The Onboard Virtual USD Card is an extremely reliable and convenient option for everyday purchases, providing you with a seamless way to convert your stablecoin to USD. You have the flexibility to fund it through various channels, including your local bank account, your Onboard Wallet balance, or external wallets such as Binance and Coinbase.

Once funded, you can use it for transactions wherever VISA is accepted, just like a physical bank card.

We are excited to offer our virtual card services to multiple countries around the world! However, we are not yet available in every country.

Here is a list of the countries where we are not currently available:

Afghanistan
Algeria
Belarus
Burundi
Central African Republic
Comoros
Congo (The Democratic Republic of the)
Congo (The Republic of)
Cuba
Cyprus
Gambia (The)
Iran (Islamic Republic of)
Iraq
Korea (The Democratic People's Republic of, North)
Kyrgyzstan (AKA Kyrgyz Republic)
Lebanon
Liberia
Libya
Macedonia
Maldives
Montenegro
Myanmar
Nicaragua
Russian Federation
Sao Tome and Principe
Serbia
Somalia
South Sudan
Sudan
Suriname
Svalbard and Jan Mayen
Syrian Arab Republic
Tajikistan
Togo
Tokelau
Turkmenistan
Ukraine
Venezuela
Wallis and Futuna
Yemen
Zimbabwe

We hope to expand to these locations soon so that we can bring our virtual card services to even more people around the world. Thank you for your patience and understanding as we work to make this happen!

Creating an Onboard Virtual Card is a breeze! Here are the simple steps to follow:

1. Go to the "Cards" menu in your Onboard Wallet dashboard and click "Set up card."

2. We will ask you for some personal details to verify your identity. This is crucial to ensure the security of your account.

3. After submitting your personal details, carefully read and agree to our terms and conditions.

4. Now, select how you want to fund your card. You have several options:
(a) Easily fund your card using the balance in your Onboard Wallet.
(b) Transfer funds from an external wallet to your Onboard Virtual Card.
(c) Fund your card via bank transfer.

5. Once you have selected your preferred funding option and completed the necessary steps, your Onboard Virtual Card will be funded and ready to use. Congratulations, you've successfully created an Onboard Virtual Card!

At the moment, users are limited to creating and owning one virtual card at a time.

In most cases, the verification process only takes a few minutes. However, there may be some rare circumstances that could cause the process to take a bit longer, up to one day.

Don't worry, we'll notify you as soon as your identity has been successfully verified, so you can start using your virtual card right away.

Onboard Virtual Cards are valid for 3 years from when you create it in the app. You can find your card's expiry date in the 'Details' section on your Cards page.

Funding your card is super easy. Go to your card dashboard and click "Fund". You'll see three options to choose from:

1. Use your Onboard Wallet balance‍‍‍

• Select "Onboard Wallet" as your funding method,
  

• Add your preferred amount, and choose the stablecoin you want to transfer from your Onboard Wallet balance to your virtual card balance.

• Confirm the transfer details and voila!
  

• Your card is now loaded with USD and can be used anywhere VISA is accepted.

‍2. Transfer funds from an external wallet‍

• If you have an external wallet or want to receive funds from someone else directly to your virtual card, you can choose this option.
  

• Select "External Wallet" as your funding method, add your preferred amount, and choose the stablecoin you want to transfer from your external wallet address to your virtual card balance.

• Next, deposit the exact amount shown on your screen to the wallet address provided by using the external wallet of your choice.
  

• Once the deposit is complete, your account will be topped up with USD.

‍Pro tip: Always double-check the network and wallet address for your transaction to prevent any losses. We won't be able to recover any funds lost due to incorrect information.

‍‍3. Make a bank transfer‍

• Select "Cash transfer" as your funding method,
  

• Add your preferred amount, confirm the transfer details, and make a payment to the bank account shown on your screen.
  

• Once the transaction is confirmed, you'll be ready to rock and roll with your virtual card!
  

Yes, other people can send money to your virtual card! Each card is associated with a unique wallet address that you can share with anyone who wants to send you money. This wallet address ensures that the payment is accurately directed towards your account.

Here's how you can do it:

• Select "External Wallet" as your funding method.
  

• Add your preferred amount and choose the stablecoin that the sender will be sending.

• The wallet address associated with your card will appear on the screen. Share this address with the sender and instruct them to deposit the exact amount shown.

• Once they confirm the deposit is complete, click "I have made exact payment," and your account will be topped up with USD.

It's really that simple and easy!

We know how important it is for you to have access to your funds, so we've made it easy for you to withdraw them whenever you need to. However, please ensure that you leave the minimum required balance on your card to keep it active.

To withdraw funds, simply go to the card dashboard and select the “More” icon, followed by the “Withdraw” option. You'll have three withdrawal options to choose from:

• Send money to your Onboard Wallet address:
  Just choose the stablecoin you prefer to receive your USD balance in and the amount you want to withdraw. Double-check the withdrawal details and click on "Confirm". Your funds will be transferred to your Onboard Wallet address in no time!
  

• Send money to an external wallet address:
  If you'd rather deposit your funds into an external wallet address, just choose the stablecoin you prefer to receive your USD balance in and the amount you want to withdraw. Then, add the address where you want to deposit funds, double-check the withdrawal details, and click on "Confirm". Your funds will be transferred to the external wallet address immediately.

• Send money to a local bank account:
  If you prefer to send your funds to a local bank account, just select “Local currency” as your withdrawal option, add your preferred amount, followed by the bank account you want to send the funds to. After confirming your details, click “Confirm” and you're good to go!

Remember to always double-check the network and wallet address for your transaction to avoid any losses. Unfortunately, we will not be able to recover any funds lost due to incorrect information.

This table provides an overview of the fees and limits for an Onboard Virtual card, so you can easily manage your spending.

1. Card Creation $3
(This fee is charged only once to create your card.)
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2. Minimum Deposit $1
(You cannot top up your card with less than $1.)
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3. Monthly Maintenance Fee Free
(A maintenance fee covers administrative costs to maintain your card. We've waived this for now.)
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4. Minimum Card Balance $1
(You must keep your card funded with at least this amount to keep it active.)

5. Daily Transaction Limit $5,000
(This is the maximum amount you can spend per day using your card.)

6. Monthly Transaction Limit $20,000
(This is the maximum amount you can spend per month using your card.)

7. Insufficient fund charge *None
(We won't charge any fees for this. However, we will freeze your card after 3 consecutive failures for a particular transaction. If you unfreeze the card and it fails two more times, the card will be terminated.)

8. Non-US or non-USD transactions 2% + $0.5
(Transactions in other currencies, or transactions processed by merchants outside the US, incur currency conversion fees.)

When you use your Onboard USD Card for payments in currencies other than USD or at non-U.S. merchants (even if quoted in USD), a separate FX conversion fee applies. The fee will be deducted from your card balance under the label "FX fee for (the specific payment made).” This is a standard fee with card schemes globally and we don't make any money from this.
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*Always make sure you have enough funds before making a purchase or set reminders for any recurring purchases. Third-party providers may charge Onboard for declined transactions. In the event of this, any fees collected will only cover our incurred charges and we do not profit from insufficient funds charges.

Just a friendly heads up: Whenever you're sending any cryptocurrency from one address to another, you'll be charged a Network fee. These fees can vary based on the cryptocurrency you're attempting to transact with, the blockchain network, and the size of the transaction.

Your Onboard Virtual Card may be deactivated for various reasons, similar to physical cards. Below are common reasons for deactivation:

‍Suspected Fraud or Unauthorised Activity: We may deactivate your virtual card if we detect any suspicious or unauthorised activity. This is a precautionary measure to ensure your protection.

‍Expiration: Virtual cards have expiration dates, just like physical cards. When your virtual card expires, we will deactivate it and issue a new one for your convenience.

‍Your Request: Sometimes, you may want to deactivate your card. You can tap the 'delete card' button in your app for this. Please note that this action is not reversible.

‍Violation of Terms and Conditions: If you use the virtual card in a way that violates our terms and conditions, we may terminate your card. This could include using the card for prohibited activities or in ways that are not allowed.

‍Technical Issues: Technical issues in the virtual card system may inadvertently result in card termination.If your virtual card has been terminated and you're unsure why, please contact our customer support team for more information and assistance.

Each virtual card has a daily spending limit of $5000 and a monthly spending limit of $20,000.

If your account is frozen because your balance is lower than the minimum required amount, you can easily reactivate it by loading your card with the necessary funds.

Once you have added the required funds, your account will automatically be reactivated and you will be able to resume using your card for all your daily transactions as usual.

To learn how to fund your card, click here.

Your virtual card payment may have been declined for several reasons, including:

Insufficient funds: This can happen when you don't have enough money in your account to cover the transaction. To avoid having your card declined and incurring fees associated with insufficient funds when making a transaction, make sure your virtual card is always funded.
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Incorrect information: If you enter the wrong information for your virtual card, such as the card number, expiration date, CVV code, or billing address, the transaction may not go through. Always double-check that you are entering the correct details.
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Card deactivated: If your virtual card has been terminated, you will no longer be able to use it for transactions.
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Card frozen: If a card has been frozen, it cannot be used for transactions. You can freeze or unfreeze the card anytime in the app.
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Network issues: If the bank network is unavailable at the time of the transaction or there is an issue with the merchant’s website, the transaction may not be processed. This can happen due to technical issues or maintenance work being carried out.
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Daily or monthly limit reached: When you exceed the daily and monthly limits set on your card, the transaction will not be processed.
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Transaction error: A generic decline, usually due to a technical issue like a loss of internet connection, network error, or power outage at the time of the transaction. This can happen due to various reasons and is usually resolved within a short period of time. If you encounter this issue, try again later or contact us for assistance.

If you want to use your Onboard Virtual Card for online purchases, just follow these simple steps:

• Go to your card dashboard and click on the "Details" tab. You will find all the important information you need to complete your transaction, such as the card number, CVV, expiration date, and billing address.
  

• Once you have copied the necessary details, go to the checkout page of the website you wish to purchase from.

• During checkout, just paste the card information into the appropriate fields.

That's it!

Yes, your Onboard Virtual card expires just like a physical card. You can find the expiration date, card number, billing address, and CVV on your Onboard Wallet App. Simply click the "Details" icon on your card dashboard to access this information.

If you notice any suspicious activity on your card, it is important to take prompt action to protect your account and safeguard your funds. Our team is here to help you investigate any issues and work towards a resolution.

Here are the steps you can take to report suspicious activity on your virtual card:

1. First, go to your virtual card's transaction history and carefully review all transactions. If you notice any transactions that appear to be unauthorised or suspicious, select the transaction in question.
2. Next, click on the "Help Center" icon located at the bottom of the page to contact our support team.
3. Explain the issue and provide any relevant information to help us investigate the suspicious activity. We may ask you for additional information or documentation to validate the transactions in question.

In addition to reporting suspicious activity, we also recommend that you freeze your card to temporarily halt all transactions and prevent any further unauthorised charges. To freeze your virtual card, follow the simple steps listed here.

If you have a virtual card that you no longer need, you can delete it by following these steps:

• On the Onboard Wallet navigation bar, tap the card icon to view your virtual card.
  

• Tap the “More” icon (represented by three dots), and then select the “Delete card” option. A pop-up window will appear asking you to confirm that you want to delete the card.
  

• Confirm that you want to delete the card by entering your passcode.

Keep in mind that deleting your virtual card is irreversible, and any unused balance will be transferred to your Onboard Wallet.

If you change your mind and decide that you need a new virtual card, you can always create a new one. However, there will still be a waiting period before you can create a new one.

If you don't want to delete your virtual card permanently, you can simply freeze it to temporarily stop transactions. To do this, tap the “More” icon from your card dashboard. From there, select the “**Freeze card**” option and confirm that you want to freeze the card. When you're ready to use the card again, simply unfreeze it by following the same steps.

Checking your card activity is easy-peasy.

To see a list of all the transactions made with your virtual card, navigate to your card dashboard. This is where you can view a detailed history of all deposits, withdrawals, transfers, and any other transactions made using your virtual card.

You have the power to freeze and unfreeze your card at any time. All you need to do is navigate to the card icon on the Onboard Wallet navigation bar, and click on the "More" button. From there, simply use the toggle to freeze or unfreeze your card.

Note: When your card is frozen, it is temporarily disabled and cannot be used for transactions. Additionally, a monthly maintenance fee will still be charged for a frozen card.