RedotPay
Crypto cardRedotPay is a custodial crypto payments product offering a crypto-linked Visa card so you can spend balances at regular merchants. Convenient for spending, but it is custodial — you rely on RedotPay holding your funds.
Quick facts
- Type
- Crypto card + app
- Custody
- Custodial
- KYC
- Required
- Trustpilot
- 2.7 (~815 reviews)
Where you can trade
Availability is region-dependent and some countries are not supported; identity verification (KYC) is required. Check availability for your country in the app or on the official site.
Notable restrictions (10)
Checked by SMCM 2026-07-15. The provider's official list is authoritative and can change. See the official list ↗
Eligibility depends on your country of residence and which entity you are onboarded to, and can change. Always confirm you can open an account — and under which entity — on the provider's official site before funding.
Our take
RedotPay sits at the payments end of the crypto-wallet spectrum: a crypto-linked Visa card plus an app that lets you top up and spend balances anywhere Visa is accepted. As a bridge between crypto holdings and everyday spending, it does a job self-custody wallets do not.
Convenience is the draw; custody is the caveat. You do not hold the keys — your funds sit with RedotPay, so their security, fee schedule and solvency become your risk. Independent reviews skew negative on support and fees, and KYC is mandatory, so it is not a route around identity checks.
Think of it as a spending tool, not a vault. It is a reasonable fit for people who want to spend crypto day to day, but long-term holdings belong in self-custody — load only what you plan to spend.
Pros
- Crypto-linked Visa card for everyday spending
- In-app top-up and management
- Works at Visa-accepting merchants
Cons
- Custodial — you do not hold the keys
- Mixed reviews on support and fees
- KYC required
What the card actually costs
Published fees, in one place. The card is free to hold and charged per action, so the cost depends entirely on how you use it.
| Card | Issuance | Spending in the card's currency | Spending in another currency | ATM withdrawal |
|---|---|---|---|---|
| Virtual card | $10 one-off | No fee | 1.2% | Not available |
| Physical card | $100 one-off | No fee | 1.2% | 2% on a USD card up to $10,000/month, 3% above |
The same on every model
- Converting crypto to spend
- 1%. This is separate from the 1.2% charged when you spend in a currency other than the card’s, so a foreign purchase funded from crypto meets both.
- Topping up with a credit or debit card
- 3%, with a minimum of $1. Funding the card from an ordinary bank card is the most expensive route in the whole schedule.
- Certain merchants cost more
- 1.5% with a minimum of $0.50, on a named list that includes gaming platforms, Facebook Ads and Discord. The first three qualifying transactions each month are free, and RedotPay says the list is reviewed regularly — check it before you rely on a category.
- The issuance fee comes out of your balance
- It is deducted when the card is issued rather than charged separately, so the balance has to cover it. A welcome reward cannot be used to pay it.
- What no fee schedule can price
- This is a custodial product: RedotPay holds the funds, not you. Fees are the knowable cost; custody is the one that is not on any table.
Read from RedotPay's published trading objectives on 2026-08-31. These change — check the current page for the product you are buying.
Full details
- Custody model
- Custodial (company holds keys)
- Supported assets
- BTC, ETH, USDT and more
- Card network
- Visa
- KYC
- Required
- Fees
- Issuance $10 virtual / $100 physical; 1.2% on a different currency; 1% crypto conversion; 3% (min $1) to top up from a credit or debit card; 2% ATM on a USD card up to $10,000/month
- Availability
- Region-dependent — check availability for your country
Who it may fit
- • People who want to spend crypto at everyday merchants
- • Users who prefer app convenience over self-custody
Who should avoid it
- • Users who want full self-custody of keys
- • Anyone avoiding KYC
FAQ
- Does RedotPay hold my crypto?
- Yes — it is a custodial product, so RedotPay controls the underlying funds. That is convenient but means you rely on the company's security and solvency.
- Should I keep my savings on RedotPay?
- Treat it as a spending tool, not a vault. Keep long-term holdings in self-custody (e.g. a hardware wallet like Ledger) and load only the amounts you plan to spend.
Head-to-head comparisons
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Last checked: September 2026