The checklist
| What to check | Why it matters | Nummus |
|---|---|---|
| Assets and networks | If your chain isn't supported, you pay to bridge | USDC and USDT on Polygon and Solana, plus USD |
| Top-up fee | Charged every time you move money in | 4% Virtual, 3% Plus and Pro, 2.5% Premium |
| Conversion fee | Charged every time you turn crypto into spendable cash | 0.5% on Virtual, 0% on Plus, Pro and Premium |
| Bank requirement | Many cards need a local bank payout first | None — spend directly from the account |
| Coverage | A card is only useful where it's accepted | Visa, 190+ countries, outside restricted regions |
| KYC documents | Decides whether you can actually open it | National ID for virtual, passport for global |
| Speed to spend | Cash flow depends on it | Minutes on virtual, up to 12 working hours on global |
| ATM limits | Matters if you need cash | 3,000 USD per day at Visa ATMs |
Fees and terms at other providers change often, so check them at the source before deciding. The figures above are the current Nummus terms.
Where Nummus is the wrong choice
- You want to hold and spend volatile coins directly — Nummus is built around USD stablecoins
- You're chasing token-staking cashback tiers — that's not what this account does
- You only spend in your home currency from a local salary — a local bank card will be cheaper
It fits best when your income arrives in stablecoins from clients or platforms abroad and you need to spend it without a bank in the middle.
Plans at a glance
| Plan | Price | Top-up | Conversion | Card |
|---|---|---|---|---|
| Virtual | Free | 4% | 0.5% | Virtual |
| Plus | $14.99/mo or $149/yr | 3% | 0% | Physical |
| Pro | $300 one-time | 3% | 0% | Physical |
| Premium | $750 one-time | 2.5% | 0% | Physical |
