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Oobit Tap & Pay Review 2026 - Fees, Limits, KYC | Crypto Cards | Crypto Cards

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Oobit Tap & Pay

Oobit Tap & Pay

Full KYC

Virtual Card Visa

74

Overall

Oobit Tap & Pay

Virtual Card•Visa•Full KYC

Oobit offers a high-tech NFC payment experience that allows users to spend crypto directly from their mobile device. While it features innovative self-custody integration with wallets like Phantom, its fee structure includes a minimum transaction floor that makes it less ideal for small purchases.

Pros

Seamless integration with Apple Pay and Google Pay
Supports spending directly from self-custody wallets like Phantom
No monthly maintenance or virtual issuance fees
Real-time conversion at the point of sale with no manual pre-loading required
Extensive support for various blockchain networks and assets

Cons

Minimum $0.25 fee per transaction can be very high for small purchases
Foreign exchange and cross-border fees can reach up to 6% combined
ATM withdrawals are not supported for the primary Tap & Pay product
Strict KYC requirements and a long list of restricted jurisdictions

74

OverallExcellent

Our editorial score based on fees, features, privacy, and trust.

—/10

Community ScoreNot yet rated

KYC LevelFull KYC

Table of Contents

Card Overview

Oobit Tap & Pay

Rewards

Cashback

2%

Cashback Crypto

USDT

Staking Rewards

✗

Staking APR

—

Welcome Bonus

$10

Referral Bonus

$10

Fees

Monthly Fee

Free

Card Issuance

Free

ATM Fee

Free

FX Fee

3%

Top-up Fee

Free

Decline Fee

$29

Limits

Daily Spend

$5,000

Monthly Spend

$150,000

ATM Withdrawal

$0

Card Info

Card Type

Virtual Card, Physical Card

Card Network

Visa

Apple Pay

✓

Google Pay

✓

Rewards

Cashback

2%

Cashback Crypto

USDT

Staking Rewards

✗

Staking APR

—

Welcome Bonus

$10

Referral Bonus

$10

Fees

Monthly Fee

Free

Card Issuance

Free

ATM Fee

Free

FX Fee

3%

Top-up Fee

Free

Decline Fee

$29

Limits

Daily Spend

$5,000

Monthly Spend

$150,000

ATM Withdrawal

$0

Card Info

Card Type

Virtual Card, Physical Card

Card Network

Visa

Apple Pay

✓

Google Pay

✓

KYC Requirements

Level: Full KYC

Email Verification

Required

Phone Verification

Required

Identity Document

Required

Proof of Address

Required

Selfie Verification

Required

—/10

Not yet rated

We haven't collected enough community feedback for this card yet. Check back soon!

Features

Contactless

Supported Cryptocurrencies

BTC

ETH

USDT

USDC

XRP

BNB

SOL

DOGE

LTC

TRX

XLM

ADA