Ripio Card

Spend crypto or local currency held by Ripio at Visa merchants with Ripio Card.

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Ripio crypto card: BTC and USDT cashback, fees

What is Ripio Card?

Ripio Card is a custodial prepaid Visa crypto card with capped 2% cashback on eligible crypto purchases and a 0.5% crypto conversion fee.

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Ripio Card Overview

Ripio Card is a prepaid Visa crypto card for people who already keep money in the Ripio app, particularly users in Argentina and Brazil. You spend an existing balance rather than borrow on credit. Ripio holds the funds in a custodial wallet, so it suits existing Ripio users more than people who want to keep crypto in their own wallet.

Fund your wallet with local currency or supported crypto, then choose which balance to spend. When you pay, Ripio converts crypto at its quoted rate and pays the merchant in fiat. You can use a virtual card online or through Apple Pay and Google Wallet. Ripio also ships a physical card free where available.

Ripio charges no annual or monthly card fee. The supplied card terms list 2% cashback on eligible crypto purchases and 0.5% on eligible fiat purchases, with a 0.5% conversion fee on crypto spending. Monthly cashback caps limit the reward, and ATM fees vary by country. The main draw is spending crypto already held in Ripio without a separate sale and bank transfer. Check current cashback caps and country eligibility in the app before you order, since terms vary by market.

Ripio Card Key features

  • Instant virtual card

    You can get a virtual Visa card immediately after accepting the terms in the Ripio app. Use it for online purchases and subscriptions wherever merchants accept Visa.

  • Free physical card

    Ripio ships the physical Visa card at no charge after you confirm your delivery address. You can use it for purchases in stores or online.

  • Choice of balance

    You choose a supported crypto or local currency balance in your Ripio wallet before you pay. Ripio converts crypto at its quoted rate at checkout, and the merchant receives fiat.

  • Crypto cashback

    Ripio pays 2% cashback on eligible crypto funded purchases and 0.5% on eligible fiat funded purchases. Monthly caps apply, commonly ARS 50,000 in Argentina, with higher caps on some account levels.

  • First month bonus

    New cardholders receive double cashback for the first 30 days: 4% on eligible crypto funded purchases and 1% on eligible fiat funded purchases. Confirm the current terms for your market in the app.

  • No recurring fees

    Ripio charges no annual or monthly maintenance fee for the card. It also charges no issuance or inactivity fee.

  • Crypto conversion fee

    Ripio charges a 0.5% conversion fee on crypto funded card purchases. In its published card FAQs, Ripio lists no equivalent extra percentage for fiat funded purchases.

  • Mobile wallet payments

    You can add the virtual or physical card to Apple Pay or Google Wallet. Then you can tap your phone at supported payment terminals.

  • ATM cash access

    You can withdraw cash with the physical card at supported partner ATMs in markets where Ripio enables withdrawals. Fees and withdrawal limits vary by country.

  • Extra merchant cashback

    Ripio periodically runs extra cashback promotions at selected merchants on top of the base rate. Each promotion has its own terms and caps.

  • Prepaid spending only

    You spend money you already hold in Ripio, with no revolving credit line. Ripio declines a payment if your selected balance is too low.

  • Custodial wallet balance

    Ripio holds the funds you use for card purchases in its custodial wallet. You must fund that wallet before you can spend with the card.

Get the app

Download Ripio Card App For Android And iOS

Download Ripio Card and start spending crypto from your phone — available on Android and iOS.

Get it onGoogle Play Download on theApp Store

Ripio Card Fees

  • Issuance and delivery Ripio charges no card issuance fee and ships the physical card at no cost.
  • Recurring card fees Ripio charges no annual or monthly maintenance fee and no inactivity fee.
  • Purchase conversion fee Ripio charges 0.5% on crypto funded purchases and does not charge that extra percentage on fiat funded purchases.
  • Foreign exchange markup Ripio uses its quoted exchange rate and does not list a separate foreign exchange markup.
  • ATM withdrawal fees ATM fees vary by country; in Brazil, for example, a withdrawal costs R$ 6.90.

Ripio Card Supported networks

  • Bitcoin
  • Lightning
  • Ethereum
  • Arbitrum
  • Optimism
  • ZkSync Era
  • Base
  • Polygon
  • BNB Chain
  • Solana
  • Algorand
  • Tron
  • Avalanche
  • Stellar
  • Litecoin
  • Bitcoin Cash
  • Gnosis
  • World Chain
  • LaChain

How to use Ripio Card

  1. Create your account

    Download the Ripio app from the Apple App Store or Google Play. Sign up with your email and phone number.

  2. Verify your identity

    Complete identity verification in the app with the documents required in your country.

  3. Fund your wallet

    Deposit local currency by bank transfer or a supported local payment method, or send crypto to the deposit address using the matching network shown in the app. Ripio holds these funds in its custodial wallet.

  4. Request your virtual card

    Open the Card section and request the virtual card. Accept the terms to receive your card details.

  5. Choose your payment balance

    In the Card section, select the currency or token you want to spend. Keep enough in that balance to cover the payment and any conversion fee, or Ripio will decline the payment.

  6. Make your first payment

    Enter your virtual card details at an online checkout that accepts Visa. Ripio deducts funds from your chosen balance at its quoted rate and charges a 0.5 percent conversion fee for crypto funded purchases.

Ripio Card Demo video

Ripio Card Screenshots

Ripio Card User Reviews

  • @ahorraconana
    @ahorraconana Aug 26, 2026

    Camperon ADIDAS a $105.000‼️
    Estaba en el outlet rebajado $136.500 (Av Triunvirato 4251, caba)
    Pagué con mercado pago y me hizo 20% y como pagué con la tarjeta RIPIO que tenia cargada en mp (soy el nivel mas bajo) me devolvió 4.000 mas aprox!

    View on X ↗
  • @jemmalarc
    @jemmalarc Jul 29, 2026

    Para quien quiera pagar la Army Bomb sin impuesto les recomiendo Ripio Card. Si necesitan ayuda para sacarla me escriben. Saludos!!!! Todas llegamos a octubre si nos organizamos!!!

    View on X ↗
  • @vmenditto
    @vmenditto Feb 10, 2026

    🍟Tip ratonero 🐀

    1- Vas al Mc avisas a cajera/o que vas a usar cupon de PersonalPay y se lo cantas para que te cargue el precio del combo con el cupón descontado

    2- Luego le decís que pagas con tarjeta y abrís tu billetera celular y pagas con Ripio un lunes como hoy y tenes 50% extra

    Éxito asegurado :

    ✔️ 30% de descuento
    ✔️ 50% de reintegro pagando con cripto en cuenta

    View on X ↗
Used Ripio Card? Share your experience — your review helps other traders decide. Write a review →

Ripio Card Review

Pros

  • Ripio charges no monthly or annual card fee.
  • Ripio ships the physical card for free.
  • You can generate a virtual card in minutes through the app.
  • You earn 2% cashback on eligible crypto purchases, subject to monthly caps and a separate 0.5% conversion fee.
  • You earn 0.5% cashback on eligible fiat purchases, subject to monthly caps.
  • You can spend local currency or supported crypto held in Ripio's custodial wallet.
  • You can pay with Apple Pay or Google Wallet without carrying the physical card.

Cons

  • Ripio charges a 0.5% conversion fee on crypto purchases.
  • Ripio caps cashback each month, so you stop earning rewards after the cap.
  • You earn only 0.5% cashback on fiat purchases after the first 30 days.
  • Ripio holds your card funds in custody, so you do not control the private keys.
  • Ripio limits physical card availability to supported countries.
  • You can withdraw cash only in markets where Ripio enables ATM access, and local fees may apply.

Our verdict

I'd carry Ripio Card only if I already kept spending money with Ripio. Ripio holds your funds; you pay no annual fee, but ATM fees vary. You pay 0.5% for crypto conversion; Ripio caps the 2% cashback monthly. Without a published spread, I can't calculate the all-in cost. I'd reconsider if the spread and fees outweighed cashback.

Ripio funding

  • Founded by Sebastián Serrano, Luciana Gruszeczka and Mugur Marculescu founded Ripio as BitPagos in Buenos Aires in 2013.
  • Series A - early 2017 Ripio raised about $1.9 million, with a later top-up from Medici Ventures.
  • ICO - Nov 2017 Ripio raised $37 million through an ICO for the separate Ripio Credit Network project.
  • Series B - Sep 2021 Ripio raised $50 million in a Series B led by Digital Currency Group.

Is Ripio Card safe & legit?

Ripio issues this prepaid Visa through its wallet; Sebastián Serrano, Luciana Gruszeczka and Mugur Marculescu founded the company in 2013, and backers include Digital Currency Group and Amplo. Ripio is a registered crypto provider in Argentina, but your balance is custodial, so you depend on Ripio to keep funds safe and accessible. We found no known red flags or successful hacks that drained customer funds, though registration does not guarantee safety.

X account intel @RipioApp

  • Based in Argentina
  • Joined X May 2014 12 years ago
  • Username changes Never renamed
  • Signup source Web

Public profile signals from X. Use as one input alongside other due-diligence.

Security scan checked Nov 13, 2026

  • Google Web Risk Not flagged
  • MetaMask Not flagged
  • Phantom Not flagged
  • ScamSniffer Not flagged
  • EtherAddressLookup Not flagged
  • Keplr Wallet Not flagged

Domain www.ripio.com checked against Google's lists of unsafe sites and public crypto wallet blacklists.

This is an automated check, not a security audit. The summary is drafted from the project's own pages and public posts, and the domain is looked up on public blocklists. Nothing here is financial advice: only put in money you can afford to lose. How we review listings

Ripio Card Updates

  1. Ripio Card logo
    Ripio
    ¿Quién te explicó por primera vez qué era una wallet?
    ¿Se entendió a la primera?
    • 4 likes
    • 372 views
  2. Ripio Card logo
    Ripio
    Técnicamente es miércoles. Mi living opina otra cosa.
    • 10 likes
    • 647 views
  3. Ripio Card logo
    Ripio
    Así cotiza Bitcoin en dólares este martes en Ripio. En el gráfico podés ver cómo se movió en las últimas 24 horas.
    1 more in this thread
    Empezá a acumular Bitcoin desde la app de Ripio 👉 https://www.ripio.com/ar/?utm_source=x&utm_medium=social&utm_campaign=ar_brand_2026-11&utm_content=post-btc-hoy
    • 3 replies
    • 11 likes
    • 1.2K views
  4. Ripio Card logo
    Ripio
    EL FUTURO DE LOS PAGOS CON STABLECOINS REGIONALES YA ESTÁ ACÁ
    Kenny integró Ripio en su app y ya puede enviar pesos (WARS) con un simple audio.
    1 more in this thread
    Gracias @nicokennydev por la demostración!
    • 14 replies
    • 10 likes
    • 2.3K views
  5. Ripio Card logo
    Ripio
    Tus pesos digitales no duermen el finde.
    Con wARS en Ripio podés moverte las 24 horas: días hábiles, sábados, domingos y feriados. Sin depender de la ventana de un banco.
    Empezá desde la app Ripio.
    1 more in this thread
    El rendimiento no está garantizado y puede variar. Requiere aceptar Términos y Condiciones.
    Android: https://play.google.com/store/apps/details?id=com.ripio.android&hl=es_AR&utm_source=x&utm_medium=social&utm_campaign=ar_wars_2026-11&utm_content=thread-wars-finde
    iOS: https://apps.apple.com/ar/app/ripio-app-crypto-wallet/id1221006761?utm_source=x&utm_medium=social&utm_campaign=ar_wars_2026-11&utm_content=thread-wars-finde
    • 8 replies
    • 19 likes
    • 1.8K views
  6. Ripio Card logo
    Ripio
    En Octubre en Ripio QUEMAMOS 🔥 2.016.541 RPC (Ripio Coin)
    El equivalente a USD 20.165.
    On-chain, verificable para cualquiera 👇
    1 more in this thread
    Podés ver todas las quemas, acá:
    https://etherscan.io/token/0xed025a9fe4b30bcd68460bca42583090c2266468?a=0xe01e635eee06a8cbd416289a3ef6e26c56679116
    • 10 replies
    • 1 reposts
    • 11 likes
    • 3.3K views
  7. Ripio Card logo
    Ripio
    Identificamos un error interno que, durante algunas horas, generó un costo adicional en la conversión de wARS a ARS en Ripio App.
    El inconveniente ya fue solucionado y todos los usuarios afectados recibirán el ajuste correspondiente durante el día de hoy. ✅
    • 17 replies
    • 4 reposts
    • 71 likes
    • 6.4K views
  8. Ripio Card logo
    Ripio
    Local stablecoins are here. Now what?
    31 de octubre · São Paulo · Hackathon presencial
    Un día para construir con wFIAT, explorar nuevos casos de uso y convertir tu idea en un prototipo funcional.
    · US$ 4500 en premios
    · Equipos de 1 a 5 personas
    · Oportunidad de hacer un piloto con Ripio
    · Cupos limitados, con proceso de selección
    Inscríbete: https://forms.gle/Px83s2GQfrq1ebmJ9
    1 more in this thread
    Local stablecoins are here. Now what?
    31 de outubro · São Paulo · Hackathon presencial
    Um dia para construir com a wFIAT, explorar novos casos de uso e transformar sua ideia em um protótipo funcional.
    · US$ 4500 em prêmios
    · Equipes de 1 a 5 pessoas
    · Chance de testar um piloto com a Ripio
    · Vagas limitadas, com processo seletivo
    Inscreva-se: https://forms.gle/Px83s2GQfrq1ebmJ9
    • 18 replies
    • 2 reposts
    • 10 likes
    • 4.1K views
  9. Ripio Card logo
    Ripio
    Este mes en Ripio quemamos 🔥 1.577.010 RPC (Ripio Coin), ~USD 15.543.
    On-chain, verificable para cualquiera.
    1 more in this thread
    Todas las quemas, acá:
    https://etherscan.io/token/0xed025a9fe4b30bcd68460bca42583090c2266468?a=0xe01e635eee06a8cbd416289a3ef6e26c56679116
    • 10 replies
    • 10 likes
    • 3.9K views
  10. Ripio Card logo
    Ripio
    wARS todo poderoso!
    2 more in this thread
    1- Retirás cuando querés
    2- Rinde todos los días
    3- Tenés acceso a muchas opciones de inversión en el
    mismo lugar
    • 28 replies
    • 3 reposts
    • 18 likes
    • 4.7K views
  11. Ripio Card logo
    Ripio
    Nació en Argentina y se convirtió en la app global de criptoactivos más segura de América Latina
    https://www.lanacion.com.ar/economia/IA/nacio-en-argentina-y-se-convirtio-en-la-app-global-de-criptoactivos-mas-segura-de-america-latina-nid10092026/ #ContentLab
    • 3 reposts
    • 8 likes
    • 11.3K views
  12. Ripio Card logo
    Ripio
    "La seguridad no es un capítulo aparte de nuestro negocio: es la base sobre la que construimos todo lo demás", Sebastián Serrano, nuestro CEO 🦾
    Somos la primera empresa de América Latina en alcanzar la certificación CCSS Nivel III 🔒
    https://www.lanacion.com.ar/economia/IA/nacio-en-argentina-y-se-convirtio-en-la-app-global-de-criptoactivos-mas-segura-de-america-latina-nid10092026/
    • 26 replies
    • 2 reposts
    • 10 likes
    • 2.2K views

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