Takenos Card

What the Takenos Card is

Takenos is a digital dollar wallet connecting Latin American users to global income, and it issues two cards. The TakeCard is the international card, issued in the United States and used for payments abroad, online subscriptions and services that reject local cards. The SpicyCard is a local Mastercard for everyday spending in Argentine pesos.

The numbers

Activating the virtual TakeCard costs $5 USD. The physical TakeCard, available in Bolivia, costs $20 for issuance plus $20 for shipping. Purchases carry a 1% commission. USD payments convert 1:1 with no currency adjustment, while payments in other currencies use the official Visa rate on the transaction date. ATM withdrawals with the physical card cost 1% from Takenos plus roughly $5 charged by the machine itself.

Limits and costs

There is no fixed spending cap — you can spend whatever balance you hold — and the only constraint is a weekly limit that defaults to $5,000 and can be adjusted in the app under Cards, Settings, Limits and restrictions. Account opening and maintenance are free, which keeps the fixed costs at zero for users who spend little.

What sits around the card

You can receive payments from clients, platforms and companies worldwide, hold digital dollars with yield, invest in themed baskets covering tech, US large caps or gold from $1, pay by QR in Argentina and by PIX in Brazil, and cash out in local currency. The platform also runs TAKOS, its loyalty programme.

Takenos gives Argentine and Bolivian users both a US-issued international card and a local peso card, a pairing few competitors offer in one package. Belo's LUX card is the fully virtual alternative, and Meru bundles US and European accounts. See the crypto cards directory for the regional options.

Cards

• TakeCard international: virtual and physical, issued in the United States for global payments.
• SpicyCard: local Mastercard for payments in Argentine pesos.
• Add cards to Apple Pay, Google Pay and PayPal.
• Pause the card from the app, and report or replace it if lost or stolen.

Receiving and sending

• Receive payments from clients, platforms and companies anywhere in the world.
• Send money internationally with competitive rates.
• QR payments in Argentina and PIX in Brazil.

Balance and yield

• Hold digital dollars to protect against inflation.
• Earn yield on your balance, tracked daily in the app.
• Invest in three themed packages — technology, top US companies, or gold backed by physical bullion — starting from $1.

Savings on international spend

• Takenos advertises savings of up to 30% on international payments compared with alternatives, driven by avoiding local taxes on foreign card use.

Digital dollars, not coin lists

Takenos is built around digital dollars rather than a broad crypto portfolio. The wallet holds dollar-denominated balances that fund the TakeCard, and the product's pitch is inflation protection for Argentine and Bolivian users rather than trading.

Investment products

Alongside the dollar balance, Takenos offers three themed investment baskets: the 100 largest technology companies, the 500 largest US companies, and gold backed by physical bullion in vaults. Investing starts from $1, and Takenos states the content is informational rather than a recommendation.

Yield on balances

Balances can generate daily returns, which Takenos tracks in the app. Yield rates of this kind are variable and depend on the underlying strategies, so they should not be treated as a fixed rate.

Account costs

• Account opening: free
• Account maintenance: free
• Card maintenance: none

Card costs

• Virtual TakeCard activation: $5 USD
• Physical TakeCard (Bolivia): $20 issuance plus $20 shipping
• Purchase commission: 1%
• USD payments: convert 1:1, with no FX adjustment
• Payments in other currencies: official Visa exchange rate on the transaction date
• ATM withdrawal (physical card only): 1% Takenos fee plus about $5 from the ATM

Limits

• No fixed spending cap — spend up to your available balance
• Default weekly limit of $5,000, adjustable in the app
• Transactions are automatically rejected if your balance does not cover them

Cost profile

For a user who spends a few hundred dollars a month internationally, the total cost is the one-time $5 activation plus 1% per purchase — cheap compared with a local card loaded with foreign-transaction taxes. The physical card's $40 combined cost in Bolivia only pays off with regular ATM or in-person use.