Get Card

FAQ

Card and issuing
A virtual crypto-funded Visa card. Use it anywhere bank cards are accepted.
Open the CowCard mini app in Telegram and create the card in a couple of taps. Your Telegram account is enough to get started.
From $20 one-time issuance fee — the exact price is shown when you issue the card. $0 monthly and 0% on purchases.
Up to 10 cards under one account.
No. One account per Telegram user.
Use the cardholder name and billing address shown under “Details” on the card page. These details may vary by card type and issuer.
Top-up and transfers
Step 1 — top up your crypto wallet with any available coin
Step 2 — convert to USDT if needed
Step 3 — move the funds to the card

The card balance updates in a few minutes.
Yes — up to $50,000 per top-up, depending on the card type. There is no limit on how many times you top up.
No. Crypto deposits only for now.
Limits may depend on the asset, network, provider, and compliance checks. The app shows the limits that apply before you confirm a deposit or withdrawal.
No. A card is topped up only by the wallet that owns it. To send someone funds, deposit crypto to their account.
Yes, but you'll need to submit a request to support from the mini app. Withdrawal usually takes one business day.
Payments and currency
The card is denominated in USD. When you pay in another currency, the amount is converted automatically at the payment network or issuer rate.
Yes. The issuing bank converts the payment into the card currency. Banks may add their own FX fee, which differs by country and currency.
  1. Open the Wallet app and tap “+”
  2. Choose “Debit or Credit Card”, then “Continue”
  3. Tap “Enter Card Details Manually”
  4. Enter the cardholder name shown in CowCard, the card number, expiry date and CVV
  5. Agree to the terms
  6. Choose email verification
  7. Enter the code the bot sends you
  1. Open Google Wallet and tap “Add to Wallet”
  2. Choose “Payment Card”, then “Enter details manually”
  3. Enter the card number, expiry, CVV and billing address
  4. Agree to the terms and choose email verification
  5. Enter the code the bot sends you
Do not retry straight away — repeated attempts can trigger the bank’s risk checks and block the card. Write to support and we will tell you the reason.
Limits and restrictions
Limits depend on the card type — the exact numbers for your card are on its page in the app.
Single transaction — up to $50,000
Monthly spend — up to $1,000,000
Maximum balance on card — $50,000
Top-up — up to $50,000 at a time
Anywhere regular bank cards work — hotels, flights, restaurants, online stores, subscriptions (Netflix, Spotify, ChatGPT, Apple) and more. Some categories are blocked, see the next question.
Money transfers and quasi-cash, gambling, adult content, investments and brokerage, high-risk goods and a few other categories do not go through. See the full list.
Yes. The card cannot be used by residents of, or for payments originating in, a number of countries and territories. See the full list.
It depends on the card. You can read about this option before issuing the card.

Restricted merchant categories

  • Money transfers & quasi-cash merchants — card payments to wire-transfer services, money orders, PSP transfers, cash disbursements, third-party wallet top-ups, and similar fund-movement merchants. This does not refer to funding your CowCard through the app.
  • Investments & brokerage — brokerage, dealer, and investment-related services.
  • Gambling — lotteries, online casinos, sports betting, racing, and related categories.
  • Adult content & escort services — escort agencies, dating platforms, massage parlors, and similar adult categories.
  • High-risk & prohibited goods — weapons, ammunition, explosives, controlled substances, and high-risk tobacco retail.
  • Fraud-risk merchants — pawn shops, debt collection agencies, bail and bond payment services.
  • Luxury & collectibles — fur, antiques, stamp and coin dealers.
  • Political, religious & civic organizations — political parties, religious organizations, and labor unions.

Restricted jurisdictions

  • Afghanistan
  • Albania
  • Angola
  • Belarus
  • Bosnia and Herzegovina
  • Myanmar
  • Burundi
  • Central African Republic
  • Cuba
  • North Korea
  • Democratic Republic of the Congo
  • Ethiopia
  • Eritrea
  • Guinea
  • Guinea-Bissau
  • Haiti
  • Iran
  • Iraq
  • Ivory Coast
  • Kosovo
  • Lebanon
  • Liberia
  • Libya
  • Macedonia
  • Mali
  • Nicaragua
  • Pakistan
  • Russia
  • Somalia
  • South Sudan
  • Sudan
  • Syria
  • Serbia
  • Sierra Leone
  • Venezuela
  • Yemen
  • Zimbabwe

As well as the territories of

  • Abkhazia
  • Nagorno-Karabakh
  • Northern Cyprus
  • Sahrawi Arab Democratic Republic
  • Somaliland
  • South Ossetia