The Send Card is a virtual Visa card that lets you spend your money anywhere Visa is accepted.
What you get
A virtual card: card number, expiry and CVV, available in the app as soon as you're approved. There's no physical card at launch.
You can use it online or add it to Apple Pay or Google Wallet and tap to pay in person.
How it works
The Send Card is prefunded. You load money onto the card from your Send balance, and spending draws from that loaded amount, not directly from your wallet.
That means two things worth knowing up front:
You need to load the card before you can spend on it
If a payment declines, the first thing to check is your card balance rather than your Send balance
Why you'll see two balances
Your Send balance and your card balance are separate, and the app shows both.
This is deliberate. Keeping them separate means your card spending is ring-fenced from the rest of your funds, money you haven't loaded onto the card can't be touched by card transactions.
What you need
A Send account
Identity verification (KYC): this is separate from creating your Send account and is required by the card issuer
Verification is a card requirement, not a Send account requirement. Creating a Send account still doesn't need documents.
Fees
There's no fee for the card itself: no annual fee, no monthly fee, and nothing to pay to get one.
The one fee to know about is a foreign exchange (FX) fee on purchases made in a currency other than USD. It’s included in the amount charged at the time of the transaction, and USD purchases have no FX fee. The exact fee depends on the currency — see Foreign exchange (FX) fees on the Send Card for the breakdown.
Good to know
The card is issued through our card partner, so you may see their name on some screens and notifications
You can have one active card at a time
Cards can be locked instantly if you need to stop spending
Cards can be reissued if lost or compromised: you get a new number and keep your loaded balance