CryptoCardsPerks
Gate Card
7.0/10
Ranked #27 of 76
Overview
The Utorg Card is a custodial crypto card aimed primarily at users in Europe. It runs on the Mastercard network, so it's accepted anywhere Mastercard is, and supports Apple Pay and Google Pay for tap-to-spend. In our ranking it currently sits at #27 of 76 cards, with an overall score of 7.0 out of 10.
★ Utorg Card referral code
UTORG9560
Using a referral code at sign-up may unlock a welcome perk where Utorg Card offers one. Availability and amounts are set by the provider and vary by region.
Rating breakdown
How the Utorg Card scores across the categories we weigh into its overall 7.0/10.
Fees & value7.1
Rewards5.6
Ease of use6.9
Security & custody6.8
Availability6.6
Cashback & rewards
The Utorg Card does not currently offer cashback or a rewards program. It's built around simple, low-cost spending rather than earning points, which can be the better trade if you value low fees and simplicity over rewards.
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | Free |
| Card issuance | $4.99 |
| Card spend (USD)Fee on purchases made in US dollars | 0% |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 1% |
| ATM withdrawals | 2% after free limit |
How to get the Utorg Card
- Download the Utorg Card app or open the provider's website.
- Create an account and complete KYC with a photo ID and selfie.
- Enter referral code UTORG9560 during sign-up to claim any welcome perk.
- Top up your account with crypto or fiat, then order your physical card or start using the virtual card.
- Add the card to Apple Pay or Google Pay to tap and spend.
Pros & cons
Pros
- Physical card available for in-store and ATM use
- Works with Apple Pay and Google Pay
- Clean mobile app with real-time transaction alerts
Cons
- No cashback or rewards on spending
- Custodial — funds are held by the provider
- Requires full KYC (government ID + selfie)
- Availability limited mainly to Europe
Who it's for
Utorg Card suits people based in Europe who want a straightforward way to spend crypto without managing wallets directly. Be ready to complete standard identity verification during signup.
Frequently asked questions
Does the Utorg Card offer cashback?
No. The Utorg Card does not currently offer cashback. It focuses on simple, low-cost spending instead of rewards.
Is the Utorg Card available in my country?
The Utorg Card is primarily available in Europe. Check the provider's site for the current list of supported countries.
Does the Utorg Card require KYC?
Yes. The Utorg Card requires standard KYC — typically a government ID and a selfie — during sign-up.
Is the Utorg Card custodial or non-custodial?
The Utorg Card is custodial, meaning the provider holds your funds on your behalf.
What network does the Utorg Card run on?
The Utorg Card runs on the Mastercard network, so it's accepted wherever Mastercard is supported, and it works with Apple Pay and Google Pay.