The official description is global, but around 17 unsupported countries or regions are listed; eligibility depends on the outcome of identity verification.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- The official help page lists no issuance fee, no monthly fee and no annual fee; cross-border spending carries a 1% International Service Assessment.
- Debit / Deduction Model
- Self-custodial virtual debit card: assets stay in the user's own wallet and spending is deducted from the USDC balance; the card itself is virtual-only
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The official help page states that identity verification is required to get a card (verification is carried out using Sumsub); no document list is published, so prepare identity documents according to what the app asks for.
- Officially supported regions
- The official description is global, but around 17 unsupported countries or regions are listed; eligibility depends on the outcome of identity verification.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (per the official help page)
- Issuer Arrangement / Payment Rails
- Rain provides the card programme infrastructure (per the official help page); the actual issuing institution is not stated. The card BIN is not published; this page does not speculate about a specific BIN.
- Apple Pay / Google Pay
- The official help page did not mention Apple Pay at this check, so it cannot be treated as supported.
- Overseas AI Subscriptions
- The company does not state how AI-subscription merchants are treated; the card is treated as general Visa acceptance.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The official help page lists no cashback or reward structure — there is none.
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.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Rain provides the card programme infrastructure (per the official help page); the actual issuing institution is not stated. The card BIN is not published; this page does not speculate about a specific BIN.
- Apple Pay
- — Not specified by official sources: the official help page did not mention Apple Pay at this check, so it cannot be treated as supported.
- Google Pay
- — Not specified by official sources: the official help page did not mention Google Pay at this check, so it cannot be treated as supported.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: the company does not state how AI-subscription merchants are treated; the card is treated as general Visa acceptance.
Compatibility information for this card was verified on 2026-10-13 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.
View full comparison of 135 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
- Peanut: Send Money & Card (Squirrel Labs Ltd.)
- Web Portal Support
- Web Account Available; Card Primarily via App — Existing users can sign in to the web version at peanut.me/setup with a passkey (same account and balance as the App); new accounts can only be created in the App; cards are applied for and managed under Profile → Card in the App, and 3DS codes are pushed to the App only
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Missing key markets: UK
- 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
Squirrel Labs Ltd (England and Wales, company no. 14558823) is the controller, under UK GDPR and the UK Data Protection Act 2018 (effective 2026-09-25); you may exercise access, rectification, erasure, restriction, portability, objection and withdrawal of consent, and complain to the UK ICO; personal data is not sold; KYC is handled by Sumsub, and verification data is passed to Rain/Third National with a shared token when a card is opened; uses PostHog, Google Analytics and Sentry; on-chain addresses and transactions are public and cannot be erased
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Verification status and payment records are usually kept 5–6 years after the relationship ends; analytics and support data are deleted or anonymised once used; on-chain data is retained permanently
- App Store Privacy Label
- No tracking data; Linked to you: 4 categories; Not linked to you: 1 categories
- Google Play Data Safety
- Shared: App Activity, Financial Info, Personal Info, Photos and Videos; Collects 6 categories; erasure can be requested; encrypted in transit
- Account Deletion Flow
-
App: Profile → Delete my account, self-service (transfer funds out first, deletion is irreversible); if it fails, contact support for manual handling, taking up to 30 days; verification records required by anti-money-laundering rules may be retained
Verified on 2026-10-12. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
The 1% applies only to cross-border spending
The International Service Assessment is charged on cross-border transactions and does not apply to domestic spending. Estimating cost as "1% more on everything" overstates it. [1]
A beta product's terms will change
Both the fees and the regional list can change during beta, so re-check the official help page's current terms before using the card. [1]
Frequently asked questions
Does the Peanut Card charge fees?
The official help page lists no issuance, monthly or annual fee; cross-border spending carries a 1% International Service Assessment.
Is it self-custodial?
Yes. Assets stay in the user's own wallet and spending is deducted from the USDC balance; Rain provides the card programme infrastructure.
Is there cashback?
The official help page lists no cashback or reward structure; this site records it as having none.
Which card network is it on?
The official description is Visa, and the card is virtual-only.
Can users in mainland China apply?
The official description is global availability with around 17 unsupported countries or regions; whether mainland China is among them goes by the outcome of in-app identity verification.
📜 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 Peanut Card on X; search results may change over time.
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