Oobit
Oobit · Visa
A crypto payment app (tap-to-pay on Visa, virtual only) you can connect to your self-custody wallet (keys stay yours until payment) or use with an in-app balance held by Oobit. Available in 150+ countries. Cashback: 5% in stablecoin (e.g. USDT, on up to $200/month of spend) or 10% in the OOB token (on up to $10,000/month). Mind the costs: up to 3% FX plus a 1% transaction fee (min $0.25).
The clause
That 10% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | N/A (virtual only) |
| ATM withdrawal | 1% |
| FX markup | 3% |
| Cashback | 10% in USDT (stablecoin) o OOB · Nessuno |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 8/10 |
| Supported countries | EEA, APAC, MENA, LATAM, US · 150+ countries |
| Estimated net annual cost | €0/year |
| Regulator | Estonian FIU |
| Segment | B2C |
| MiCA / License status | FIU registration (Estonia) In adeguamento |
Plans & pricing
Strengths
- Self-custody (connected wallet); 150+ countries; 5% stablecoin / 10% OOB cashback.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Virtual card only; high costs: up to 3% FX + 1% per transaction; the in-app balance is custodial.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (In adeguamento): reporting to authorities and freezes on order.
Verdict
It earns one of the highest ratings in the category, and rightly so: the self-custody architecture on DePay keeps funds in your wallet until payment, cutting the risk of a service-side freeze, and there is a regulatory-alignment path with the Estonian FIU. Worth weighing are the virtual-only format and FX that can reach 3%.
For the crypto-native profile Oobit is a sound pick: self-custody is the core value, funds never leave your control before spending, and coverage spans 150+ countries with USDT cashback. Full KYC caps onboarding anonymity, but genuine self-custody remains its standout strength.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Oobit, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
-
Google Play ↗
4.1/5
26,616 reviews
Values from the Play page structured data (ratingValue 4.12; ratingCount 26,616) for "Oobit – Crypto Card", package com.oobit; the visible label rounds to "26.6K". US storefront: the same page requested with the Singapore storefront, where the company is based, returns no structured data, so the two national averages could not be compared.
-
App Store ↗
4.5/5
115 reviews
Exact figure from the iTunes Lookup API (app "Oobit – Crypto Card & Payments", id 1598882898, seller OOBIT TECHNOLOGIES PTE. LTD), US store. A far smaller base than the Android one: 115 ratings against more than 26,000.
Weighted average across 2 public review platforms (26,731 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Oobit a safe card?
Oobit is a crypto card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme.
How much does Oobit cost?
No annual or issuance fee. On foreign-currency payments the FX can reach 3%, plus a 1% transaction fee (min $0.25).
Does Oobit offer cashback?
Yes: 5% in stablecoin (e.g. USDT, on up to $200/month of spend) or 10% in the OOB token (on up to $10,000/month).
Is Oobit available in Italy?
Yes, Oobit is available in Italy.
Is Oobit custodial or self-custody?
Oobit is hybrid: you can connect a self-custody wallet (MetaMask, Trust, Phantom…) and keep your keys until payment, or hold a balance in the in-app wallet, which is custodied by Oobit.
Sources
- Official service page Plans & pricing · Regulatory framework · Latest funding round · Investors · +1 Data verified on Jul 10, 2026
- spendnode.io Data verified on Jul 10, 2026
- crunchbase.com Stock ticker · Stock listing · IPO date Data verified on Jun 14, 2026
- hacken.io Third-party audit Data verified on Jun 14, 2026
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