Fees & Limits
One Simple Fee.
Zero Surprises.
Rivocard charges a single transparent fee — 5% on the amount you fund or reload onto each card, deducted from the amount. Crypto deposits to your wallet are always free. No monthly subscriptions, no purchase fees, no hidden charges, no fine print. Fund a card with $100, a $5 fee is deducted, and your card has $95 to spend anywhere Visa is accepted.
5% on Card Funding — Nothing Else
One fee, fully transparent. Charged only when you load your card
0% on All Purchases
Spend your balance with zero transaction fees anywhere Visa is accepted
No Monthly Plans or Subscriptions
Pay only when you use the card — no recurring charges ever
✓
0% on Purchases
Spend freely, zero cost
⚡
Instant Load
Crypto & bank transfer
🌐
150+ Countries
Global acceptance
Complete Fee Summary
No Hidden Fees
Card CreationFREE
Card Top-up Fee5% of amount
Online Purchases0%
International Spend0%
Card Freeze / UnfreezeFREE
Card ReplacementFREE
Monthly SubscriptionNONE
5%
Top-up Fee Only
We charge 5% when you load funds onto your card. Load $100 → pay $5. Load $500 → pay $25. Fully transparent, always shown before you confirm.
0%
On All Purchases
Once your card is loaded, spend your balance freely. Zero transaction fees on purchases — online shopping, subscriptions, travel, ads, and more worldwide.
$0
No Subscription Fee
No monthly plans, no annual fees, no recurring charges. You pay only the 5% top-up fee when you choose to load your card. Use it as little or as much as you need.
How It Works
How the 5% Fee Works
Our pricing is as simple as it gets. Depositing crypto to your wallet is always free. The only fee we charge is 5%, deducted when you fund or reload a card from your wallet balance.
Once funds are on your card, spend them anywhere Visa is accepted with zero additional fees — no per-transaction charges, no foreign exchange fees, no monthly subscriptions.
Step 1 — Deposit Crypto to Your Wallet
Send any supported cryptocurrency (BTC, ETH, USDT, USDC, and more) to your Rivocard wallet address. Deposits are always free — no fee on the deposit itself.
Step 2 — Choose How Much to Fund Your Card
From your wallet balance, choose how much to fund a card with (e.g. $200). The 5% fee ($10) is calculated and shown to you before you confirm.
Step 3 — Receive Your Card Balance
Your virtual card is credited with $190 ($200 minus the 5% fee). This is your spending balance — 100% available with no further deductions.
Step 4 — Spend with Zero Fees
Use your $190 balance freely at any Visa-accepted merchant worldwide. No per-transaction charges, no foreign exchange fees, no hidden deductions. Spend every cent.
Card Funding Fee Calculator
You fund a card with $X
You deposit
$100
Deposit fee
FREE
Wallet balance
$100
You fund
$100
5% fee
$5
Card balance
$95
You fund
$500
5% fee
$25
Card balance
$475
You fund
$1,000
5% fee
$50
Card balance
$950
You fund
$5,000
5% fee
$250
Card balance
$4,750
✓ The fee is shown clearly before you confirm any card funding. No surprises.
Complete Fee Reference
Every Fee Listed in One Place
Bookmark this page as your complete fee reference. If it is not listed here, we do not charge it.
Fee Type
Amount
Notes
Account Creation
FREE
Sign up in under 60 seconds, no setup fee
Crypto Deposit to Wallet (BTC, ETH, USDT, USDC, and more)
FREE
No fee on depositing any supported crypto to your Rivocard wallet
Card Creation & Issuance
FREE
Create unlimited virtual cards, no issuance fee
Card Funding (initial creation amount)
5%
5% deducted from funded amount. Shown before you confirm
Card Reload (adding funds to an existing card)
5%
Same 5% applies on every reload, deducted from amount added
Online Purchases (Visa)
0%
No fee on any purchase transaction
International Transactions
0%
Use globally with no extra charge
Card Freeze / Unfreeze
FREE
Manage card status anytime from dashboard
Card Replacement
FREE
Issue a new card instantly if compromised
Declined Transaction
FREE
No fee charged on failed or declined payments
Account Cancellation
FREE
Cancel anytime with no exit penalty
Monthly / Annual Subscription
NONE
We do not have subscription plans
Spending Limits
Know Your Spending Limits
Spending limits are based on your identity verification level. Complete KYC to unlock higher limits and get full access to your card’s capabilities.
Per Transaction Limit
Basic KYC$20,000
Full KYC$Unlimited
Enhanced KYC$NO Limit
Daily Spend Limit
Basic KYC$20,000
Full KYC$Unlimited
Enhanced KYC$No Limit
Monthly Spend Limit
Basic KYC$20,000
Full KYC$Unlimited
Enhanced KYCNo Limit
Card Load Limit
Basic KYC$20,000
Full KYC$Unlimited
Enhanced KYC$No Limit
Always Free
These Are Always Free — No Exceptions
Card Creation & Issuance
Get your virtual Visa card instantly with zero issuance or setup fee
All Online Purchases
Zero transaction fee on every online purchase — shop, subscribe, advertise worldwide
Card Freeze & Unfreeze
Pause or reactivate your card instantly from your dashboard, anytime
Card Replacement
Issue a new card immediately if yours is compromised — no replacement fee ever
Declined Transactions
No fee charged if a payment fails or is declined for any reason
Account Cancellation
Close your account whenever you want with absolutely no exit or cancellation fee
FAQ
Frequently Asked Questions About Fees
The 5% fee is charged on the amount you load (top-up) onto your virtual card. For example, if you load $200, you pay a $10 fee (5% of $200). Your card balance will be $200. There are no other fees — purchases, international transactions, and card management are all free.
No — absolutely not. The 5% top-up fee is the only fee Rivocard charges. There are no monthly subscriptions, no transaction fees, no inactivity fees, no cancellation fees, and no hidden charges. Every fee is displayed clearly before you confirm any action.
Yes — the 5% fee is applied each time you load funds onto your card, regardless of the loading method (crypto or bank transfer). To minimize fee impact, consider loading larger amounts less frequently rather than many small top-ups.
No — zero. Once your card is loaded, every purchase you make is completely free with 0% transaction fee. Whether you are shopping online, paying for subscriptions, booking travel, or running ads on Google or Meta — all purchases are fee-free.
No. Rivocard does not have subscription plans. We do not charge any monthly, quarterly, or annual fee. You only pay the 5% fee when you choose to load money onto your card. If you do not load, you do not pay anything.
Spending limits are tied to your KYC (identity verification) level. Completing full KYC unlocks significantly higher per-transaction, daily, and monthly limits. Enhanced KYC users get the highest available limits. Contact our support team to start the verification upgrade process.
Simple & Transparent
Just 5% to Load.
0% to Spend.
0% to Spend.
Create your Rivocard for free today. Load your card with crypto or bank transfer, pay one simple 5% fee, and spend your balance globally with zero purchase fees. No plans. No surprises. No fine print.
Create My Free Card →FREE Card Creation
5% Top-up Fee Only
0% Purchase Fee
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