KopiBank card fees and limits

Tables for the three KopiBank cards on sale now: what each operation costs, the limits, and where each card does not work. Anything unclear is marked as unclear.

5 min read · Updated: 2026-10-19

Contents

In short
Summary table
Visa Universe
Mastercard Business
Visa E-commerce
Unclear: check in the app
Rules for all cards
Questions and answers

In short

KopiBank is a Freekonomist partner. Figures are as of 19 Oct 2026, from the KopiBank help center and the service's public tariff. Check the current tariff in the app (Profile, Card rates).

Three virtual US dollar cards are on sale: Visa Universe, Mastercard Business, Visa E-commerce.
All of them: no monthly fee, no per-transaction fee, 10 USDT minimum top-up, no ATM cash, no PIN.
They differ in authorization fees, decline fees, limits, countries and Apple Pay.
Unclear: the issue price, the top-up fee and the size of any currency conversion fee.

Summary table

	Visa Universe	Mastercard Business	Visa E-commerce
Use	Online and in shops	Online and in shops	Online and subscriptions only
Authorization	0.50 USD	0.50 USD	0.10 USD up to 1 USD, then 0
Transaction	0	0	0
Monthly fee	0	0	0
Min top-up	10 USDT	10 USDT	10 USDT
Max top-up per operation	No limit	No limit	1,000,000 USDT
Single purchase	80,000 USD	500,000 USD	20,000 USD
Daily	1,000,000 USD	500,000 USD	No limit
Monthly	1,000,000 USD	500,000 USD	No limit
Apple Pay / Google Pay	Yes / Yes	Yes / Yes	Unclear / Yes
BIN	Singapore	Hong Kong	Singapore
ATM cash	No	No	No

The help center contradicts itself on Visa Universe limits: the fees article says 80,000 / 1,000,000 / 1,000,000 USD, the declines article says 1,000,000 / 3,000,000 / 3,000,000 USD. The table uses the fees article, which matches the tariff.

Visa Universe

The main card for online and in-store spending, with Apple Pay and Google Pay.

What	How much
Authorization	0.50 USD
Declined payment	0.50 USD each (from the declines article; not in the fees article)
Currency conversion	The issuer may charge; amount not stated
KYC	ID and proof of source of funds

The card does not work in about 60 countries and territories, including Russia, Belarus, Ukraine, Turkey, Cyprus, Armenia, Kyrgyzstan, Tajikistan, Moldova and Serbia. The full list is in the help center. Casinos, lotteries, pawn shops, cash disbursement and some other categories are blocked.

Each decline may cost 0.50 USD. With a 0.30 USD balance, one decline puts the card below zero. Keep a buffer.

Mastercard Business

A card for online and in-store payments, including business spending, with Apple Pay and Google Pay.

What	How much
Authorization	0.50 USD
Apple Pay	0.2% (base not specified)
Dispute	35 USD
Decline rate 20–50%	0.70 USD
Decline rate over 50%	1.00 USD
Currency conversion	The issuer may charge; amount not stated
KYC	Passport or ID plus a selfie

The help center does not explain how the decline fee is applied (per decline or per period). The card does not work in Russia, Belarus, Ukraine, Serbia, Lebanon, Venezuela, China or Myanmar. Blocked categories include fuel stations, money transfers, brokers, pharmacies, government services and gambling.

Visa E-commerce

A starter card for online shopping and subscriptions. In-store payments and cash withdrawals are not available.

What	How much
Authorization up to 1.00 USD	0.10 USD
Authorization over 1.00 USD	0
3-D Secure	0.03 USD
Decline rate over 10%	0.80 USD
Currency conversion	The issuer may charge; amount not stated
KYC	Level 1 (basic)

Apple Pay: the help center gives two answers. One article says the card works with Google Pay only, another says it supports Apple Pay too. If you specifically need Apple Pay, ask support before you buy. The card does not work in 22 countries, including Russia, Belarus, Iran, Syria and Venezuela. Gambling, lotteries and fuel stations are blocked.

Unclear: check in the app

Issue price. The tariff lists 29 USD for Visa Universe and 50 USD for the other two (26.10 and 45 with a discount). The help center does not state a price. Check the total on the purchase screen.
Top-up fee. The tariff has a deposit_commission field of 2 and 3.5. Whether that is a percentage or dollars is not stated anywhere.
Conversion. The Visa or Mastercard rate at processing time plus the card network's fee; the issuer may add its own. No amount is given. See conversion fee.
KopiBank's website mentions a 100,000 USD daily limit, while the help center and tariff give higher numbers. Go by the app.

Rules for all cards

Moving money from the card back to the wallet: through support, from 100 USD, 1% fee.
Merchant refunds: up to 45 days. See chargeback.
The 3-D Secure code arrives by email or in the app.
A negative balance or a run of declines can get the card blocked.
At a till abroad, choose the local currency, not USD.

How to top up: KopiBank card top-up. Issue a card: KopiBank.

Questions and answers

Does a KopiBank card have a monthly fee?

According to the help center as of 19 Oct 2026, all three cards have no monthly fee. You pay for authorizations and, on some cards, for declines and 3-D Secure.

Can I withdraw cash with a KopiBank card?

No. All cards on sale are for cashless payments only.

What is the daily limit on a KopiBank card?

Per the help center: Visa Universe 1,000,000 USD, Mastercard Business 500,000 USD, Visa E-commerce no daily limit. KopiBank's own sources disagree here, so check the app.

Does Visa E-commerce work with Apple Pay?

The help center contradicts itself: one article says Google Pay only, another says Apple Pay and Google Pay. Ask support.

Where do I see the current tariff?

In the app: Profile, Information, Card rates. The section updates automatically.