Tonhub Card: A Non-Custodial Visa Debit That Spends Straight From Your Crypto Wallet

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Tonhub card is a Visa Debit that draws payments from a crypto balance sitting in your own wallet. Tonhub pre-funds the merchant, then debits the linked balance once the network and the seller have confirmed the transaction. If your balance is empty, the payment is declined; the card cannot overdraw. In practice, this is a self-custody card aimed at people who already hold TON or USDC, live in the EU and want to spend those balances at a card terminal without first converting to euros at an exchange.

The Tonhub name shows up alongside another brand, “Holders,” on the company’s public pages, and the help centre sits at help.holders.io. The card itself is virtual only and is unlocked after identity verification. Beyond that, the public material is thin: the operator and the card-issuing bank are not named, no fee table is published, and the everyday costs are largely left to third-party articles and a single user review on Trustpilot.

Conditions are current as of October 28, 2026.

Verdict

Tonhub scores 5.3 out of 10. It is an interesting idea, a Visa Debit that spends from your own non-custodial wallet, and the smart contracts have been audited by Trail of Bits. But the public pages do not name the issuer, the operator, the fees, the limits or the dispute timelines. The single Trustpilot review, posted in February 2026, describes the experience of waiting to file a chargeback dispute, a dispute that was won but with money not yet returned, and a second round of AML video-call identity checks on top of a completed verification. That kind of gap between marketing and documentation is hard to ignore.

Who it suits: EU residents aged 18 and over who already hold TON or USDC, value self-custody, and are comfortable paying fees that are not officially disclosed but are reportedly around 1.5% per transaction (unofficial). Who it does not suit: anyone outside the EU, anyone who needs a physical card, anyone who wants published fees, chargeback time frames and an issuer name before they start, and anyone whose primary spending currency is anything other than TON or USDC.

Score breakdown

Will They Give You the Card

Tonhub states two conditions for the card, and only two: you must be at least 18 years old, and you must live in the European Union. The page also mentions “25+ countries” as a usage statistic, which is easy to read as an eligibility list but is presented as a description of where existing users happen to be. Citizenship, by contrast, is not addressed, and no public list of accepted identity documents or proof of address has been published.

For the EU reader this is workable. If you are 18 or older, hold a valid ID, and can show an address in an EU member state, you should be able to complete the verification step. If you are an EU citizen living outside the EU, or a non-EU citizen living in the EU, the page is silent. The verification step itself runs in-app, but how long it takes, what documents are accepted and what triggers a rejection are not stated on the public pages, and the “Fees & Conditions” section exists but contains no captured amounts.

What the public material does tell you is that the card is virtual only. There is no mention of a physical card, no shipping countries, no shipping times, no shipping cost. If you want a piece of plastic to tap at a café, this is not that product. A non-EU resident, anyone under 18, and anyone who needs a physical card can stop reading here; the rest of the review will not change that.

How to Get It

The sign-up flow runs through the Tonhub app and has three practical steps: install the app, add a wallet, and tap the Tonhub Card banner. From there, you go through identity verification before a virtual card is issued.

The verification step is the load-bearing part. The page calls it “Verify Your Identity” and states that it is required before the card, but does not list the documents it asks for, how long it takes, or what happens if it is rejected. One Trustpilot reviewer (see Risks below) describes a second, video-call identity check after their initial verification had already gone through, which suggests the process is not always one-and-done and can repeat itself for AML reasons. For most users the realistic expectation is that the first card arrives in the app once the first verification clears; for some, additional checks will be requested and the timeline stretches.

The card you receive is a Visa Debit, virtual only, and it shows up in the app after verification. Its billing currency, the bank that issued it, and the operator entity that runs the programme are not named on the public page. Smart contracts are described as audited by Trail of Bits, which is a meaningful signal, but it covers the on-chain side, not the bank that sits behind the Visa BIN.

What It Really Costs

This is the section the public material is most coy about. The Tonhub pages have a “Fees & Conditions” section, but the values are not published. What is known comes from two unofficial sources: Forklog’s November 2024 report on the card’s launch puts the transaction fee at 1.5%, and a company profile on dealroom repeats the same figure. None of this is confirmed by the card itself.

Here is what can be put together from the public material and the unofficial sources, side by side.

Fee and limit table

The “custom on-chain spending limits” line is worth pausing on. It means you, not Tonhub, decide how much the card is allowed to move per day or per month, enforced at the smart-contract level. That is a real control and it is a genuine difference from most custodial crypto cards, but it also means there is no fixed daily or monthly cap published anywhere; the cap is whatever you set. If you want a hard ceiling before you start, the page will not give you one.

What that means for a few everyday payments

Take a €20 coffee. A 1.5% transaction fee on the unofficial figure is €0.30, paid on top of the price of the coffee. There is no published foreign-exchange fee, so if you pay in euros and your balance is denominated in a euro-pegged token, the conversion cost is whatever spread the merchant’s acquirer charges, plus any spread the on-chain conversion adds. None of that is documented.

Take a €100 dinner. At 1.5% that is €1.50 in transaction fees. If the dinner is in a non-Euro country, an FX fee of 0% to 1.75% (the kind of range seen elsewhere in the category) is plausible but not stated; budget an extra €1 to €1.75 on top if the fee schedule of comparable cards is any guide.

Take a €1,000 monthly recurring bill. At 1.5% that is €15 in fees per month, or €180 per year, before any FX or ATM charges. This is where a self-custody card with no published fee schedule starts to look expensive against cards that publish a 0% in-network spend fee.

The honest summary is that the headline figure is unofficial, and the fee table is mostly “not stated.” If a fee number matters to your decision, you should treat the 1.5% as a working assumption, not as a quoted price.

How to Top It Up

The Tonhub card spends from a crypto balance that lives in your own wallet, not from a balance that Tonhub holds for you. Tonhub pre-funds the merchant at the point of sale, then debits your linked balance once the network and the seller have confirmed the transaction. If your balance is too low, the payment is declined; the card cannot go into the red.

For the topping-up part, the page shows TON and USDC, and a user review mentions paying with USDT. SEPA and SWIFT bank transfers are also offered, which suggests you can move fiat in from a bank account and convert on the way. The minimum top-up, the network fees charged by the underlying blockchain, and the fiat top-up fee are not stated.

The mechanics, in order:

1. Hold TON or USDC (or, per one user review, USDT) in a wallet you control.
2. Transfer the balance into the card’s linked wallet, on a network the card supports. The page does not list supported networks explicitly, so a small test transfer is sensible before moving meaningful amounts.
3. Make sure the balance is topped up before payment. Tonhub pre-funds the merchant first, then settles from your balance afterwards; if the balance is empty at settlement, the transaction is declined.
4. For bank-funded top-ups, use SEPA or SWIFT. Fees and minimums are not stated.

The “non-custodial” part of the design has a real consequence here. Your funds stay in your own wallet until the moment of payment. You are responsible for keeping the keys, the seed phrase and the receiving address safe. If you send a stablecoin to a wallet on a network the card does not support, or to an address on a different network, the deposit is at risk and recovery is manual, slow and not guaranteed. Treat the receiving address as load-bearing.

Paying With It Every Day

Once the virtual card is in your app, the everyday experience is shaped by three things: the form factor (virtual only), the wallet integrations and the dispute and refund process.

The card is virtual. You get a card number you can use online, and you can add it to a mobile wallet if tokenisation is supported. The page itself mentions Apple Pay only via a quoted user review, and third-party reporting (Forklog, November 2024) says Apple Pay and Google Pay are supported, but neither is confirmed on the official card page. If you need the card in Google Pay or Apple Pay, the public material will not promise that to you; you will have to try it once the card is in your app. ATM use, contactless in-store use, blocked merchant categories (such as MCC 7995 gambling, which many issuers restrict by policy), and any cashback or rewards are not stated.

The dispute and refund process is described in general terms. “Refunds are issued only for legitimate, verified transactions” is the line on the page. Tonhub pre-funds the purchase and debits the balance after the network and the merchant confirm; if the payment is declined or fails, the funds are not debited. The chargeback time frames, the dispute channels and the cardholder rights under EU rules are not stated on the public page, which is where the Trustpilot complaint (see below) starts to bite: a user reports waiting to file a chargeback, a dispute that was eventually won, and money that had not been returned by mid-February 2026.

The app is the operational centre. Setup, wallet addition, the Tonhub Card banner and the on-chain spending limits all live there. App store ratings, platform availability and any in-app freeze button are not stated on the page; the public safety section of the Tonhub materials mentions user-set on-chain limits and automatic anti-fraud/AML monitoring that blocks suspicious activity, but does not mention an in-app freeze or any insurance.

What Can Go Wrong

The two honest risks for this card are: the parts of the offering that the public material does not document, and a single public complaint that is unflattering.

On the documentation side:

• The operator entity is not named. The page references “Tonhub” and “Holders” but does not say which company runs the card programme.
• The card issuer is not named. The BIN sits behind a Visa licence, but the bank or e-money institution is not on the page.
• Fees are not published. The “Fees & Conditions” section exists but the values are missing; the 1.5% figure is third-party.
• Limits are not published. Daily and monthly caps are not stated; the only published control is user-set on-chain spending limits.
• Dispute time frames and cardholder rights are not stated.

On the complaint side, there is a Trustpilot entry worth reading carefully. Trustpilot shows a 3.2 out of 5 from a single review, read on 2026-10-20. That review, posted 18 February 2026, describes:

• A chargeback dispute that took time to file, after filing in early December 2025 and winning in January 2026, with money not yet returned by mid-February 2026.
• Slow, copy-paste support responses.
• An additional AML video-call identity check on top of a verification that had already gone through.

A single one-star review is not a pattern, and Trustpilot’s average of 3.2 from one review is not statistically meaningful; the card could be excellent and the user unlucky. But it is the only public review, and what it describes, slow dispute handling and extra AML checks, sits in the gap left by the missing fee and dispute documentation. If you are considering this card, the question to ask is what the dispute timeline looks like before you need it, not after.

On the security side, the public material says:

• The wallet is non-custodial, so the user holds the keys. That is the design choice at the heart of the product.
• A Ledger hardware wallet is supported, which lets you keep the keys offline.
• Smart contracts are audited by Trail of Bits.
• You can set on-chain spending limits.
• Anti-fraud and AML monitoring block suspicious activity automatically.

What is not stated: any in-app freeze, any insurance, any segregated safeguarding of customer funds, and any deposit-guarantee or equivalent cover. As a category matter, EMIs safeguard customer funds in dedicated accounts or by insurance, but those funds are not bank deposits and are not covered by deposit guarantee schemes; the card may be operating under a different licence type, and that is not stated.

A broader context that is worth knowing: in November 2022 Visa terminated its global agreements with FTX and the FTX US debit card programme was wound down by its issuer, and in 2018 WaveCrest, a Visa card issuer that supplied crypto card brands, was suspended by Visa in Europe, closing all WaveCrest-issued Visa programmes. Programmes can be shut down by the network, and when that happens users typically get a notice period, then loading stops, then spending stops, then the remaining balance has to be withdrawn. Plan for that contingency by keeping balances low and by knowing how to move funds out quickly.

The card launched on 8 November 2024, initially for EU residents, with expansion to other regions planned for 2025; the public pages do not confirm that expansion has happened.

What to Take Instead

The honest comparison set is small, because the Tonhub card’s specific combination, a Visa Debit that spends from a non-custodial TON/USDC balance, is not a crowded niche. Three alternatives illustrate what the rest of the category looks like in practice.

MetaMask Card

MetaMask’s card scores 7.1 out of 10. Sign-up is open in 45 listed countries and territories, with proof of residency required and other regions on a waitlist. (US and UK sign-ups are temporarily closed per MetaMask’s FAQ.) The card is a Mastercard issued by Monovate, with Crypto Life as the card provider, and it is virtual-first; a Metal card can be pre-ordered in the app after Virtual approval, with one card per user. The Virtual card is free, with no annual or maintenance fee, and the Metal card costs $199 a year. The published material refers to “a minimal fee for each transaction” without stating an amount and says there is no foreign transaction fee, with the Mastercard rate used. The card spends directly from the connected wallet on Linea, Base, Monad and Solana, and the page names mUSD, wETH, EURe, GBPe, USDC and USDT as accepted (the page says nine tokens in total; Solana-only wallets cannot withdraw credit). Cashback is paid in mUSD into the Money Account: 1% on the Virtual card, and a headline 3% on Metal that footnotes back to 1% after the first $10,000 spent, plus $FLY bonuses through the Blackbird dining app.

MetaMask is the closest match to Tonhub’s “spend from your own wallet” pitch, with a much longer list of supported countries and a published issuer name. It is custodial on the back end (Monovate issues the card, Crypto Life provides it), so it does not give you self-custody in the strict sense.

KAST

KAST scores 6.1 out of 10. The eligibility list is residence-based and is only shown at KYC, so you cannot tell from the marketing pages whether you qualify; the published rules say an account can be created in an unsupported country but KYC stays locked, and that holding an ID from a restricted region can disqualify you even if you live in a supported country. KAST offers up to 10 cards per user, including Visa Platinum (Standard), Visa Infinite metal (Premium), and a gold-plated Visa Infinite (Private), with a USD-denominated account, stablecoin deposits converted 1:1 at 0% spread, and additional card designs. Pricing is tiered: Standard $0/year, Premium $1,000/year, Private $10,000/year, billed annually upfront, with extra virtual cards at $2 each and Standard physical cards at a $0 card fee plus $40 delivery (Premium and Private physical cards are included). The fee schedule is unusually detailed for the category: 0% on stablecoin top-up, 0% on USD card spend, 0% transaction fee, 0% on Apple/Google Pay, 0.5%–1.75% FX depending on residence, transaction country and card programme, 0.10 USD on non-USD transactions under $25, 0.50 USD on a declined transaction for insufficient balance, with auto-conversion of non-stablecoin tokens at a fee shown in the app. Cashback is in USD: 1.5% on the first $2,000/month for Standard, 2% on the first $10,000/month for Premium, 3% on the first $40,000/month for Private, plus KAST Points at 0%/+1%/+2%. KAST is custodial.

KAST is the alternative for a reader who wants a published fee schedule, tiers, and a clearer dispute process, and who is willing to pay a membership fee for it.

Zeal

Zeal scores 6.1 out of 10. Zeal is a Visa card built on the Gnosis Pay stack; spending is available in 150+ countries, with the card programme documented as live in the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, the Philippines, Indonesia and Thailand. The card is virtual, addable to Apple Pay, with accounts in EUR, USD and GBP. No physical card is mentioned in public materials. Zeal charges no additional FX fee, with conversion at the Visa wholesale rate, and Gnosis Pay fees (such as ATM) may still apply. The card spends from balances in the card Safe (EUR/USD/GBP stablecoin accounts, on Gnosis Chain and Celo per public materials), with up to 4% cashback paid in GNO on Gnosis Chain, conditional on holding GNO in the card Safe, and rates subject to change. The app also advertises up to 5% variable APY on EUR/USD balances. No fee schedule is published on zeal.app or in the App Store. Zeal sits between the two above: more self-custody-leaning than MetaMask, more transparent on FX than Tonhub, less transparent on fees than KAST.

At a glance

Tonhub’s case for existing in this comparison is its self-custody model and the Trail of Bits audit. Its case against itself is the missing issuer name, the missing fee table and the missing dispute documentation.

Who I Would Recommend It To

I would recommend the Tonhub card to a narrow reader: someone who is 18 or older, lives in the EU, already holds TON or USDC in a self-custody wallet, and is comfortable with a card that does not publish its fees, its limits or its dispute timeline. If you are already paying a 1.5% spread somewhere else to convert TON or USDC to a spendable balance, the unofficial 1.5% transaction fee on this card is at least in the same ballpark, and the on-chain spending limits are a useful control. If you can already use a published-fee card with a named issuer, there is no particular reason to switch.

I would not recommend it to:

• Anyone outside the EU; the eligibility page is firm on EU residence.
• Anyone who needs a physical card; the offering is virtual only.
• Anyone whose primary balance is a token other than TON or USDC, until the page documents more.
• Anyone who needs a published fee table, a published chargeback timeline, or a named issuer and a named operator, before they put real money through it.
• Anyone who plans to lean on customer support for a dispute; the only public review describes a long wait, a won dispute and money not yet returned.

If you are considering this card, the things to check first are: the supported networks for top-up (a small test transfer is worth more than any amount of reading), the in-app availability of Apple Pay or Google Pay on your device once the card is issued, and the current process for closing the wallet or moving the balance out, since the page does not document the closure flow.

Frequently Asked Questions

What is the Tonhub card?

The Tonhub card is a Visa Debit issued through the Tonhub app. It is virtual only and is unlocked after identity verification. Payments are spent from a crypto balance held in your own wallet rather than from a balance that Tonhub custodies, which is the design choice that sets the product apart from most other crypto cards.

How does the Tonhub card work?

When you pay, Tonhub pre-funds the merchant, then debits the linked balance in your wallet after the network and the seller have confirmed the transaction. If the balance is too low, the payment is declined; the card cannot overdraw. You can set custom on-chain spending limits, and the card’s smart contracts have been audited by Trail of Bits.

Is Tonhub a bank?

The public material does not say so, and does not name a bank or an e-money institution as the card issuer. Tonhub is presented as the product brand, alongside another brand, “Holders,” and the help centre sits at help.holders.io. Until the issuer is named, treat it as an unbranded programme rather than a bank product.

Who owns Tonhub?

The public pages reference the Tonhub brand and the “Holders” brand, but do not name the operating entity. This is one of the gaps the public documentation leaves open.

Is the Tonhub card available in the United States, the United Kingdom, or other non-EU countries?

The published eligibility condition is EU residence and age 18 or older. The card launched in November 2024 for EU residents, with expansion to other regions reportedly planned for 2025, but the public pages do not confirm that expansion has happened. If you are outside the EU, the page will not currently commit to serving you.

How do I apply for the Tonhub card?

Install the Tonhub app, add a wallet, and tap the Tonhub Card banner. You then go through identity verification; once that clears, a virtual card is issued in the app. The documents requested at verification, the time it takes, and the rejection criteria are not published.

Does the Tonhub card require KYC?

Yes. Identity verification is a required step before the card is issued, and the only public review describes a second, video-call AML check after the first verification had already gone through, which suggests the process is not always one-and-done.

How do I add the Tonhub card to Apple Wallet or Google Pay?

The official page mentions Apple Pay only via a quoted user review, and a third-party report (Forklog, November 2024) says Apple Pay and Google Pay are supported. Neither is confirmed on the official card page. The practical answer is: try it once the card is in your app; the documentation will not promise it in advance.

How do I top up the Tonhub card?

Hold TON or USDC (or, per one user review, USDT) in your own wallet and transfer to the card’s linked wallet, on a network the card supports. The supported networks and any minimums are not stated; a small test transfer is sensible. Bank-funded top-ups are also available via SEPA and SWIFT, with fees not stated.

Is the Tonhub card safe?

It is non-custodial, so the keys stay with you; a Ledger hardware wallet is supported; the smart contracts are audited by Trail of Bits; you can set on-chain spending limits; and anti-fraud and AML monitoring block suspicious activity. There is no published mention of in-app freeze, insurance, or segregated safeguarding of customer funds. Treat the safety story as “self-custody plus monitoring” and act accordingly: keep the seed phrase safe, double-check receiving addresses, and do not keep more on the card than you can afford to leave there.

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