Aimed at Nigerian users (both the official app store page and the privacy policy treat Nigeria as the operating market); the countries actually available are whatever the app shows.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- The official public pages publish no complete fee table; issuance, top-up, FX and ATM fees are whatever the price list inside the app shows.
- Debit / Deduction Model
- Multi-currency wallet + naira settlement model: crypto is topped up into the wallet and converted to a naira balance at the app's rate, then spent or withdrawn online, at POS terminals and at ATMs with a virtual or physical card
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The official help centre and the privacy policy both state that registration requires name, address, email, phone and a government ID document for identity verification; the privacy policy mentions neither Nigeria's NDPA nor the operating entity.
- Officially supported countries and regions
- Aimed at Nigerian users (both the official app store page and the privacy policy treat Nigeria as the operating market); the countries actually available are whatever the app shows.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- The official store page says only "virtual and physical cards" and names no card network; this page does not speculate about Visa, Mastercard or Verve coverage.
- Issuer Arrangement / Payment Rails
- FINTAVA TECHNOLOGY LIMITED (the App Store and Google Play seller); Fintava's site says cards are issued in partnership with CBN-licensed Loma Bank. The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- Neither the official app store page nor the website mentions Apple Pay, so this page does not infer support.
- Overseas AI Subscriptions
- The official material says nothing about overseas subscriptions; whether a charge goes through depends on the merchant gateway and the BIN, so the actual charge result is what counts.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The official public pages publish no cashback or referral terms.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- Pays directly in naira from a multi-currency wallet
- The official store description says virtual and physical cards pay directly in naira from a multi-currency wallet, suited to global online payments and ATM withdrawals. Crypto topped up into the wallet becomes a naira balance at the app's rate, which is what sets it apart from cards that make you convert before topping up. [1]
- Registration requires a government ID for identity verification
- The privacy policy says registration collects name, address, email, phone and a government ID document (for identity verification), plus bank account details and transaction records; these are part of KYC, not optional. [2]
- Operating entity and issuing relationship
- The App Store and Google Play seller is FINTAVA TECHNOLOGY LIMITED (Abuja); Fintava's site says cards are issued in partnership with CBN-licensed Loma Bank. The privacy policy names neither the operating entity nor the governing law, and does not mention Nigeria's NDPA. [1] [2]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- The official store page names no card network
- Issuer arrangement / BIN
- FINTAVA TECHNOLOGY LIMITED (the App Store and Google Play seller); Fintava's site says cards are issued in partnership with CBN-licensed Loma Bank. The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- — Not specified by official sources: Neither the official app store page nor the website mentions Apple Pay, so this page does not infer support.
- Google Pay
- — Not specified by official sources: The official material does not mention Google Pay.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: The official material says nothing about overseas subscriptions; whether a charge goes through depends on the merchant gateway and the BIN, so the actual charge result is what counts.
Compatibility information for this card was verified on 2026-10-21 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Cardex (FINTAVA TECHNOLOGY LIMITED)
- Web Portal Support
- Mobile App Only — usecardex.com carries only an introduction, an FAQ, legal documents, and a waitlist; sign-up, KYC, card issuance, and management all happen in the app.
- Apple App Store
-
App Store Official Download ↗ All 175 storefronts (including mainland China)
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in Mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
The privacy policy names no operating entity and no governing law, and mentions neither Nigeria's NDPA nor GDPR: access, correction, updating, and deletion of personal information are requested by email. Registration collects name, address, email, phone, and a government ID document for identity verification, plus bank account details and transaction records. The App Store seller is FINTAVA TECHNOLOGY LIMITED (Abuja).
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- No specific retention period stated; data is kept as long as needed for the purpose or as the law requires, then deleted or anonymised.
- App Store Privacy Label
- Used to track: Contact Info, Location; Linked to you: 2 categories; Not linked to you: 0 categories
- Google Play Data Safety
- No third-party data sharing; Claims no data collected; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
No in-app self-service deletion instructions were found; the privacy policy says deletion can be requested by emailing info@usecardex.com, and the Google Play Data Safety section states that data deletion can be requested.
Verified on 2026-10-21. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Real demand for crypto payments in emerging markets
Nigeria has long struggled with currency depreciation and foreign-exchange shortages, so turning crypto into a naira balance you can spend directly meets real demand. Cardex puts that in a single app: a multi-currency wallet, virtual cards, physical cards and ATM withdrawals. Note that the official public pages publish no complete fee table, so issuance and top-up costs are whatever the in-app price list shows. [1]
Identity verification and the compliance boundary
Registration requires a government ID and bank account details, which is a full KYC process. The issuing partner's licence can be verified, but Cardex's privacy policy mentions neither Nigeria's NDPA nor the operating entity — so the "compliant card" label is only partly supported. [2]
Frequently asked questions
Does Cardex require KYC?
Yes. The privacy policy says registration collects name, address, email, phone and a government ID document for identity verification, plus bank account details and transaction records.
Which card networks does Cardex support?
The official app store page says only "virtual and physical cards" and names no card network; this page does not speculate about Visa, Mastercard or Verve coverage.
What are Cardex's fees?
The official public pages publish no complete fee table; issuance, top-up, FX and ATM fees are whatever the price list inside the app shows.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Cardex Crypto Debit Card on X; search results may change over time.
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