Karta

Karta’s current main pricing page lists ATM withdrawals at 1 USDT plus 1.5%. An older first-party fee article and the DI testing notes showed 1 USDT plus 2.5%, so users should confirm the current rate in the app before withdrawing cash.

Karta’s legal terms permit a non-USD FX fee of up to 3% and a separate cross-border fee of up to 3%. These legal maximums take precedence over older promotional material referring to a standard 1% international fee.

During testing, a PLN 3.20 purchase resulted in a charge of 0.88 USDT. Based on the exchange rate at the time, the total difference was approximately 4.54%. This may have included Karta’s card-payment fee and currency-conversion costs, so it should not be treated as a standalone FX spread.

Karta does not pay cashback directly on the cardholder’s everyday purchases and does not operate a conventional card-tier system.

Instead, its referral program rewards users in KARAT:

• 1 KARAT is valued at 0.01 USDT
• A qualifying friend who activates a Karta card can generate a 500-KARAT reward, equivalent to $5
• Referrers can earn rewards equal to 25% of the KARAT cashback generated from their referred users’ spending

KARAT rewards can be converted to the user’s USDT balance. Referral conditions and reward rates can change, so the current terms should be checked in the app.

Karta supports USDT and USDC deposits on:

• Tron
• Ethereum
• BNB Smart Chain
• Polygon
• Arbitrum
• Optimism
• Base
• Solana

Karta’s main pricing page describes crypto top-ups as free. A more detailed Karta fee article lists a 5.90-USDT charge for TRC-20 deposits while showing supported deposits on the other listed networks as free. Users should review the quoted fee before confirming a Tron deposit.

Eligible users may also receive funds through:

• ACH
• Domestic wire
• SWIFT
• SEPA
• PIX
• COP bank transfers
• SPEI

Available fiat rails depend on the user’s country and account eligibility. Karta states that bank withdrawals are still being introduced, although external crypto withdrawals are available for the applicable network fee.

Karta provides a self-custody wallet in which users retain control of their crypto. Card security features include 3D Secure, encrypted transactions, PIN protection, and the ability to manage the card through the app.

The platform also includes Karta AI, which provides financial insights, transaction automation, and in-app assistance.

Karta advertises card acceptance in more than 200 countries and territories where Visa is supported, subject to local regulations and partner coverage.

1. Open Karta through its official website or Telegram app.
2. Create an account and complete Sumsub identity verification.
3. Provide the required personal information, government-issued ID, and facial verification.
4. Add USDT or USDC through a supported blockchain or use an available fiat rail.
5. Pay the 5-USDT issuance fee for the virtual Visa or select an available physical card.
6. Activate the card and add it to Apple Pay or Google Pay where supported.

Karta says verification generally takes up to five minutes, although some applications may require additional review.