Hong Kong
India
Philippines
Indonesia
Australia
activeFeaturedCrypto cardExchange
- HQ
- Singapore
- Fee
- Card tiers gated by CRO stake (terms change — verify)
RedotPay
Spend USDT on a real card. The 2025–26 crypto-card default.
Legal entity: RedotPay — EMI / card programme, not a deposit-taking bank
Tap a star to jump to reviews
7.5Solid
AlternativesFive questions
At a glance
Is it a bank?
No. RedotPay is not a bank. Your money sits with Programme bank / BIN sponsor (confirm in-app, they rotate).
If it fails?
Stablecoins on the card are not bank deposits
Salary?
No — do not take payroll on a crypto card. This is spend rails, not a current account.
Open from abroad?
Many corridors, country-restricted. Crypto on-ramp does not make it a bank.
Monthly fee
Free virtual · physical issuance fee
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.5
/10 · Solid
The crypto-card to put on country pages for UAE, Nigeria, and SE Asia. Lead with ‘this is not a deposit.’ Then it is a useful rail.
What it is
RedotPay is a Hong Kong-born crypto card that lets users spend USDT/USDC on Visa. It filled a hole Crypto.com and Binance Card left in several markets. The balance is a stablecoin, not a bank deposit. Always name the current BIN sponsor.
Best for: People who already hold stablecoins and need a card that works at a terminal.
Last checked 2026-08-01. Not advice.
What it does well
- +Actually issues in markets where Crypto.com stalled
- +Virtual card speed
- +Apple Pay on a crypto balance is the trick
- +Emerging-market coverage
What to watch
- −Not a bank, not a scheme-protected balance
- −BIN sponsor can change
- −KYC failures are the 1-star cluster
- −Fees hide in conversion, not in a monthly line
Legal entity, not the app icon
Who is behind it
- Legal name
- RedotPay — EMI / card programme, not a deposit-taking bank
- If something goes wrong
- The EMI / card programme manager named on the cardholder agreement
Who holds the money
The account
- Platforms
- iOS · Android
- Account types
- Crypto card · virtual card
- Minimum balance
- $0
- Lowest monthly fee
- Plan-based
- Who can open
- Individuals in supported corridors
- Availability
- Global, country-restricted
- Support
- In-app / email
- Hours
- In-app / email
- Remote open
- Many corridors, country-restricted. Crypto on-ramp does not make it a bank.
- Onboarding
- KYC plus crypto/fiat funding. Read the card issuer, not the app icon.
- KYC documents
- Passport and liveness. Some residencies blocked.
- Minimum age
- 18
- Languages
- EN and localisations
- Salary / payroll
- No — do not take payroll on a crypto card. This is spend rails, not a current account.
- Local rails
- Visa/Mastercard spend · crypto in, card out
- ATM network
- Card ATMs where the BIN allows — fees apply
- Overdraft
- None
How money actually moves
- Who holds the cash
- Issued / held via Programme bank / BIN sponsor (confirm in-app, they rotate)
- How money moves
- UPI / INR
- Built for
- Travel
- Settlement
- Card auth in seconds
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- RedotPay lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Stablecoins on the card are not bank deposits
Who holds the money: Programme bank / BIN sponsor (confirm in-app, they rotate)
- Card issuer / VASP partnersCard programme + VASP stack · HK / global
Fees
- Monthly
- Free virtual · physical issuance fee
- FX markup
- Stablecoin to fiat conversion + scheme FX
- ATM
- ATM cash-out fees on the tariff
Features
- –IBAN
- ✓Fee-free core
- ✓Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- USDT / USDC spend on Visa
- Virtual cards in minutes
- Apple Pay / Google Pay where allowed
- On-chain top-up
- Multi-chain deposits
Editorial, not a live demo
Screenshots and video
Official YouTube · RedotPayMedia is editorial context, not a live demo of the app. Screenshots go stale — read the licence first.
Before you tap Sign up
How to open
Step 1
This is a card, not a bank
RedotPay is a crypto card / virtual card. There is no FSCS, FDIC, or Einlagensicherung on a prepaid BIN.
Step 2
Check your corridor
Country restrictions are real. An App Store listing is not approval.
Official help: www.redotpay.com/support
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 6.0
- Fees20%
- 7.8
- Features15%
- 8.2
- App15%
- 8.4
- Global15%
- 8.6
- Support10%
- 6.8
Change log
Full logLicence
Card issuing via partner BIN / EMI stack
Crypto card. Not a bank. KYC and freeze risk sit on the issuer, not on a deposit scheme.
Licence
Card issuing via partner BIN / EMI stack
Crypto card. Not a bank. KYC and freeze risk sit on the issuer, not on a deposit scheme.
Straight answers
FAQ
01Is RedotPay a bank?
RedotPay is filed as Card programme + VASP stack. The named regulator is Card issuer / VASP partners. Still read the entity on the statement before you send money.
02What happens to money in RedotPay if it fails?
Stablecoins on the card are not bank deposits
03What does RedotPay charge each month?
The monthly fee on this file is Free virtual · physical issuance fee. Fees change — open the operator's pricing page if it is linked.
Ratings and reviews
4.5 / 5 from 2 published reviews on NeoBankDB.
Chioma E.
Nigeria· 2026-08-27Verified userOne of the few cards that still issues in my corridor.
Omar A.
United Arab Emirates· 2026-08-27Verified userUSDT in, Visa out in Dubai. KYC took two days. Not a bank.
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From NeoBankDB
News1 Aug 2026 · 3 min
RedotPay keeps showing up where other crypto cards stopped issuing
UAE, Nigeria, Southeast Asia. Virtual Visa in minutes. Still not a bank.
Read the noteNote4 Aug 2026 · 8 min
Crypto cards after the stadium era: RedotPay, Crypto.com, Wirex
The job is spend USDT at a terminal. The risk is that the balance is not a deposit. A comparison that ignores the BIN sponsor is incomplete.
Read the note