Lock $1,000. Unlock everything.
One refundable deposit removes every card fee, upgrades your BIN, and starts paying you cashback — today.
Everything Premium unlocks
A single refundable lock replaces every fee on your account with a better default — for as long as you stay Premium.
Zero issuance fees
No more 5% to open a new card. Ever.
Zero reload fees
Top up any card, any amount, free.
Unlimited cards
No cap on active virtual cards.
Premium BIN pool
Highest-acceptance BINs, built for tough gateways.
1% cashback
On every dollar spent, credited monthly to your wallet.
Priority support & trust buffer
Your lock shields cards from decline-rate flags.
How the $1,000 lock works
Three steps. No spend requirement, no hidden catch.
Lock
$1,000 moves from Available → Locked. It’s still 100% yours — RivoCard never spends it.
Enjoy
Fee-free issuance, reloads, premium BIN and cashback apply instantly.
Unlock
Leave anytime. Your $1,000 returns to Available after a 24–48h security hold.
See it on your balance
Your $1,000 doesn’t disappear — it just moves from Available to Locked, and comes right back when you leave.
Before
After Activation
Your $1,000 is refundable to your account anytime. Unlock it whenever you like from Settings and it’s credited straight back to your available balance, after the standard 24–48h security hold. The moment you unlock, your account automatically switches back to Standard membership — Premium perks like fee-free issuance/reloads, the premium BIN pool, and 1% cashback end immediately, and standard fees apply again going forward.
Standard vs. Premium
The same account, a much better default.
| Standard | Premium BEST VALUE | |
|---|---|---|
| Card issuance fee | 5% | ✓ $0 |
| Top-up / reload fee | 5% | ✓ $0 |
| Active card limit | 5 cards | ✓ Unlimited |
| BIN pool | Standard | ✓ High-acceptance |
| Cashback | — | ✓ 1% |
| Support | Standard queue | ✓ Priority |
Premium FAQs
No — it’s a refundable deposit, not a payment. It just moves into your Locked balance and sits there, fully yours, until you leave Premium.
Yes. Tap “Leave Premium” in Settings whenever you like — your $1,000 returns to Available balance after a short 24–48h security hold.
Doesn’t matter — the $1,000 isn’t a spend requirement, it’s collateral. You keep all of it, plus free issuance, free reloads and cashback the whole time it’s locked.
Your $1,000 is refunded straight back to your account balance (after the standard 24–48h security hold), and your account automatically reverts to Standard membership. You keep using Rivocard as normal — just with Standard-tier fees and no cashback — until you lock in again.
What Standard fees are really costing you
Two example accounts, same activity, very different outcomes on Premium.
Casual user
3 card issuances + 2 reloads + $400 spend / monthActive user
10 card issuances + 6 reloads + $3,000 spend / monthIllustrative examples based on typical usage — your own numbers depend on how many cards you issue, reload, and spend each month. On Premium, all of that is $0 in fees, plus 1% paid back to you. And unlike a fee, your $1,000 lock stays yours and comes back whenever you unlock it.
Every card you issue and every reload you make on Standard hands 5% away in fees. On Premium, that same activity costs $0 — and pays you back. Your $1,000 isn’t a cost, it’s just working harder for you than it was sitting idle.