Fundly
Instant card

Spend in minutes. Limits apply.

A light sign-up gets you a virtual card today. Email, phone, a country check and a device check, then you are in. Instant cards have monthly limits set by our issuing partner and regulators. That is what lets us offer them without full verification.

Get an Instant cardSee all cards
How it works

From sign-up to first payment

Most people finish this on their phone in one sitting.

  1. 01

    Sign up with email and phone

    We send a code to each. No password at this step, no paperwork.

  2. 02

    Pass the quick checks

    Tell us your country of residence. We run sanctions and country screening and a device check in the background. Some countries are not supported yet.

  3. 03

    Get your virtual card

    Your card appears with its limits written plainly on screen. Add it to Apple Pay or Google Pay if available in your country.

    Balance
    $4,200.30
    Fundly
    Cardholder
    Alex Rivera
  4. 04

    Deposit and spend

    Send USDT, USDC or another supported asset from your wallet. It converts at the rate shown and lands on your balance in minutes.

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

Instant card limits

These are the proposed limits for the Instant tier. Our issuing partner sets the final figures and we show them in your dashboard before you accept the card.

FeeInstant cardAfter verification
Monthly load limit
Total deposits per calendar month
Approx. 1,000 to 2,500 EURUp to 50,000 EUR, more by review
Single transaction
Approx. 500 EURCard-scheme limits
Card type
VirtualVirtual and physical
ATM withdrawals
Not availableAvailable, fees by plan
EUR IBAN account
Not availableIncluded
Deposit fee
Same on both tiers, by plan
1% on Free, 0.5% Plus, 0% Premium1% on Free, 0.5% Plus, 0% Premium
FX fee on card spend
1.5% Free, 0.5% Plus, 0% Premium1.5% Free, 0.5% Plus, 0% Premium

Limits in EUR equivalent. Verification takes about four minutes for most people and unlocks the right-hand column.

Why limits, and why we like them

The Instant card exists because regulators allow simplified checks for low-value spending. The limits are the deal. We would rather be honest about them than hide a surprise decline behind a big promise.

  • ✓
    What we check
    Email, phone, country of residence, sanctions lists and your device. Nothing more for the Instant tier.
  • ✓
    What we do not do
    We do not sell anonymity. Every card is tied to a real person we can contact, and every deposit is screened.
  • ✓
    When to verify
    When you hit a limit, want a physical card, want an IBAN or simply want more room. It takes about four minutes.
Read our AML and KYC summary

Instant card questions

Important information

Instant cards are subject to transaction and monthly limits and to screening. Identity verification is required for higher limits, physical cards and account services. Cards are issued by [ISSUER NAME] pursuant to a licence from [CARD NETWORK]. Fundly is not a bank. Fundly services are not available in all countries; see the list of supported countries. This page is for information only and does not constitute financial, legal or tax advice. LEGAL REVIEW: this page and the linked AML and KYC summary must be approved by counsel before publication.

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