Spend your crypto anywhere, instantly
Top up with Bitcoin, Ethereum or stablecoins and pay at over 100 million merchants worldwide.
Real-time conversion, zero hidden fees.
BTC
ETH
USDT
USDC
BNB
SOL
LTCEveryday spenders
Pay for groceries, coffee and bills straight from your crypto balance
Frequent travelers
Spend in 150+ countries at live rates — 0% FX fee with the Metal card
Freelancers & remote workers
Get paid in USDT and use it instantly — no exchange needed
Online shoppers
Disposable virtual cards keep every online purchase safe
Crypto holders
Spend your BTC and ETH without selling on an exchange first
Small businesses
Separate team cards, spending limits and live reports in one app
Why people choose the QBNC Pay crypto card
Everything you need to turn digital assets into everyday spending — without the friction of exchanges.
All your crypto, one card
Top up with BTC, ETH, USDT and 20+ other assets, then spend them anywhere cards are accepted.
Instant top-ups
Deposit crypto and your balance is ready to spend in seconds.
Accepted worldwide
Pay at 100M+ merchants and withdraw cash at ATMs with Classic and Metal.
Low, clear fees
No monthly fee on Virtual and 0% crypto top-up fee on Metal.
Up to 5% cashback
Earn rewards in BTC or USDT on every purchase you make.
Apple Pay & Google Pay
Add your card to your phone and pay with a tap.
Instant freeze
Lock and unlock your card from the app in one tap.
24/7 support
Real people ready to help, in 12 languages.
Multiple cards
Create separate cards for travel or subscriptions.
Real-time spending insights
Track every payment, see where your crypto goes and set smart limits — all live in the app.
Pick the card that fits your lifestyle
From a free virtual card for online shopping to a premium metal card with airport lounge access.
Virtual
Instant card for online payments and mobile wallets.
Issued instantly- 1% cashback in USDT
- Apple Pay & Google Pay
Classic
Physical + virtual card for everyday spending.
- Free worldwide delivery
- 3% cashback in BTC
- $1,000 free ATM / month
Metal
Premium stainless steel card with exclusive perks.
- 5% cashback in BTC
- Airport lounge access
- Dedicated account manager
Full control of your money, right in your pocket
Track spending, swap assets and manage your card from one simple app built for crypto.
- Real-time notifications for every payment
- Freeze and unfreeze your card in one tap
- Swap between 20+ assets at live rates
- Set spending limits and view your PIN securely
Best-in-class security
Your assets are protected at every step. We combine institutional custody with the controls you expect from a modern bank.
Cold storage
95% of funds are held offline in multi-signature cold wallets.
3D Secure payments
Every online purchase is confirmed in the app before it goes through.
Biometric login
Face ID, fingerprint and two-factor authentication protect your account.
Fraud monitoring
Real-time checks on every transaction block suspicious activity instantly.
How to start using QBNC Pay?
Create your free QBNC Pay account
Enter your email address, create a strong password and accept the required terms. It takes less than a minute.
Sign up
Complete a quick KYC check
Upload a valid ID and take a selfie to unlock all features. Verification keeps your account and assets secure.
Complete KYC
Deposit crypto and start spending
Top up with BTC, ETH, USDT or 20+ other assets from any wallet or exchange — your card is ready to use instantly.
Top up balanceFrequently asked questions
You top up your QBNC Pay account with crypto. When you pay, we convert the exact amount to the local currency at the live rate, so merchants receive regular money while you spend your digital assets.
We support 20+ assets including BTC, ETH, USDT, USDC, BNB, SOL, LTC and XRP. New assets are added regularly.
Your virtual card is issued right after identity verification, usually within 10 minutes. Physical cards are delivered in 5–10 business days depending on your country.
The Virtual card is free. Classic is $4.99/month and Metal is $14.99/month. See our cards page for the full comparison.
Yes. The majority of funds are kept in offline cold storage, and our card infrastructure is PCI DSS Level 1 certified. You can freeze your card instantly from the app at any time.
Ready to spend your crypto?
Join over 2 million people using QBNC Pay. Get your free virtual card in minutes.
