Fundly
Crypto-native banking

Spend cryptoanywhere. Noborders. No wait.

A card funded straight from your wallet, an IBAN account when you need one, and support for 10+ chains. Built for freelancers, nomads and the little guy.

Get your cardHow deposits work

Works with the chains and wallets you already use

Ethereum
Base
Arbitrum
Polygon
Solana
Tron
Bitcoin
BNB Chain
Optimism
Avalanche
Lightning
TON

The card is only the beginning.

Everything you need to move money across borders, without the paperwork and the waiting.

Balance
$1,234,320
Fundly
Cardholder
Alex Rivera

The card is just the start.

A virtual card in minutes, a physical card in the post. Apple Pay and Google Pay on day one.

Learn more
Deposit USDTConfirmed
+ 500.00 USDT
NetworkTron (TRC-20)
Network fee1.0 USDT
Credited497.50 USD
TX 0x8f3a…c21e · 12 confirmations

Deposit from any chain

Send USDT, USDC, ETH, SOL or BTC from the wallet you already use. Credited in minutes, not days.

Learn more
Personal account
€3,180.55
IBAN
LT12 3456 7890 1234 5678
VerifiedSEPA instant enabled

A real IBAN account

Verify your ID once and get a personal account with an IBAN for salary, rent and transfers.

Learn more
Card controls
  • Freeze card
  • Online payments
  • ATM withdrawals
  • Monthly cap $2,000

Limits you control

Freeze in one tap, set spend caps per card, and see every transaction the second it clears.

Learn more

Deposit from any chain. Spend in any country.

Fundly turns the crypto you already hold into money you can actually spend. Top up from 10+ networks, hold 10 currencies, and pay anywhere the card is accepted.

  • Accepted at 100M+ merchants worldwide.
  • Fund from EVM chains, Solana, Tron, Bitcoin and Lightning.
  • Hold USDT, USDC, ETH, BTC, SOL and more in one place.
10+
Chains and networks you can deposit from
10
Currencies and assets you can hold and spend
<5 min
Typical time from deposit to card credit
150+
Countries where the card is accepted
Paired with smart tools

Do all your money stuff in just a few taps.

A card in minutes, not weeks.

Sign up with an email, top up from your wallet, and start spending. Add it to Apple Pay or Google Pay the same afternoon.

  • ✓Virtual and physical
  • ✓Apple and Google Pay
  • ✓Freeze in one tap
Learn more
Transaction details
×
-$45.00
Fundly Card •• 1038
Blue Bottle Coffee
Apple Pay · Oakland
Payment method
Virtual card (USDC balance)
Date and time
Sep 11, 2026 at 09:12

One account for your whole financial life

Start with a card. Add an IBAN when you need one. Savings and investments are on the roadmap.

Get started
  • Freelancers
  • Remote workers
  • Digital nomads
  • Crypto natives
  • The underbanked
Virtual cardsPhysical cardsApple PayGoogle PayUSDT depositsUSDC depositsIBAN accountSEPA transfersVirtual cardsPhysical cardsApple PayGoogle PayUSDT depositsUSDC depositsIBAN accountSEPA transfers
Card linkingSpend limitsInstant freezeMulti-currencyReferral rewardsSavings (soon)Investments (soon)Business (soon)Card linkingSpend limitsInstant freezeMulti-currencyReferral rewardsSavings (soon)Investments (soon)Business (soon)

Support that actually answers.

Humans in the loop, 24/7, in your timezone.

  • ?Ask anything about deposits or limits
  • ?Get a stuck transaction traced
  • ?Talk to a person, not a bot
Fundly support
● Online
My USDT deposit hasn't shown up?
I can see it on Tron with 8 confirmations. It will land in about 40 seconds.
• • •
Say something ☺

All you need to spend with total confidence.

Start free. Upgrade when it pays for itself.

Fundly

Free

A virtual card and crypto deposits. Everything you need to start spending.

Free
Get started
  • Virtual card
  • Deposits on 10+ chains
  • 1% deposit fee
  • Standard limits
Popular
Fundly

Plus

For people who use Fundly every day and want better rates and a physical card.

$84/year
Get started
  • Everything in Free
  • Physical card
  • 0.5% deposit fee
  • Higher limits
  • 1% cashback
  • Priority support
Fundly

Premium

IBAN account, the lowest rates and the highest limits we offer.

$180/year
Get started
  • Everything in Plus
  • IBAN account
  • 0% deposit fee
  • 2% cashback
  • Metal card
  • Dedicated support

Fundly vs the off-ramp

Illustrative value left to spend from $1,000 of USDT after fees and spreads.

Fundly
$990
Exchange + bank
$972
P2P + card
$959
OTC desk
$945
Crypto ATM
$908

Figures are illustrative examples for a $1,000 top-up and will vary by provider, network and region.

A virtual card in under a minute.

No paperwork for the instant card. Deposit crypto, get a card, add it to your phone, go.

Get your card

Fundly insights

Moving money around, keeping up with product news, and figuring out how to grow.

How we price FX and why we show the rate before you tap

Foreign exchange is where card companies quietly make their money, so here is exactly how ours works, with the numbers.

Product

Base vs Arbitrum vs Tron for sending stablecoins: fees and timing

We sent the same stablecoin deposit across the three most popular chains for a month and wrote down what it cost and how long it took.

Guide

Where your money sits when you deposit to Fundly

A plain explanation of what happens to your crypto after it arrives, who holds the resulting balance, and what protects it.

Company
View all

Fundly helps people in 100+ countries spend the money they already have.

Get your card

Borderless moneystarts here.

Fundly runs in your browser from day one. Sign in from any device, manage cards and deposits, and move money without installing anything. Native apps are on the way.

Open the web appComing soonApp StoreComing soonGoogle Play
Easy sign up | No credit check | No monthly fees on Free
Total balance
$4,200.30
Web app
  • USDC deposit+ 1,250.00
  • Blue Bottle Coffee- 45.00
  • Rent transfer- 1,100.00
Fundly
Works in any browser, on desktop and phone.