Binance Card — Global/APAC fees and how to open (2026)

Last verified: 2026-09-02 · Evidence: L2-official-help-center · Editorial standards

By Rosa · Independent review · Not affiliated with Binance

Direct answer: Binance Card (Global/APAC Mastercard via Immersve) spends exchange balances with $0 issuance/annual/monthly fees. As of 2026-08-29: 0.1% conversion on USDC spend, 0.9% on other assets, 2% FX on most non-USD (exceptions exist); EU/UK Visa product discontinued Dec 2023. US/Canada not supported. Cards tab must appear in-app.

Sources and verification

Binance Support — Card — Product availability
Binance app — Pay/Card menu

Global/APAC Mastercard issued by Immersve (NZ). EU Visa shut down Dec 2023. Always confirm live Card FAQ before spending.

Status at a glance

Check	Status (confirm in-app)
Account signup	Binance exchange account
KYC	Full verification; 30–120 min
Virtual card	Global Mastercard where supported
Physical card	Limited / region-dependent
Local funding	Binance wallet balances
Apple / Google Pay	Where offered in-app

Fees at a glance

Fee type	Documented rate
Issuance / annual / monthly	$0 (Global/APAC Mastercard)
FX (most countries)	2% on non-USD transactions
FX (exceptions)	0% Colombia/Peru/CIS/Armenia; 3% New Zealand
Crypto conversion	0.1% USDC; 0.9% other assets
Cashback	1–3% by monthly spend tier (region-dependent; USDC/BNB)
ATM	2 free withdrawals/mo where offered, then $1.50

Issuer app checkout and fee screens are authoritative. Card Lab scores are editorial estimates, not investment advice.

How to open, fund, and activate

Check live support — Binance app → Pay/Card; if no card menu, product is unavailable in your region. (2 min)
Complete Binance KYC — Full identity verification with local ID; residency must match supported market. (30–120 min)
Apply for virtual card — Submit Global Mastercard application; approval often within minutes. (5–15 min)
Fund & set payment asset — Hold USDC for lowest 0.1% conversion; link Apple/Google Pay if shown. (5 min)

Promo and referral

Partner link: https://www.binance.com/activity/referral-entry/CPA?ref=CPA_00259SK0JW — codes: CPA_00259SK0JW. Partner CPA link — confirm Cards tab shows application for your country. See also promo evidence page.

Promotions: No standing promo documented — check in-app campaigns.

FAQ

Is Binance Card still available in Europe?

The EU/UK Visa Binance Card was discontinued in December 2023. Some users may access Global/APAC Mastercard — confirm in-app.

What is the cheapest asset to spend?

USDC at 0.1% conversion vs 0.9% on other crypto assets per documented fee schedule.

Can Nigerians get Binance Card?

Availability is app-gated with no public country list. If Pay/Card is absent, use a country guide for alternatives like RedotPay.

FX fee on foreign currency purchases?

2% on most non-USD transactions; 0% in Colombia/Peru/CIS/Armenia; 3% in New Zealand per documented exceptions.

Cashback program?

1–3% by monthly spend tier, paid in USDC/BNB where offered. Region-dependent.

Who issues the card?

Global/APAC Mastercard is issued via Immersve (New Zealand entity). Confirm issuer disclosure in-app.

US residents?

Binance Card is not available in US/Canada as of documented product scope.

Affiliate link?

Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app.

Trust & disclosures

Author: Rosa · Editorial standards · Affiliate disclosure · Disclaimer

CryptoCard Insider is independent and unofficial. We may earn commission on disclosed partner links (rel="sponsored"). Fees, eligibility, and promos change — confirm in each issuer app. Card Lab scores are editorial estimates, not investment advice.

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