SiraPay Virtual Card review
Low-cost virtual Visa cards for online subscriptions, funded with USDT, light sign-up
Summary
SiraPay is a UK-registered fintech offering virtual Visa cards aimed at freelancers and crypto users who pay for SaaS, AI tools and ads online. Accounts are funded mainly with USDT through Binance Pay or several blockchains, and sign-up collects basic details without an ID upload. Most card prices and limits are only shown inside the app, with the lowest card prices reserved for the paid Gold plan.
At a glance
- Network
- Visa1
- Card type
- Prepaid1
- Formats
- Virtual1
- Who holds your funds
- The company1
- ID check
- Light1
- Top up with
- USDT1
- Top-up networks
- BEP20, TRC20, Polygon, Avalanche, Solana, TON, Binance Pay31
- Apple Pay
- Not available1
- Google Pay
- Not available1
- ATM cash
- No1
- IBAN
- No1
- Issuing bank
- Standard Chartered Bank (as stated by SiraPay)1
Fees and limits by tier
| Monthly Card (Gold plan) | Yearly Card (Gold plan) | Free plan | |
|---|---|---|---|
| Card issue fee | $0.9912 | $4.9912 | Not available |
| Foreign currency fee | 1.5%12 | 1.5%12 | 1.5%12 |
Monthly Card (Gold plan)
- Monthly-validity card at the Gold-plan price
- Card price as stated for the Gold plan; plan price shown in the app
- Physical card announced as coming soon
- Free account maintenance; free deposits via Binance Pay
- US billing address for online checkouts
Yearly Card (Gold plan)
- Yearly-validity card at the Gold-plan price
- Card price as stated for the Gold plan; plan price shown in the app
- Physical card announced as coming soon
- Free account maintenance; free deposits via Binance Pay
- US billing address for online checkouts
Free plan
- Free-forever account; card prices shown in the app before paying
- Up to 5 cards to start, more on upgrade
- No ID upload or face scan at sign-up
What works
- Sign-up without uploading an ID document
- USDT deposits over many networks, including free Binance Pay transfers
- Multiple cards per account for separating subscriptions
- Prices are shown in the app before you pay
What to watch
- Many fees and limits are only visible inside the app
- Cheapest card prices require the paid Gold plan
- Virtual only; the physical card is still announced as coming soon
- Little independent information about the card issuing arrangement
Where it works
Available in 149 countries.1
Show the country list
Albania, Algeria, Andorra, Angola, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahrain, Bangladesh, Belgium, Benin, Bolivia, Bosnia & Herzegovina, Botswana, Brazil, Bulgaria, Burkina Faso, Cambodia, Cameroon, Canada, Chad, Chile, China, Colombia, Costa Rica, Croatia, Cyprus, Czechia, Côte d’Ivoire, DR Congo, Denmark, Djibouti, Dominican Republic, Ecuador, Egypt, El Salvador, Estonia, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Guatemala, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Mali, Malta, Mauritania, Mauritius, Mexico, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Republic of the Congo, Romania, Rwanda, San Marino, Saudi Arabia, Senegal, Serbia, Sierra Leone, Singapore, Slovakia, Slovenia, Somalia, South Africa, South Korea, Spain, Sri Lanka, Sudan, Sweden, Switzerland, Syria, Taiwan, Tanzania, Thailand, Togo, Trinidad & Tobago, Tunisia, Turkey, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Venezuela, Vietnam, Yemen, Zambia, Zimbabwe
Country guides for this card
United Arab Emirates
Saudi Arabia
Kuwait
Qatar
Morocco
Turkey
Germany
United Kingdom
France
Netherlands
Spain
Italy
United States
Canada
Australia
NigeriaQuestions people ask
Does SiraPay require KYC?
SiraPay says it does not ask for an ID upload or face scan; it collects basic personal information to meet its compliance obligations.
How do I fund a SiraPay card?
You deposit USDT via Binance Pay or on supported networks such as TRC20, BEP20, Polygon, Solana, Avalanche and TON, then load your card from the account balance.
Is there a physical SiraPay card?
Not yet. The pricing page lists the physical card and its ATM terms as coming soon.
How would you rate SiraPay Virtual Card?
Used this card? Tap the stars. One rating per person, no account needed.
/5 · 0 ratings
Sources
The numbers on this page come from these official pages. The small numbered marks next to each fact point here.
- sirapays.com/ — Homepage: privacy-first Visa virtual cards, no forced KYC/no ID upload, crypto & fiat top-ups, start with 5 cards, US billing address, Google Play app, UK company 16864637, 'card issuance is provided by Standard Chartered Bank, pursuant to a license... (checked 2026-11-01)
- sirapays.com/pricing — Fees & limits: Monthly Card $0.99 and Yearly Card $4.99 on Gold plan; FX fee 1.5%; account maintenance free; Binance Pay deposit free; physical card coming soon (ATM $1,500 single, 6/day, $2+2% for future physical card) (checked 2026-11-01)
- sirapays.com/faq — FAQ: deposits via Binance Pay (USDT) plus 8 blockchain networks incl. BEP20, TRC20, Polygon, Avalanche, Solana, TON; 150+ country coverage; basic info collected, no ID upload (checked 2026-11-01)
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