The issuer says the card is usable worldwide and does not publish a country list; it notes that, for legal and compliance reasons, users in sanctioned regions may be refused.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- The issuer says there is no monthly fee and no annual fee; the top of the card page says "0 issuance fee", but the application steps in the FAQ on the same page say a one-time activation fee is payable, so the two positions conflict. The issuer does not publish the top-up fee, FX fee or ATM withdrawal fee.
- Debit / Deduction Model
- Stablecoin top-up with a prepaid card: USDT is deposited to the funding account and spending is settled at the live rate, with the account balance earning daily interest
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The three application steps in the FAQ on the issuer's card page are: deposit stablecoins, apply for the card in the app and pay a one-time activation fee, and complete KYC identity verification in the Roogoo App. The issuer also notes that, for legal and compliance reasons, users in sanctioned regions may be refused.
- Officially supported countries and regions
- The issuer says the card is usable worldwide and does not publish a country list; it notes that, for legal and compliance reasons, users in sanctioned regions may be refused.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- VISA and Mastercard (the FAQ on the issuer's card page says "the Roogoo card is a VISA®/Mastercard® prepaid debit card provided by the Roogoo APP")
- Issuer Arrangement / Payment Rails
- The issuer does not publish the issuing institution or BIN ownership; funds and spending records are held by the VISA/Mastercard-affiliated issuing institution. The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- The FAQ on the issuer's card page states that the card can be added to Apple Pay, Google Pay, Alipay and WeChat Pay.
- Overseas AI Subscriptions
- The issuer says nothing about AI subscriptions; the card can be used for online purchases, but whether a charge goes through depends on the merchant gateway, so the actual charge result is what counts.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The funding account balance earns daily interest, which the issuer puts at about 4% annualised (its wording: "a deposit earns about 4% annualised interest every day"), paid daily at 08:00 UTC. This is deposit yield, not spend cashback; the issuer does not publish a cashback rate.
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
- The card network is stated on the card page, not on the home page
- The words Visa and Mastercard appear nowhere on the home page; the FAQ on the card page says "the Roogoo card is a VISA®/Mastercard® prepaid debit card provided by the Roogoo APP". Reading only the home page would suggest the card network is unpublished, when the card page actually states it clearly. [1] [2]
- Conflicting positions on the cost of getting the card
- The top of the card page says "0 issuance fee, upgradeable to 0-rate benefits", while the application steps in the FAQ on the same page say "apply for the Roogoo card in the app and pay a one-time activation fee". Both sentences appear on the official page; this site records both side by side and does not choose for the issuer. Before applying, the actual fee page in the app should be the reference. [2]
- The 4% is deposit interest, not cashback
- The issuer's wording is "a deposit earns about 4% annualised interest every day"; interest is paid daily at 08:00 UTC and the funds generate yield through a delta-neutral strategy. The issuer does not publish a spend cashback rate. [1] [2]
- KYC sits inside the application process
- The three application steps in the FAQ on the card page put KYC third and note that users in sanctioned regions may be refused. The home page has no KYC section, so reading only the home page suggests no identity check is required. [2]
- Holds a FinCEN MSB licence
- The footer lists Roogoo Inc. (number 20251710375) with FinCEN MSB number 31000303613698 and an address in Denver, Colorado. This is a US federal money services business registration, not a card-issuing licence. [1] [2]
- Mobile wallets and domestic payment methods
- The issuer states that the card can be added to Apple Pay, Google Pay, Alipay and WeChat Pay, an official statement listing both Alipay and WeChat that is rare among similar products; actual binding still depends on the card BIN range and merchant risk controls. [2]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- VISA / Mastercard
- Issuer arrangement / BIN
- The issuer does not publish the issuing institution or BIN ownership; funds and spending records are held by the VISA/Mastercard-affiliated issuing institution. The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: The FAQ on the issuer's card page states that the card can be added to Apple Pay, Google Pay, Alipay and WeChat Pay.
- Google Pay
- ✅ Explicitly stated in official materials: The same official passage lists Google Pay; actual availability still depends on the region and on wallet support.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: The issuer says nothing about AI subscriptions; the card can be used for online purchases, but whether a charge goes through depends on the merchant gateway, so the actual charge result is what counts.
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
- Roogoo (Roogoo Inc.)
- Web Portal Support
- Full Web Portal (Cards Supported) — The web versions at h5.roogoo.com / wap.roogoo.shop can be used to log in and use card functions, and can be added to the phone's home screen
- 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 party behind the privacy policy is Roogoo Holdings Limited (British Virgin Islands), with a GDPR legal-basis section and rights for EEA residents; to access, correct or delete personal data, email tradehelp@roogoo.com (with "DATA INQUIRY" in the subject line), and a reasonable fee may be charged; KYC is handled by Sumsub
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained as needed for the purpose and legal obligations (no specific period stated)
- App Store Privacy Label
- No tracking data; Linked to you: 0 categories; Not linked to you: 5 categories
- Google Play Data Safety
- No third-party data sharing; Claims no data collected
- Account Deletion Flow
-
Personal data deletion: email tradehelp@roogoo.com with "DATA INQUIRY" in the subject line; the card can be closed in the app, and a card obtained for free is charged $4.99 on closure; the Google Play data safety page provides no deletion method
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.
How conflicting official statements are recorded
On whether the issuance fee is "0" or "a one-time activation fee", the official pages give two answers themselves. This site records both side by side rather than choosing for the issuer, because readers will ultimately see the real fee page in the app; writing one of the two as fact would mean making, on the reader's behalf, a judgment the issuer has not made. [2]
Why the rate is not a guarantee of returns
The 4% is the annualised deposit rate as the issuer describes it, with yield coming from a neutral strategy run with on-chain protocol partners. Strategy returns move with the market, and the issuer does not promise a fixed rate; treating it as card cashback or as fixed interest misjudges the cost. [1]
Frequently asked questions
Is Roogoo Card Visa or Mastercard?
The FAQ on the issuer's card page describes it as a VISA®/Mastercard® prepaid debit card; the home page does not name the card network.
Does Roogoo Card charge an issuance fee?
The official pages conflict: the top of the card page says 0 issuance fee, while the application steps in the FAQ on the same page say a one-time activation fee is payable. Before applying, the actual fee page in the app should be the reference.
Roogoo Card: Is identity verification required?
Yes. The three application steps in the FAQ on the issuer's card page put KYC identity verification third and note that users in sanctioned regions may be refused.
Is Roogoo's 4% cashback?
No. The 4% is the annualised deposit yield on the funding account balance, paid daily at 08:00 UTC; the issuer does not publish a spend cashback rate.
Can Roogoo Card be linked to Alipay and WeChat?
The issuer states that the card can be added to Apple Pay, Google Pay, Alipay and WeChat Pay; actual binding still depends on the card BIN range and merchant risk controls.
📜 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 Roogoo Card on X; search results may change over time.
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