RedotPay

The default membership tier is Standard. New users are eligible for a $5 reward if they activate their card within 30 days of signing up. A virtual card costs $10 to activate, while a physical card costs $100. By comparison, some competing crypto cards offer free virtual or physical cards.

Alongside the activation cost, the Standard RedotPay card does not offer any percentage-based cashback. Instead, new users receive 200 points when they sign up, which can be used as entries into a prize draw, with 1 point corresponding to 1 ticket. Points can also be earned through spending, with 2 points awarded for every $1 spent.

Prize examples include:

• Apple iPhone 17 Pro Max 512GB
• Apple MacBook Air M5 13-inch 512GB
• Sony PlayStation 5 Pro
• Nintendo Switch OLED
• Apple AirPods Pro 3
• $50 and $100 Amazon gift cards

The other membership plan available is RedotPay Pro, which costs $12.90 per month or $129 annually. The plan includes a free virtual card and 3% cashback on eligible Apple Pay and Google Pay spending, paid in USD. Cashback applies only to the first $600 of eligible monthly spend. The effective cashback rate can be lower on foreign-currency spending once FX fees are taken into account.

To identify the real fees behind the RedotPay card, we tested it in-store and compared the exchange rate with the Google exchange rate at the exact time of the transaction.

After completing a transaction at 17:32 on 2 July 2026, the market exchange rate was approximately $1 = 3.74 PLN, while the effective rate applied to our transaction was around $1 = 3.66 PLN. This resulted in an effective markup of approximately 2.2–2.3%.

This total broadly corresponds with the two fees RedotPay lists for transactions involving both a foreign currency and crypto conversion. The table below covers both these fees alongside ATM withdrawal fees.

You can fund your RedotPay account using either crypto or fiat.

For crypto, users can deposit assets on-chain across multiple networks, including EVM-compatible networks such as BNB Chain and Tron, alongside Solana and XRP Ledger. RedotPay supports assets including BTC, ETH, BNB, SOL, S, SUI, TRX, XRP, USDT and USDC. Supported networks vary by asset, so RedotPay recommends checking the app for the latest availability before making a deposit.

Crypto can also be purchased directly through RedotPay using supported fiat payment methods. RedotPay integrates Paybis as a fiat-to-crypto on-ramp, allowing users to purchase crypto within the platform using supported payment methods. Paybis facilitates cards, Apple Pay, Google Pay, Revolut Pay, Skrill and Neteller, although the methods available through RedotPay can vary by region and are not all explicitly attributed to Paybis in RedotPay's documentation.

For fiat funding, RedotPay offers personal funding accounts in USD, EUR and GBP. Deposits can be made through supported bank-transfer rails, including SEPA for EUR and Faster Payments for GBP, while USD accounts provide account and SWIFT/BIC details. Funding options are location-dependent and the available rails are displayed within the app.

The app showed a $5 opening fee during our testing, while RedotPay’s documentation lists a $6 setup fee when the account balance is below the equivalent of $100. Once funded, fiat balances can be spent with the card, transferred, withdrawn or swapped into cryptocurrencies such as USDC or USDT.

Regarding off-ramping, RedotPay supports crypto-to-fiat international transfers to bank accounts and e-wallets in supported markets. Known payout partners include Circle, through the Circle Payments Network, which RedotPay initially integrated for crypto-to-BRL bank payouts in Brazil, and Ripple Payments, which has been integrated for crypto-to-NGN payouts in Nigeria.

This reflects one of RedotPay's stronger use cases: moving between stablecoins and local financial systems in markets where cross-border payments and remittances are widely used. Its expansion into BRL, MXN and NGN payouts gives users a relatively direct route from crypto into local bank accounts, while P2P and other funding methods provide additional ways to move money into the platform. This makes RedotPay particularly relevant in parts of Latin America, Africa and other emerging markets, where stablecoins are commonly used for international payments and remittances.

RedotPay uses Sumsub for know your customer (KYC) verification. In our testing, the process took around 10 minutes and required a full legal name, date of birth, residential address, government-issued ID and facial video verification.

Once the card was activated, we were able to add it to Google Pay with a single tap. Customer support responded to our enquiries in under five minutes. Overall, the onboarding process was straightforward during our testing.

Earn

RedotPay Earn allows users to deposit USDC or USDT and earn a variable return. There are no lock-up periods, while rewards accrue daily based on the applicable interest rate.

The minimum amount required to deposit into RedotPay Earn is 100 USDC or 100 USDT. RedotPay displays the current 7-day APY in the app. Pro users also receive an additional 1% APY.

One of the more distinctive features is the ability to spend funds held in Earn using the RedotPay card. When making a purchase, unconfirmed funds are used first, followed by confirmed Earn funds. Earn availability is region-dependent. During our testing, the feature was unavailable in Poland, with availability also restricted in several other European countries.

Spend Credit

RedotPay Spend Credit allows users to borrow against crypto held in their account while keeping the underlying assets invested. The available credit limit depends on the value of the user's eligible assets, with RedotPay advertising daily interest rates starting from 0.05%.

There is no fixed repayment date, although interest continues to accrue on the outstanding balance until it is repaid. RedotPay measures borrowing risk using a risk index, calculated by dividing the total amount owed by the value of the pledged collateral. A risk index of 0.60 therefore corresponds to a 60% loan-to-value (LTV) ratio.

Users can enable Auto-Collateral, which automatically pledges additional eligible assets when needed to reduce the risk index. RedotPay considers an index below 0.60 safe, while a ratio of 0.80–0.90 triggers a margin call and 0.90 or above can result in liquidation.

Crypto-Backed Loans

RedotPay also offers Crypto-Backed Loans, allowing users to borrow stablecoins against BTC or ETH collateral. Loans can be accessed relatively quickly and repaid at any time. The listed annualised interest rate is 18% for both USDT and USDC loans.

Wallet, Transfers and Swaps

RedotPay also functions as a custodial crypto wallet. Users can hold and swap supported cryptocurrencies, purchase crypto, send assets to other RedotPay users and make transfers externally. The platform supports international crypto-to-fiat transfers in selected markets, allowing users to send crypto while the recipient receives local currency through a supported bank account or e-wallet.

Referral Programme

RedotPay operates a tiered referral programme that rewards users for referring new customers. Direct referral rewards are based on card activation fees and ongoing card transaction volume. Users can also earn a secondary referral commission when someone they originally referred goes on to refer someone else.

Card Order Commissions for Direct and Secondary Referrals

Transaction Commissions for Direct and Secondary Referrals

No minimum referral spend is stated for the card-order commission, although the referred user must register through your code, complete identity verification and pay for an eligible virtual or physical card. Orders using a discount of 50% or more do not qualify.

The latest referral tier qualification ranges can be found in RedotPay’s referral programme documentation.

Card and Feature Availability

RedotPay card and feature availability varies by jurisdiction. Both virtual and physical RedotPay cards are unavailable in 47 jurisdictions, 41 of which are also listed as unsupported for RedotPay services more broadly.

Card issuance restrictions are separate from RedotPay's general service restrictions and physical-card delivery availability. As a result, being able to open a RedotPay account does not necessarily mean that a user can order a card or access every feature.

Individual features also have their own regional availability requirements. Earn, Credit, Crypto-Backed Loans, fiat accounts and transfers may be available only in certain markets, and RedotPay does not publish complete country lists for every feature.

RedotPay is likely to be a better fit for users who regularly move money between crypto and local currencies, particularly in markets where cross-border transfers and remittances are an important use case. Its support for local payout rails in countries such as Brazil, Mexico and Nigeria gives it an advantage for users who want to receive, convert or send stablecoins without relying entirely on traditional banking infrastructure.

For users in the US and much of Europe, the card itself is less compelling. Card availability is more restricted, while foreign-currency and crypto conversion fees can reduce the value of everyday spending. The Standard plan also offers no percentage-based cashback, and several features are unavailable in some European markets.

RedotPay is stronger as a bridge between stablecoins and local payment systems than as a standalone rewards card. Users who already receive income in crypto or use stablecoins for cross-border payments may get more value from the wider account and transfer infrastructure. If the main priority is low-cost everyday card spending or cashback, there are generally more competitive options in the US and Europe.

How to Sign Up

1. Create a RedotPay account through the RedotPay app or website.
2. Complete KYC verification by providing your personal details, government-issued ID and facial verification.
3. Fund your account using supported crypto or fiat payment methods.
4. Activate a virtual card for $10, or order a physical card for $100.
5. Add the card to Apple Pay or Google Pay if supported in your region and start spending.