No list of eligible countries is published; the announcement only says the cards are open to all platform clients. The site separately states that residents of Japan, the United Kingdom, Australia, Canada and the United States cannot invest directly on the platform. Singapore and the United States are the issuing locations, not the countries where you can apply.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Issuance is $100 for the Online Payment Card and $150 for the Travel Card; a launch promotion running until 2026-10-01 halves both to $50 and $75. Each top-up costs a $3 AML screening fee plus 3.5% (Online) or 3.9% (Travel), with a $30 minimum. Neither card has a monthly fee. The announcement lists no FX markup. Limits: Online $20,000 per transaction, $250,000 daily and $1,000,000 monthly; Travel $10,000 per transaction, $50,000 daily and $400,000 monthly.
- Debit / Deduction Model
- Card issued inside an investment-platform account: top up the platform balance with USDT, then issue a card. The Online card covers online payments; the Travel card also supports in-store payments, Apple Pay and Google Pay.
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The announcement only says a card is issued within minutes of completing the required checks, and lists neither the documents nor the verification provider; the site separately notes that identity checks are run by Veriff. Every top-up also carries a $3 AML screening fee, so the funding step is screened as well.
- Officially supported countries and regions
- No list of eligible countries is published; the announcement only says the cards are open to all platform clients. The site separately states that residents of Japan, the United Kingdom, Australia, Canada and the United States cannot invest directly on the platform. Singapore and the United States are the issuing locations, not the countries where you can apply.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (Online Payment Card, issued in Singapore) and Mastercard (Travel Card, issued in the United States). The Travel Card is the one the announcement lists as supporting Apple Pay and Google Pay.
- Issuer Arrangement / Payment Rails
- The issuing bank is not named; the announcement only says the cards are issued in Singapore and the United States. Card BINs are unpublicized; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- The announcement says the Travel Card supports Apple Pay and Google Pay; it does not mention the Online Payment Card.
- Overseas AI Subscriptions
- The announcement describes the Online Payment Card as being for online services and subscriptions, but names no merchants and publishes no authorisation success rate.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The announcement lists no cashback or points. The only launch incentive is the half-price issuance fee and a $30 credit added to the card balance after issuance.
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
- Two cards with different jobs and different issuance fees
- The announcement sells the two cards separately. The Online Payment Card is a Visa issued in Singapore for online payments; the Travel Card is a Mastercard issued in the United States that also works in stores and with Apple Pay and Google Pay. Issuance is $100 and $150, halved by the promotion running until 2026-10-01. Both are USD accounts and both support multicurrency transactions. [1]
- Top-up fees are the real cost, not the issuance fee
- Every top-up carries a $3 AML screening fee plus a 3.5% (Online) or 3.9% (Travel) percentage fee, with a $30 minimum. Small, frequent top-ups therefore cost far more than the issuance fee suggests, and one larger top-up beats several small ones. The announcement lists no FX markup. [1]
- Two generations of product coexist on the site — do not budget from the old page
- The Russian-language card page on the same domain still sells a EUR Mastercard at $190/year with a 3.6% top-up fee and a €10,000 monthly spending limit; its footer reads "© 2022" and it describes SWIFT/SEPA deposits as coming soon. That is not the same generation of product as the two USD cards in the 2026-09-22 announcement. This page follows the announcement, but the two coexisting means the site is not maintained consistently, so confirm the actual terms inside your account before applying. [1] [2]
- The platform publishes no operating entity and no licence
- The site states that it is not a registered broker-dealer, investment adviser or crowdfunding portal, and gives no company registration name, licence number or regulator. The only identifiers available are a Bloomberg LEI and a GLEIF record, plus Veriff as the identity-verification provider. Neither the holder of the funds nor the card issuer is named. [3]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa (Online)/ Mastercard (Travel)
- Issuer arrangement / BIN
- The issuing bank is not named; the announcement only says the cards are issued in Singapore and the United States. Card BINs are unpublicized; this page does not speculate on specific BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: the announcement says the Travel Card supports Apple Pay and Google Pay; it does not mention the Online Payment Card.
- Google Pay
- ✅ Explicitly stated in official materials: as above — only the Travel Card is explicitly listed.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: the announcement describes the Online Payment Card as being for online services and subscriptions, but names no merchants and publishes no authorisation success rate.
Compatibility information for this card was verified on 2026-10-25 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
- regolith.com web account centre (Cards tab); the store app "Regolith - Investment & Stocks" (Info Air LLC) does not carry the card yet
- Web Portal Support
- Full Web Portal (Cards Supported) — Cards can currently be requested and managed only in the Cards tab of the regolith.com web account centre; the company says cards are being added to the App; the Regolith app (iOS/Android, v2.9.0, updated 2026-07-08) is an investment app today and its description does not mention cards
- 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 (regolith.com/privacy; PDF version dated 2023-07-25) is a generic template: the controller is named only as "Regolith Group of Companies and its affiliates", with no specific entity, no governing law and no mention of GDPR; users may request access to, correction of and erasure of their personal data; it collects email, name, phone, device and usage data, and captures camera and microphone data during KYC (camera data is also used to edit profile photos); data may be shared with service providers, affiliates and business partners, and cookies and web beacons are used for analytics. The terms of use (2024-02) are governed by Wyoming law.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- No specific period is stated; data is kept as long as needed for the purpose and for legal obligations, with usage data generally retained for a shorter time
- App Store Privacy Label
- Used to track: Identifiers; Linked to you: 3 categories; Not linked to you: 2 categories
- Google Play Data Safety
- Shared: Files and docs, Messages, Personal info, Photos and videos; Collected: 5 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
The privacy policy says signed-in users can update or delete some personal information in settings, and can email to request access, correction or erasure; no specific account-closure route or help article was found; the Google Play data safety page says data deletion can be requested
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.
A card from an investment platform: check the entity before the fees
Regolith’s main business is US equities, ETFs, funds and crypto strategies; the card is an add-on to that account. Its site states plainly that it is not a registered broker-dealer, investment adviser or crowdfunding portal, and publishes neither an operating company name nor a licence — only an LEI and a GLEIF record. That is not the same as saying something is wrong with the platform, but it does mean that if a dispute arises, the licensed entity you could pursue is unclear. That matters more than whether issuance costs $100 or $150. [1] [3]
Fee structure: cheap to open, expensive to fund
Neither card has a monthly fee, and issuance is $50 / $75 during the launch promotion. The real cost is funding: a $3 AML screening fee plus 3.5% or 3.9% on every top-up. On a single $1,000 top-up the Online card nets about $962 and the Travel card about $958; split into ten $100 top-ups, the fixed fee alone costs $27 more. The announcement lists no FX markup and does not say how non-USD spending is priced. [1]
Choosing between the two cards
For online subscriptions and shopping only, take the $100 Visa Online Payment Card: lower issuance and higher limits ($20,000 per transaction, $1,000,000 monthly). Only if you need in-store payments or contactless wallets do you need the $150 Mastercard Travel Card, the one card the announcement explicitly lists as supporting Apple Pay and Google Pay. Both are USD accounts, and neither page explains how non-USD spending is priced. [1]
Frequently asked questions
Regolith Cards — Does it support Apple Pay?
The announcement only says the Travel Card (Mastercard) supports Apple Pay and Google Pay; it does not mention mobile wallets for the Online Payment Card (Visa).
What fees do the Regolith cards charge?
Issuance is $100 for the Online Payment Card and $150 for the Travel Card, halved until 2026-10-01. Every top-up costs a $3 AML screening fee plus 3.5% or 3.9%, with a $30 minimum. Neither card has a monthly fee, and the announcement lists no FX markup.
Is Regolith a bank?
No. The site states that it is not a registered broker-dealer, investment adviser or crowdfunding portal, and publishes neither an operating entity name nor a licence. The cards are issued in Singapore and the United States, but the issuing bank is not named.
Why does the Russian card page differ from the announcement?
The Russian page still sells a 2022-era EUR Mastercard at $190/year with a 3.6% top-up fee, and its footer reads "© 2022"; the 2026-09-22 announcement describes two new USD cards. They are different generations of product. This page follows the announcement and recommends confirming the actual terms inside your account.
📜 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 Regolith Cards on X; search results may change over time.
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