Tangem Pay: Fees, Limits and Cashback

Tangem Pay fees and limits

Other Tangem Pay fees

• Card replacement: $1 per virtual card replacement; physical card delivery $14.53–$82.10

Source: Tangem Pay fee terms.

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

Tangem Pay cashback and rewards

Paid in USDC at the end of each billing cycle. Only purchases of $30 or more earn cashback, and in-store purchases at EU and UK merchants are excluded. The Plus plan fee is waived with $4,500 of monthly spending. A $999-a-year Prestige plan with 4% cashback is listed as coming soon.

What Tangem Pay costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

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

Tangem Pay Apple Pay, Google Pay and ATM withdrawals

Tangem Pay works with Apple Pay and Google Pay. The virtual card is ready to use as soon as it is issued. ATM withdrawals: 4%, up to $750 a day. It runs on Visa, so it works wherever that network is accepted, online and in shops.

Where Tangem Pay is available

Tangem Pay does not publish a country list. Tangem says the card is available in the US (not every state) and in select countries across Latin America, Asia-Pacific, the Middle East and Africa. It does not publish a country list; eligibility is checked in the app during onboarding.

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

Topping up Tangem Pay

Tangem Pay tops up with USDC and USDT on POLYGON, BASE, BSC, ARBITRUM. There is no conversion fee on its main stablecoins. The card is self-custody, so funds stay in your wallet until you pay.

How to get the Tangem Pay card

1. Check in the Tangem Pay app that the card is offered where you live, because Tangem Pay does not publish a country list.
2. Download the Tangem Pay app and complete identity verification with a government ID and a selfie check.
3. Top up with USDC and USDT, which converts with no conversion fee.
4. Issue the virtual card for free and add it to Apple Pay or Google Pay.
5. Order the physical card if you need ATM withdrawals or chip and PIN payments.

What Tangem Pay asks for when you sign up

• ✓ Email: required
• ✓ Phone number: required
• ✓ Government ID: required
• ✓ Selfie or liveness check: required

Verification through Sumsub. US residents must also provide a Social Security Number.

Source: Tangem Pay verification requirements.

Tangem Pay app ratings

• App Store: 4.9 out of 5 from 24,594 ratings
• Google Play: 4.8 out of 5 from 51,372 ratings

Checked September 28, 2026.

Who the Tangem Pay card suits

• Stablecoin holders, because USDC and USDT convert with no fee.
• Wallet users who want funds to stay in their own wallet until they pay.

Tangem Pay overall rating

Tangem Pay rates 41/100 in our crypto card ranking.

Is Tangem Pay safe?

Tangem Pay scores 80/100 (Strong) in our safety check. Issuer: Paera LLC (Tangem Pay program) (Puerto Rico (United States)). Licensing: Card issued by Nimbus LLC dba Third National, licensed as a Money Transmitter by the Commissioner of Financial Institutions of Puerto Rico (licence TM-0207, NMLS 2612780). Tangem's own pages name Rain, a Visa Principal Member, as the issuer; Third National's site runs on Rain's legal pages.. BIN sponsor: Nimbus LLC dba Third National.

Tangem Pay is run by Paera LLC, not Tangem AG. The card is legally a collateralised charge card. Your USDC or USDT sits in a smart contract you control, but Paera can liquidate it if a balance goes unpaid. The terms list a late fee of up to $40 and a liquidation penalty of up to $35. They also ask for 3 business days' notice before you withdraw collateral, while the app FAQ says you can withdraw at any time. The account is tied to a single Tangem Wallet, and losing that wallet means losing access to the card balance.

Full Tangem Pay safety report