Binance Card: Fees, Limits and Cashback

Binance Card fees and limits

"Not disclosed" means Binance Card does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

Binance Card cashback and rewards

Tiers updated on 1 June 2026. The tier you reach in a calendar month applies to all of that month's eligible spending, and cashback is paid by the 10th of the next month in USDC or BTC depending on your country. Brazil uses the same rates in BRL with a R$500 cap.

What Binance Card costs over a year

Yearly cost: conversion, FX, ATM and fixed fees minus cashback, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month. A minus sign means cashback outweighs fees.

Run it with your own numbers in the card cost calculator.

Binance Card Apple Pay, Google Pay and ATM withdrawals

Binance Card works with Apple Pay. Google Pay is not listed. The virtual card is ready to use as soon as it is issued. ATM withdrawals: $1.50 after 2 free a month. It runs on Mastercard, so it works wherever that network is accepted, online and in shops.

Where Binance Card is available

Binance Card is offered in the 8 countries below. Binance runs the card through its Global Program in "selected countries" and confirms eligibility at application. Its support pages name Australia, New Zealand, Mexico, Colombia, Peru and Armenia, plus some CIS countries it doesn't list, and separate programs in Argentina and Brazil. It isn't offered in the US, the UK or the EU.

The crypto card finder lists every card we track by country.

Topping up Binance Card

Binance Card tops up with USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP. Converting crypto costs 0.9%. The card is custodial, so the provider holds your card balance.

Coins it accepts: USDT, USDC, BNB, Bitcoin, Ethereum, Solana, Cardano, Chainlink, XRP

How to get the Binance Card

1. Check that you live in a country where Binance Card is offered (see the list above).
2. Download the Binance app and complete identity verification with a government ID and a selfie check.
3. Top up with USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP.
4. Issue the virtual card for free and add it to Apple Pay or Google Pay.
5. Order the physical card for $10 if you need ATM withdrawals or chip and PIN payments.

Who the Binance Card suits

• Everyday spenders who want cashback without a subscription: the base rate is 1.5%.

Binance Card overall rating

Binance Card rates 51/100 in our crypto card ranking.

Is Binance Card safe?

Binance Card scores 61/100 (Good) in our safety check. Issuer: Binance (New Zealand). Licensing: Outside Brazil and Argentina, the card is issued by Immersve Limited, a New Zealand company (FSP1003031) and Mastercard Global Reach partner. In Brazil it is issued by Dock, a payment institution regulated by the Central Bank of Brazil. BIN sponsor: Immersve Limited.

Binance stopped offering new crypto-asset services in the EU from 1 July 2026 after withdrawing its MiCA application.

Full Binance Card safety report