Best NO-KYC cards physical and virtual - my personal experience.

[Lucius]

In today's time when database hacking happens almost on a daily basis and we are all exposed to various types of phishing and social engineering, any service that gives us the opportunity to use it without providing our own data is something that can contribute to our privacy and security.

One of the services for which there is great interest is certainly virtual and physical NO-KYC cards that can be topped up with cryptocurrencies. Nowadays there are hundreds of them and it's hard to choose the one that has everything you're looking for. Other people's experiences can mean a lot in that decision, and I would like to present you the cards that proved to be the best choice for me.


Goblin has been on the market for about a year and a half and offers its users a physical MC card with which you can withdraw money at ATMs and pay at POS/online. The card can be purchased at a price of $350 and it is valid for 3 years (using the referral link in my signature you get a small discount), it is delivered anywhere in the world (supported countries) within 7 days. I ordered mine via PO BOX, so I recommend that option, and since a few days ago, delivery to parcel lockers (DPD and InLocker) has been enabled for users in the EU.

What many are interested in are the fees - the topup fee is 3.5% (XMR 4%), FX fee and ATM fee are 0%. You should take into account that there is a bank fee at every ATM you use, and that you should always refuse the conversion offered by the bank because such an option is usually always expensive.

The daily limit on ATMs is $500 (officially), but it still depends on the ATM, so some users successfully withdraw x3-4 of that limit - and the total daily limit is $5000, monthly $25000.

Along with buying a physical card, you also get a virtual one (included in the price), which is a separate card with much higher limits (tap $20 000 per day - online $200 000 per day). This card has a 1.5% FX fee. The card supports Google and Apple Pay and 3DS.

The list of restricted countries is currently not available (as far as I can see), but from what I know, that list mainly includes countries that are on FATF black/grey lists.

Support is available on Telegram and SimpleX where there is an official group if you want to learn more. It is very important to note that there are a lot of scammers on Telegram, no one from official support will ever contact you first.

Important: if you buy a card, it must be activated manually by the admin - take into account the time zone, as far as I know he is from Mexico.

https://www.goblincards.com/


The second card I want to tell you about is Freedomia, a virtual card that has been on the market for a little over 1 year and has proven to be an excellent choice so far. The card costs $60 for one year of use (paid in advance for the whole year) and supports Google Pay and 3DS. Interestingly, you can top up your card using LN, whether it's an address or an invoice, which means you can have funds on your card instantly when you really need them.

Freedomia is using USDT and USDT on Polygon, with a top-up fee of 1.3%, everything else is increased by approximately 0.5%, which for BTC on-chain is about 1.9%. LN fees are between 0.25% -0.50%, which depends on the processor. The FX fee is 2.5% for all non-USD payments.

This card allows you to withdraw cash from ATMs (PIN available in your account), and it should be noted that while in some countries withdrawing cash via a virtual card (Google Pay) with NFC works, in others, unfortunately, this is not the case. It depends on the banks in a particular country - for example, in Spain it works on most ATMs, while in Germany, as far as I know, it doesn't. There are also certain ATM fees that depend on the type of ATM and the transaction route, so in the US this fee is usually 2.5%, while in some other countries it can be up to 6%.

The monthly limit is $5000 and can be configured as desired, meaning you can spend it all at once or spread it out as you wish. You can also add a new card from the card portal and have more cards, managing everything from one place.

Customer support is available through Telegram and email - also beware of scammers, no one from the team will contact you first.

The advantages of using my ref link from the signature are that you will get one month extra.

https://www.freedomia.io/home


I am not part of the team, everything written above is my opinion based on personal experience.

[Accardo]

Few clarifications on Freedomia, if you don't mind, could you talk about this?

15.1 Data we process. We collect necessary data to operate the Platform and comply with KYC/AML: name, email, phone, identity documents, addresses, transactional information and technical usage data.

Is this something they'll come up with someday, while leveraging on no kyc as a marketing ploy to draw the attention of crypto users? Look, virtual and physical card providers that work with real money are subject to a top regulated issuer that makes kyc compulsory. The question here is, who is this issuer of theirs that isn't interested in KYC? What license does Freedomia operate under? in what location are they based? While going through their service terms, I also found this a bit unclear,

The Platform and content related to the card program are intended exclusively for persons resident and domiciled in Hong Kong. If you access from an IP address outside Hong Kong and do not wish to continue, you must close the application or website immediately

They're several uncertainty about why they promote no kyc, and wrote in their terms of service that they collect data and comply with KYC. I think a platform like Freedomia should be traded with caution, maybe users can try it out with smaller amounts at the moment, because card providers like this could shutdown or users accounts frozen at any given moment.

[Lucius]

~snip~
They're several uncertainty about why they promote no kyc, and wrote in their terms of service that they collect data and comply with KYC. I think a platform like Freedomia should be traded with caution, maybe users can try it out with smaller amounts at the moment, because card providers like this could shutdown or users accounts frozen at any given moment.

I didn't give any information to get that card, so I don't know what they could give someone even if they asked for it. It's no secret that most of today's virtual cards are based in Hong Kong, and I can't say what the exact reason is for that. Any service like this should be taken with a dose of caution, but what's important is that it works for those who need such a service.

Regarding small amounts, I already wrote that it is possible to top up with LN, which means that you can spend your funds practically when you send them. There is no logic in sending $5000 to the card and then spending little by little, it's simply a bad approach.