Tangem Pay

Two products, one app

Tangem Pay is worth understanding precisely, because the marketing can blur two things. The Tangem Wallet is a non-custodial hardware wallet: your keys and your assets stay yours. Tangem Pay is a separate Visa card program issued by Rain, a Visa Principal Member, with its own account, its own ID verification and its own balance. You can only spend the money you have loaded onto the card.

The tiers

Basic is a free virtual card with a 1% cashback rate, a $10,000 daily spending limit and up to three cards per user. Plus costs $29.99 a month - waived if you spend $4,500 in a month or hold $65,000 in Yield Mode - and doubles cashback to 2% with a $50,000 daily limit, Visa Signature benefits and two airport lounge visits a year. Prestige is $999 a year, brings 4% cashback, a $100,000 daily limit, Visa Infinite benefits, eight lounge visits and virtual, plastic and metal card formats.

The cashback detail

The headline rates come with caps: $100 a month on Basic, $300 on Plus and $1,000 on Prestige. The more interesting number is the promotional boost, where the first $500 of spend earns 5% on Basic, 10% on Plus and 15% on Prestige - that is marked as coming soon rather than live today. ATM withdrawals cost 4%, 2% and 1% by tier, which is high on Basic.

Who it suits

Tangem Pay makes most sense for people already holding a Tangem wallet who want a spending layer without moving their main holdings. Because the card account is separate and custodial, keep only what you intend to spend on it - the non-custody guarantee applies to your wallet, not to the card balance.

Tangem Pay is a Visa issued by Rain inside the Tangem Wallet app, letting hardware-wallet users top up with stablecoins or from a bank. The Ledger CL Card plays the same role for Ledger hardware wallets, and the Bitget Wallet Card covers software wallets. Compare their fees in the crypto cards directory.

Funding

• Top up with stablecoins or directly from a bank account.
• ACH top-ups are free on Plus; Basic pays $1 per ACH transfer and $10 per FedWire.
• Funds are spendable at Visa merchants in over 150 countries.

Card tiers

• Basic: free virtual card, 3 cards per user, $10,000 daily limit, 1% cashback, Visa Platinum.
• Plus: $29.99 per month, 5 cards per user, $50,000 daily limit, 2% cashback, Visa Signature, two lounge visits a year.
• Prestige: $999 per year, 10 cards per user, $100,000 daily limit, 4% cashback, Visa Infinite, eight lounge visits and virtual, plastic or metal formats.

Protection and perks

• Extended warranty, price protection and purchase protection on Plus and Prestige.
• Auto rental insurance on Plus and Prestige; baggage delay and loss insurance on Prestige.
• Visa Luxury Hotels programme on Plus and Prestige.

Wallet separation

• Your main assets stay in the non-custodial Tangem Wallet.
• Tangem Pay is a separate card program issued by Rain; only the loaded balance can be spent.

Funding assets

The card is loaded with stablecoins or fiat from a bank account. Stablecoins are the natural fit because the card balance is denominated in dollars and a stablecoin top-up avoids a conversion step at an unknown rate.

Where your coins live

This is the key distinction: your bitcoin, ether and other holdings stay in the non-custodial Tangem Wallet, and only the amount you deliberately load onto the card sits with the card issuer, Rain. You are not spending directly from your hardware wallet balance - you are spending from a separate prepaid card account that you fund.

Practical approach

Load what you plan to spend in the near term, keep the rest in self-custody, and use the tier structure deliberately: if you spend more than $4,500 a month, Plus waives its own fee and pays 2%, which is a materially better rate than Basic's 1% before you consider the lounge access and insurance.

Card pricing

• Basic: free virtual card, no monthly fee
• Plus: $29.99 per month, waived with $4,500 of monthly spending or $65,000 held in Yield Mode
• Prestige: $999 per year, charged as a single annual payment

Ongoing costs

• ATM withdrawals: 4% on Basic, 2% on Plus, 1% on Prestige
• Bank top-ups: $1 per ACH transfer and $10 per FedWire on Basic; free ACH on Plus
• Cashback caps: $100 per month on Basic, $300 on Plus, $1,000 on Prestige
• Plus is free once you exceed $4,500 of monthly spend or hold $65,000 in Yield Mode, which changes the effective cost considerably for heavy spenders

Not published

Tangem's page does not publish FX conversion spreads or a top-up fee for crypto funding beyond the ACH and FedWire charges. The full tariff document is linked from the card page and is the place to confirm conversion costs before relying on the card abroad.