Card to the Future
Illustration in the plan's colour, not the issuer's artwork

Send Card

VisaHybridKYC fulldebit

Send Card is a virtual-only Visa debit card inside the non-custodial Send app, issued through Wirex and funded with native USDC on Base into a separate USD card balance. It has no card fees and 0% FX on USD purchases, but no cashback, and the issuer publishes no spending limits or loading fee.

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31Card Score, #25 of 36
−$60You keep a year
D46Trust points of 100
68%Key fields with a source

Plans side by side

Send Card
Price
Monthly priceFree2,12No monthly fee
Yearly priceFree2No annual fee
Virtual card feeFree2Nothing to pay to get the card
Staking needed02No staking or token holding is required
Other requirementsSend account, identity verification by the card issuer, and a registration country from the supported list5,8Country cannot be changed after registration
Rewards
PerksAdd to Apple Pay and Google Wallet, Instant lock and unlock, Own spending limit you can set in the app, Reissue with a new number keeping the balance1,2,6,10
Fees
FX feeUSD 0%; EUR 1%; GBP 1%; most other currencies 2-3%4Built into the amount charged and not shown as a separate line. No real-payment test found

What you keep

FX fee on foreign spend−$60
Net a year, Send Card plan−$60

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator10 of 25

The issuer is named in Send's terms as WIREX Limited (England and Wales), but its licence is not stated in Send's pages, and Send itself is only a FinCEN-registered money services business acting as a referral source.9,14

Custody and fund protection9 of 20

Send says it is non-custodial, but money loaded on the card becomes a separate USD balance under the Wirex program, and who holds it is not stated.2,9,14

Incidents in the last 24 months16 of 20

No incident found for the card, but the Send status page was blocked and the card is under three months old.3

Track record and verified volume2 of 15

Launched Aug-31, 2026 with about $148K all-time spend from 71 addresses per Paymentscan, a very small base.3,13

Published fees and terms5 of 10

Fees on the card itself and FX rates are published, but loading fee, limits, cashback status and the issuing bank are not.4,9

Support and user sentiment4 of 10

A help centre and in-app support exist; the App Store rating is 5.0 but from only 27 ratings.7,12

Company

Legal entitySend, Inc. (Claremont, California, USA); copyright held by Send Foundation9,14Send, Inc. is registered with FinCEN as a Money Services Business and on NMLS. Terms governed by California law
HeadquartersUnited States9Address given is Claremont, California
Websitesend.it14

Issuer and licence

Card issuerWIREX Limited (England and Wales, company no. 09334596)9Named in Send's own terms, section 16; Wirex 'and/or affiliates depending on jurisdiction'. The App Store page says Wirex's 'issuing bank' issues the card without naming it (s12)
Program managerWirex3,9,15Send acts only as a referral source and technical facilitator; it is not the issuer
NetworkVisa1,2

The card

Statuslive3,13
Launched2026-083Launch post dated Aug-31, 2026; Paymentscan shows spend from Jul 2026, likely a soft launch
Typedebit12App Store page calls it a debit card; it is prefunded, spending only what is loaded
FormsVirtual2,3One active card at a time; no physical card yet
Custodyhybrid2,14Send says it is non-custodial; the loaded card balance is a separate USD balance with the card program
How custody worksThe Send balance is held in the user's Send wallet (Send states it does not hold users' funds). Money loaded onto the card becomes a separate USD balance under the Wirex card program, which governs what happens to it on termination.2,6,9,14Who legally holds the card balance is not stated
KYCfull5Identity check by the card issuer, separate from the Send account which needs no documents
KYC documentsFull legal name, Date of birth, Address, Phone number, Photo of government-issued ID5
KYC timeApproval is described as usually quick; verification must be done in one session5
Settles inUSD3
Card currenciesUSD3

Funding

Crypto acceptedUSDC3,2Only native USDC on Base can fund the card at launch
ChainsBase3,14
Fiat top-upDebit cardApple Pay11These fund the Send balance, not the card directly; the card is then loaded from the Send balance
Deposit feesSend charges $0.00 for debit card deposits11Processed through Coinbase Commerce
Minimum deposit$10 per debit card deposit11
Spends fromA separate prefunded USD card balance, loaded from the Send balance2,3Purchases draw only from the loaded amount; declines happen if it is too low

Payments

Apple Pay10Added manually with card number, expiry and CVV; one-tap provisioning not available yet
Google Pay10
3-D Secure12App Store notes mention in-app approval of online card payments (3D Secure)
Contactless1Via Apple Pay or Google Pay
Online subscriptionsYes1Recurring subscriptions are listed as a use
Blocked merchantsGamblingDating servicesPharmaceutical and chemical wholesalers8Set by the card issuer

Where it works

RegionsEurope (EEA)Asia-PacificMiddle EastAfrica8
Countries808
United States8
United Kingdom8
EEA8Most EEA states are listed; check the list for each country
Supported countriesAndorraAndorraAustriaAustriaBelgiumBelgiumBulgariaBulgariaCroatiaCroatiaCyprusCyprusCzechiaCzechiaDenmarkDenmarkEstoniaEstoniaFinlandFinlandFranceFranceGermanyGermanyGibraltarGibraltarGreeceGreeceGuernseyGuernseyHungaryHungaryIcelandIcelandIrelandIrelandIsle of ManIsle of ManItalyItalyJerseyJerseyLatviaLatviaLiechtensteinLiechtensteinLithuaniaLithuaniaLuxembourgLuxembourgMaltaMaltaMoldovaMoldovaMonacoMonacoMontenegroMontenegroNetherlandsNetherlandsNorwayNorwayPolandPolandPortugalPortugalRomaniaRomaniaSan MarinoSan MarinoSlovakiaSlovakiaSloveniaSloveniaSpainSpainSwedenSwedenSwitzerlandSwitzerlandUkraineUkraineUnited KingdomUnited KingdomArgentinaArgentinaBrazilBrazilChileChileColombiaColombiaEcuadorEcuadorEl SalvadorEl SalvadorMexicoMexicoPanamaPanamaPeruPeruUnited StatesUnited StatesAustraliaAustraliaHong Kong SAR ChinaHong Kong SAR ChinaIndonesiaIndonesiaJapanJapanMacao SAR ChinaMacao SAR ChinaMalaysiaMalaysiaNew ZealandNew ZealandPhilippinesPhilippinesSingaporeSingaporeSouth KoreaSouth KoreaTaiwanTaiwanThailandThailandVietnamVietnamAzerbaijanAzerbaijanBahrainBahrainGeorgiaGeorgiaIsraelIsraelKazakhstanKazakhstanOmanOmanSaudi ArabiaSaudi ArabiaTürkiyeTürkiyeUnited Arab EmiratesUnited Arab EmiratesUzbekistanUzbekistanGhanaGhanaKenyaKenyaNigeriaNigeriaSouth AfricaSouth AfricaUgandaUganda8Registration country cannot be changed. Payments to merchants in RU, BY, IR, KP, SY, CU, SD, AF, MM and VE are blocked
Excluded countriesRussiaRussiaBelarusBelarusIranIranNorth KoreaNorth KoreaSyriaSyriaCubaCubaSudanSudanAfghanistanAfghanistanMyanmar (Burma)Myanmar (Burma)VenezuelaVenezuela8Blocked as merchant countries; users in countries outside the list get no card

Account

P2P transfersYes14Send is built for transfers between Send users (Sendtags)
Multi-currencyNo3The card holds a single USD balance
OtherSend Savings, swaps and investing in a small list of assets exist in the app, outside the card14Send Savings is not a bank account and is not insured by FDIC or SIPC

Security

Freeze card6Locking blocks transactions immediately and is reversible
Two-factorPasskey confirms loading the card; SMS code for wallet provisioning6,10
Biometrics1Wallet unlocked by face, fingerprint or device passcode

App

App Store rating512Only 27 ratings
App Store ratings2712
App StoreOpen in App Store12
Google PlayOpen in Google Play12Link taken from the Send help centre; the store page could not be read
LanguagesEnglish12
Web app14send.app web sign-in exists; could not be opened
SupportIn-app chatHelp centerIn-app support and help centre at support.send.app7

Adoption

On-chain spend, all time$147,80013About 2,117 transactions from 71 addresses per Paymentscan, Nov-05, 2026
On-chain spend, last month$32,17013Oct 2026 per Paymentscan; September was $76,660

More details

Card reissuesUp to 3 per account; the old card stops working at once and the balance carries over6
Closing a cardNot possible yet; locking is the way to stop use6
Unsupported currenciesRussian ruble, Belarusian ruble, Saudi riyal, Bahraini dinar, Pakistani rupee, Bangladeshi taka8
Cards per userOne active card at a time2
Who is responsibleSend says it is only a referral source and technical facilitator; disputes, chargebacks and fees follow the Wirex terms9
Fees and limits not publishedSend's terms say fees and spending limits are in the Wirex terms, a fee schedule or the app; none were found in public pages9

Quick answers

What does the Send Card cost?

The Send Card plan: Free a month, — for a physical card.

How much cashback does the Send Card pay?

— on the Send Card plan, paid in a form not published.

What is the Send Card FX fee?

USD 0%; EUR 1%; GBP 1%; most other currencies 2-3% on the Send Card plan.

Is the Send Card custodial?

Hybrid. The Send balance is held in the user's Send wallet (Send states it does not hold users' funds). Money loaded onto the card becomes a separate USD balance under the Wirex card program, which governs what happens to it on termination.

Is the Send Card available in the US, the UK and the EEA?

US: yes. UK: yes. EEA: yes.

How much do you keep with the Send Card?

−$60 a year on the Send Card plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Send Card FAQ (send.it), issuer, Nov-05, 2026
  2. Send Card Overview, issuer, Nov-05, 2026
  3. Send Cards Are Now Available (Aug-31, 2026), issuer, Nov-05, 2026
  4. Foreign exchange (FX) fees on the Send Card, issuer, Nov-05, 2026
  5. Getting your Send Card, issuer, Nov-05, 2026
  6. Funding and managing your card, issuer, Nov-05, 2026
  7. Card troubleshooting (Sep-01, 2026), issuer, Nov-05, 2026
  8. Send Card supported countries, issuer, Nov-05, 2026
  9. Send Terms of Service, section 16 Card Services, issuer, Nov-05, 2026
  10. Adding your card to Apple Pay or Google Wallet, issuer, Nov-05, 2026
  11. Depositing with debit card, issuer, Nov-05, 2026
  12. Send on the App Store, app store, Nov-05, 2026
  13. Send Card on Paymentscan, paymentscan, Nov-05, 2026
  14. Send (send.it) home page and legal footer, issuer, Nov-05, 2026
  15. Wirex to Power Send Cards (Aug-20, 2026), issuer, Nov-05, 2026

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