Spend without borders: Meet your Onboard virtual card

When your local card says "No", Onboard’s Card says "Yes"

Your web hosting just expired. Meta won’t accept your card for ads. That Black Friday deal ends tomorrow - but your payment failed. Again 😖.

You earn globally, but your payment options are stuck in the past.

We’ve been there, and we know - it shouldn’t be that way.

That’s why we built the Onboard Virtual Card - a USD card that just works.

What you can do with it:

Pay for subscriptions, shopping, hosting, travel, and more at 40,000+ online merchants
Fund it with local currency, crypto (from Onboard or your external wallet), or your Onboard USD balance

With Onboard, your crypto becomes spendable, your local currency goes global, and your business tools stay running.

Getting your card: in simple steps

Download the Onboard app [iOS or Android]
Sign up with your email - you'll get an OTP to verify
Next, set up your login passcode
Pro tip: set up a passkey for extra security and convenience. Your future self will thank you.

2. Verify your identity (takes <5 minutes)

To unlock your card, you’ll need to complete a quick verification - it helps us comply with global standards and keep your account secure.

From your dashboard, tap Accounts → Virtual Card → Set up
Fill in your name, phone number, and address
Then upload your ID and selfie

You’ll be notified once it’s approved - usually within minutes.

3. Activate and Fund

Once your KYC is approved, go to Accounts → Virtual Card, tap “Set up card,” and accept the terms
Choose how you’d like to fund your card - USD account, local currency, or crypto (from Onboard or your external wallet)
Add at least $5 - this includes a $3 one-time creation fee
That’s it - your card will be ready in minutes!

4. Start using your card

Once your card is ready, tap Details to view your card number, expiry, and CVV - everything you need for online checkout.

Ways to fund your card:

Local Currency (Cash Transfer): Fund your card from your local bank or mobile money account.
Onboard USD Account: Move funds directly from your USD account to your card.
Onboard Trading / DeFi Wallet: Transfer crypto from your Trading or DeFi Wallet to your card balance.
External Wallet: Add USDT or USDC from external wallets on BNB Smart Chain, Ethereum, Polygon, or Tron.
Other Onboard Virtual Cards: Move funds between your Onboard cards, if you have more than one.

Pro-tip: You’ll find more details on supported currencies and networks for each channel in this article. (insert link)

Fees & limits: no surprises

No monthly fees or hidden charges. Here's exactly what you'll pay:

Card fees:

$3 one-time card creation fee
$1 minimum card balance
$0.02-$0.32 insufficient funds charge
Zero monthly maintenance fees
$0 fee for transactions from US-based merchants
$0.50 + 2.85% FX fee for non-USD transactions, or payments to merchants not based in the US*

Some USD-denominated payments may still incur FX fees depending on the merchant's location.

See this article for more quirks and edge cases.

Spend Limits

$5,000 maximum daily spend
$20,000 maximum monthly spend

Got any card issues?

Some merchants process payments in unusual ways - like requiring workarounds to make payments, or declining virtual or USD-denominated cards altogether.

We’ve created a quick guide to common card quirks, how to avoid failed payments, and what to do when something seems off.

[Read the guide →]

Need help? Contact Onboard Support via the in-app chat - we're always here if you run into any issues.

Stop asking permission to spend your own money

Thousands of professionals already use Onboard cards to skip declines, dodge bank drama, and pay without borders.

Whether it’s for subscriptions, online shopping, or travel, your card should just work.

Your hustle has no borders. Your money shouldn’t either.

Get your Virtual Card in minutes → onboard.xyz

Updated on: 19/07/2025

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