US residents only: at least 18 years old, with a valid Social Security number and a US residential address; Gokubu does not publish an application route for other countries.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Annual card fee $0; Basic is free, and the Premium subscription is $9.99 per month. Spending outside the US or in a foreign currency incurs a 1% international transaction fee, and the official page states that Gokubu adds no exchange-rate markup. The cardholder agreement separately lists a late payment fee of 2% of the statement balance, with no fee for balance transfers or cash advances.
- Debit / Deduction Model
- Secured credit account: assets in a linked wallet or fiat held in the account serve as collateral, with the collateral held by BitGo Trust; card spending is booked to the account and settled monthly, and cashback is credited in GKU tokens
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The official FAQ states that applicants must be US residents aged 18 or over with a valid Social Security number (SSN) and a US residential address. The cardholder agreement also lists the name, address, phone number, date of birth, occupation and income information and Social Security number that must be collected under federal anti-money-laundering law, and may request supporting documents; if verification fails, the account may be restricted or closed.
- Officially supported countries and regions
- US residents only: at least 18 years old, with a valid Social Security number and a US residential address; Gokubu does not publish an application route for other countries.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (the official product page states it is issued by Rain under license from Visa)
- Issuer Arrangement / Payment Rails
- Rain (a Visa principal member, issuing under Visa authorisation); Gokubu is a fintech company, not a bank. The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- The mobile wallet section of the official product page lists both Apple Pay and Google Pay, and states that the card can be added to a phone wallet for contactless payment.
- Overseas AI Subscriptions
- The official page says nothing about subscriptions such as OpenAI or Claude; the card can generate virtual card numbers for online spending, but whether a charge goes through depends on the merchant's gateway and must be confirmed by the actual charge result.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The Basic tier pays 2% cashback in GKU on eligible spend; the Premium tier pays 6% on the first $2,000 of eligible spend each month and 2% beyond that. Cashback settles in GKU tokens, and the official page states that GKU has no cash value outside the Gokubu ecosystem unless separately redeemed.
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
- Cashback is a token, not cash
- The official footer states that GKU is a reward point with no cash value outside the Gokubu ecosystem unless separately redeemed. Both the 6% and the 2% are denominated in GKU, so the real value depends on the price of GKU and the redemption terms; the issuer makes no commitment on a redemption rate. [1] [3]
- The account is a secured account, and the collateral can be liquidated
- The cardholder agreement states that the account is a secured Account, and that assets in a linked wallet or fiat held in the account may serve as collateral; the credit limit depends in part on the value of the available collateral, and if collateral is insufficient or a defined event occurs, the card issuer and Gokubu may liquidate the collateral. The collateral always belongs to the user and is held by BitGo Trust Company or an affiliated qualified custodian. [4]
- Fee table: $0 annual fee, 1% on international transactions
- The fee table in the cardholder agreement lists the annual fee as None, balance transfers as N/A, cash advances as None, international transactions at 1% of the US-dollar amount of each transaction, and late payment at 2% of the statement balance. The product page also states "No exchange-rate markup from Gokubu", so the 1% is the only foreign-currency cost. [2] [4]
- Only virtual cards are issued for now
- The official comparison table marks the physical card column as "Soon", and the product page describes only virtual card numbers and mobile wallets; there is no physical card at this stage, and no information on ATM withdrawals. [1] [3]
- Eligibility is limited to US residents
- The official FAQ states that Gokubu is currently open only to US residents, who must be 18 or over and hold a valid Social Security number and a US residential address; funds are added by connecting a US bank account through Plaid. Users in mainland China cannot apply directly. [1] [3]
- Regulated entity and protection of funds
- The official footer states that Gokubu is a fintech company, not a bank, and that the card is issued by Rain. The cardholder agreement also states that digital assets and stablecoins are not legal tender, are not deposits, and are not insured by the FDIC, SIPC or any government agency; any FDIC pass-through insurance applies only to US-dollar balances held at an insured depository institution. [1] [4]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Rain (a Visa principal member, issuing under Visa authorisation); Gokubu is a fintech company, not a bank. The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: The mobile wallet section of the official product page lists both Apple Pay and Google Pay, and states that the card can be added to a phone wallet for contactless payment.
- Google Pay
- ✅ Explicitly stated in official materials: The same section lists Google Pay; whether it works still depends on wallet service support in the user's country or region.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: The official page says nothing about subscriptions such as OpenAI or Claude; the card can generate virtual card numbers for online spending, but whether a charge goes through depends on the merchant's gateway and must be confirmed by the actual charge result.
Compatibility information for this card was verified on 2026-10-24 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
- Gokubu Pay (Gokubu LLC)
- Web Portal Support
- Mobile App Only — The website gokubu.com only has the product introduction, pricing and help centre; card issuance and management are all in the Gokubu Pay app (iOS is listed only in the US region)
- Apple App Store
-
App Store Official Download ↗ 1 storefront only: US
- 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
-
Explicit GDPR Compliance
The privacy policy adopts BitGo Holdings' Global Privacy Notice (updated 2026-04-09), with dedicated CCPA (California) and GDPR sections, and rights of access, correction, deletion and so on can be exercised; the privacy link listed on the App Store, support.gokubu.com/privacy-policy, does not load (returns 522), while gokubu.com/privacy-policy on the official site is accessible
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- No specific period is stated; retained as long as needed for the purpose, extended where required by tax, accounting and other legal requirements; marketing contact information is kept until the user asks for deletion
- App Store Privacy Label
- No data used to track you; 5 categories linked to identity; 2 categories not linked to identity
- Google Play Data Safety
- Shared: device or other IDs, personal information; 5 categories collected; deletion can be requested; data encrypted in transit
- Account Deletion Flow
-
Under the privacy policy, email privacy@bitgo.com to request deletion of personal data; the Google Play data safety page says deletion can be requested; no self-service account closure option was found in the app
Verified on 2026-10-24. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Why cashback is recorded as a token
Gokubu's marketing wording is "up to 6% cashback", but the settlement unit is GKU, which the official footer states clearly has no cash value outside the ecosystem. Treating it as 6% cash cashback overstates the actual return: the $9.99 Premium monthly fee comes off first, and the remainder must then be converted at GKU's actual redemption terms. [1] [3]
What a secured account means
This is not an ordinary debit card. Spending is booked to an account settled monthly, secured by collateral (wallet assets or fiat held in the account); if the collateral falls in value or a defined event is triggered, the official terms allow the collateral to be liquidated, and if liquidation does not cover the balance the cardholder must make up the difference. Understand this leverage before using it. [4]
Regional and identity boundaries
The official FAQ limits eligibility to US residents with a valid SSN and a US residential address, and the app is listed only in the US store. Users in mainland China, Hong Kong and elsewhere have no application route, and this site does not turn "can be spent at Visa merchants worldwide" into "available worldwide". [1] [3]
Frequently asked questions
Is Gokubu's 6% cashback cash?
No. Cashback is paid in GKU tokens, and the official page states that GKU has no cash value outside the Gokubu ecosystem unless separately redeemed. The 6% Premium rate applies only to the first $2,000 of eligible spend each month; spending beyond that pays 2%.
What fees does Gokubu charge?
Annual card fee $0; Basic is free, Premium is $9.99 per month. International transactions cost 1%, and the official page states there is no exchange-rate markup. The cardholder agreement separately lists a late payment fee of 2% of the statement balance.
Can users in mainland China apply for Gokubu?
No. The official FAQ limits eligibility to US residents aged 18 or over with a valid Social Security number and a US residential address, and does not publish an application route for other countries.
Is Gokubu a credit card or a debit card?
The cardholder agreement describes it as a secured Account settled monthly, secured by wallet assets or fiat held in the account; it is a credit-type account, not a debit card that debits a balance directly.
Gokubu — Is a physical card available?
Not at present. The official comparison table marks the physical card as "Soon"; only virtual cards are issued at this stage, and they can be added to Apple Pay and Google Pay.
📜 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 Gokubu on X; search results may change over time.
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