Utorg Card

Utorg started life as a fiat-to-crypto on-ramp and has grown into a wallet app with its own card. The Utorg Cryptocard is marketed as a non-custodial crypto card: you hold assets in the app's self-custodial wallet and spend them through a debit card issued on Wirex rails.

The Wirex partnership, announced in April 2026, brought more than card issuance. Utorg gained named EUR and USD IBANs with SEPA Instant and Faster Payments connectivity, real-time crypto-to-fiat conversion at the point of sale with no prefunding, and access to Wirex's acceptance network of more than 80 million merchants across 130-plus countries.

Availability is the main constraint: the card is an EEA product with an explicit country list, plus Ukraine. Utorg does not publish a standing fee schedule — instead it advertises zero fees on payments and cross-fiat conversions "for a limited time", which is a promotional position rather than a permanent one. There is no cashback programme either; the pitch is self-custody plus high limits.

UTORG's Cryptocard is non-custodial and built for the EEA, issued through Wirex's banking-as-a-service platform. Holyheld connects non-custodial wallets to a card issued by Unlimit EU, and Simple uses the same Wirex rails for its wallet card. Compare the licence holders in the crypto cards directory.

What you get

• Non-custodial spending — assets stay in the app's self-custodial wallet, with cards issued through Wirex BaaS.
• Virtual and physical cards with Apple Pay and Google Pay support.
• EUR and USD IBAN accounts in your name, with SEPA Instant and Faster Payments connectivity.
• Instant conversion at the point of sale with no prefunding required, so you do not pre-load a balance.
• €30,000 monthly limit, high for a European crypto card.
• Quick issuance — Utorg advertises getting a card in about five minutes.
• Yield on idle balances available through the Wirex stack, subject to compliance checks.

Two products, one brand

Utorg runs both a consumer app and business infrastructure: it also sells embedded on/off-ramps, wallet architecture and white-label card issuing to other companies. The consumer card described here is the Utorg Cryptocard.

Supported assets

Utorg's app supports a broad crypto list, including BTC, ETH, USDC and USDT alongside SOL, AVAX, NEAR, TRX, DOGE and LTC. The live list inside the app is the authoritative one, since Utorg adds assets continuously.

Fiat support

Named EUR and USD IBANs through the Wirex integration, which is a meaningful step up from a card that only spends a pre-loaded crypto balance.

What Utorg publishes

• Payments and cross-fiat conversions: zero fees "for a limited time", by Utorg's own description a promotional arrangement.
• Monthly fee: none published.
• Card issuance: none published, consistent with zero-fee card issuance.
• Monthly limit: up to €30,000.

Not published

FX markup, ATM withdrawal fees and a standing fee schedule are not itemised on the card page. Because the card runs on Wirex infrastructure, the applicable terms come from that programme — check them in the app before relying on the zero-fee positioning.

Reading the zero-fee claim

"Zero fees for a limited time" is worth taking at face value: it can change. Budget for a normal fee schedule returning rather than assuming free spending indefinitely.