Spendly Spendly Virtual
A plan bySpendly · Visa
Spendly was a no-KYC virtual crypto-to-fiat Visa card, advertised as usable in over 180 countries. The product no longer appears to be operational: as of 23 July 2026 the card's website (usespendly.com) is a Namecheap parking page. Do not confuse it with the identically named Spendly at getspendly.com, a different company selling B2B vendor-overcharge recovery software that has nothing to do with this card.
Spendly Virtual
- Price
- Free
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM limit
- Not disclosed
- Net annual cost
- Free
What's included
- Virtual prepaid no-KYC
- BTC/ETH/LTC/SOL/USDT
- Apple Pay/Google Pay
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | Not disclosed |
| ATM withdrawal | not declared |
| FX markup | 0% |
| Cashback | Not disclosed |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | No KYC |
| Privacy | 6/10 |
| Supported countries | EEA, APAC, LATAM · 100+ countries |
| Estimated net annual cost | €0/year |
| Regulator | Not disclosed |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | Not disclosed |
Strengths
- No KYC; virtual crypto-to-fiat; usable in 180+ countries.
- No KYC: usable without identity verification.
Weaknesses
- Product no longer reachable: the card's site (usespendly.com) is a Namecheap parking page as of 23/7/2026; regulation never clarified; virtual-only; risk of confusion with the identically named B2B SaaS at getspendly.com.
- Custodial: the platform holds your funds and can freeze or lose them.
Verdict
The decisive point is that the product no longer appears to be operational: as of 23/7/2026 the card's site (usespendly.com) is a Namecheap parking page, while getspendly.com — previously listed as the official site — belongs to a different company (a B2B cost-recovery SaaS). Transparency was already thin when the card was active: regulation never clarified, custody with the service, virtual-only. A vanished website and confused identity keep the score in tier D.
On paper the strengths were there: no KYC, crypto-to-fiat conversion, pseudonymous spending. But a no-KYC, unregulated instrument whose official site disappears into a parking page is the exact scenario where custodial funds vanish with no counterparty to turn to: today there is no verifiable service left to trust with money.
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 Spendly, 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
FAQ
Is Spendly a safe card?
Spendly no longer appears to be operational: as of 23 July 2026 the card's website (usespendly.com) is a Namecheap parking page. It was a no-KYC custodial card on the Visa network with regulation that was never clarified. We advise against loading funds onto services whose official website is no longer reachable.
How much does Spendly cost?
The card has no annual fee. Issuance is free. The FX markup is 0% (no surcharge). See the tier table for full conditions.
Does Spendly offer cashback?
Spendly does not offer crypto cashback.
Is Spendly available in Italy?
No: the product no longer appears to be operational. As of 23 July 2026 the card's website (usespendly.com) is a Namecheap parking page and sign-up is not possible.
Is Spendly custodial or self-custody?
Spendly uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Rating editoriale Data verified on Jul 23, 2026
- getspendly.com Plans & pricing · Regulatory framework · Url ufficiale · Rating editoriale · +1 Data verified on Jul 23, 2026
- opencryptocards.com Blockchain · Annual cost · Trust & safety · Issuer Data verified on Jul 10, 2026
- cryptocards.so Plans & pricing Data verified on Jun 14, 2026
Update history
- Product no longer reachable: usespendly.com (the card's site) is a Namecheap parking page; getspendly.com, previously listed as the official URL, is a different company (a B2B cost-recovery SaaS). Score adjusted to the service's status (1.5, tier D) and URL corrected.