Send Card

What is the Send Card?

Send Card is a virtual Visa issued to users of Send, the passkey-based money app from Send, Inc. It is a USD card: you load dollars from your Send balance onto the card, then spend them online or through Apple Pay and Google Wallet. Send states plainly that there is no physical card at launch — the card is a number, expiry and CVV inside the app.

The fee structure is unusually thin. There is no fee to get the card, no annual fee and no monthly fee, and USD purchases carry no conversion cost at all. What remains is a foreign exchange fee when you buy in another currency: 1% on EUR and GBP, and 2–3% on most others, built into the amount charged rather than billed separately.

How the Send Card works

The card is prefunded, which is the single most important thing to understand before ordering it. Money has to be moved from your Send balance onto the card, and spending draws only from that loaded amount — not from the wider wallet. The app shows both balances separately, so a declined payment normally means the card balance is empty rather than the Send balance.

Card balances are ring-fenced from the rest of your funds by design: money you have not loaded onto the card cannot be touched by card transactions.

Getting the card

You open the Card tab, request the card and complete identity verification — full legal name, date of birth, address, phone number and a photo of a government-issued ID, submitted in one session because progress is not saved. KYC is required by the card issuer and is separate from the Send account, which itself needs no documents. Once approved, the card details appear in the app immediately.

Custody: a self-custody app with a custodial card balance

Send describes itself as a non-custodial wallet: Send, Inc. does not custody or control user funds, and the account is an onchain account on the Base network secured by passkeys rather than a seed phrase. The card is a different matter — funds loaded onto it sit with the card issuer until they are spent. That split is worth understanding: the wallet is yours, the loaded card balance is not, so it pays to load only what you plan to spend. If self-custody is the priority, the crypto wallets directory covers the wallets built around exactly that.

Where the Send Card works

Coverage is one of the card’s strengths. Send publishes a long country list spanning Europe, the Americas, Asia-Pacific, the Middle East and Central Asia, and Africa — including the UK, the US, most of the EU, Norway, Australia, Singapore, Japan, the UAE, Brazil, Mexico, Nigeria, Kenya and South Africa. Availability is set by the card partner’s licences, so it is a country-by-country matter rather than a global switch.

Two caveats. The country on your profile is permanent — register from an unsupported country and you will complete verification for a card that is never issued, with no way to undo it. And even inside supported countries some payments are blocked: merchants based in sanctioned countries, transactions in a handful of currencies (Russian and Belarusian rubles, Saudi riyal, Bahraini dinar, Pakistani rupee, Bangladeshi taka), and certain merchant categories including gambling, dating services, and pharmaceutical and chemical wholesalers.

Managing the card

You can hold one active card at a time. Locking is instant and reversible, which is the fastest way to stop spending if your details are exposed. Reissuing replaces a lost or compromised card with a new number while the loaded balance carries over, and is capped at three per account. Full card closure is not available yet — locking is the mechanism Send offers instead.

Who it suits

The Send Card fits people already using Send for fee-free transfers who want to spend from the same balance: no card fees, no conversion cost on USD purchases, and tap-to-pay through Apple Pay or Google Wallet. It suits frequent travellers less than a no-FX card would, since non-USD spending carries 1–3%, and it is not for anyone who needs ATM cash or a physical card. Compare it against the rest of the crypto cards directory, where virtual-first alternatives such as RedotPay publish their own fee schedules.

Send Card features

• Virtual Visa issued in-app — card number, expiry and CVV appear as soon as verification is approved.
• No card fees — nothing to pay for the card, no annual fee and no monthly fee.
• No FX fee on USD purchases — anything billed in dollars is charged at exactly the amount you spent.
• Apple Pay and Google Wallet — add the card to tap to pay in person, or use the details online.
• Prefunded spending — load only what you plan to spend, keeping the rest of your balance out of reach of card transactions.
• Real-time transaction alerts — a notification on every payment.
• Instant lock — freeze the card from the app, reversibly, when something looks wrong.
• Reissue with balance carried over — a fresh number for a lost or compromised card, with your loaded balance moved across.
• Passkey security on the account — face, fingerprint or device passcode, no password and no seed phrase, with up to 20 passkeys.
• Fee-free transfers inside Send — Send charges nothing to send or receive money in Send and covers the network fees on those transfers.
• Wide country coverage — card issuing across Europe, the Americas, Asia-Pacific, the Middle East and Central Asia, and Africa.

What the card does not include

• No physical card at launch
• No cashback programme
• No ATM withdrawals — virtual card only
• No full card closure yet, locking is the alternative

Companion app features

Send is more than the card: Sendtags replace wallet addresses with names like /maya (up to five per account, priced by length), Send Link pays people who are not on Send yet, savings goals pay a variable yield with no minimum balance or lock-up, and the account sits on Base with passkey signing.

Supported cryptocurrencies

The Send Card is a USD card, not a crypto-settled one. You load dollars onto it from your Send balance, and Send’s own rails run on USDC on the Base network — that is the asset behind the balances you hold and transfer. There is no per-card asset list to choose from and no crypto-to-fiat conversion at the point of sale; conversion happens once, when the card is funded.

Funding the card

• Send balance — the card is prefunded by moving money across from your main balance in the app.
• USDC on Base — Send describes instant global transfers in USDC, and the account is an onchain account on Base.
• External wallets and Coinbase — deposits come from a wallet on the Base network or a transfer from your Coinbase account.

Currency conversion

Because the card is denominated in USD, the only conversion that reaches it is currency rather than crypto: purchases in euros, pounds or other currencies are converted at Visa’s rate with the FX fee included. Spending in USD avoids conversion altogether.

Savings and rewards

Send’s Savings feature pays a variable yield on balances with no minimum balance and no lock-up. Send states the rate moves with the market rather than with how much you spend, and that it is not bank interest and not FDIC insured. There is no cashback tied to card spending.

Send Card fees

Send’s published fee schedule for the card is short. The card costs nothing to obtain and nothing to hold; the only charge is currency conversion, and only when you spend in a currency other than USD.

Card costs

Foreign exchange fees

Conversions use Visa’s exchange rate with the fee already included, so it appears in the total amount charged rather than as a separate line. A €20 purchase, for example, converts to dollars with 1% built into the amount that leaves the card, and refunds convert the same way. Because the fee is embedded in the rate, comparing the charged amount with Visa’s published rate is the way to see it.

Cost example

Loading $500 and spending it all in USD costs nothing beyond the card itself. The same $500 spent in euros costs about $5 in FX. Spend it in a 2–3% currency and the conversion cost rises to roughly $10–$15 — which is where a no-FX card would beat this one.

Not published

• Card spending limits and per-transaction caps
• Minimum and maximum top-up amounts
• Any fee for card reissues (a cap of three per account applies)
• Physical card pricing — there is no physical card at launch

Send directs card terms to the card partner’s documents inside the app, so confirm the current schedule there before loading funds.