Spend the crypto
you already hold
RedotPay is a prepaid card that lets you spend the crypto in your wallet at card-accepting merchants worldwide. No bank account and no credit check are needed.
Sign-up and card applications happen in the app, and identity verification (KYC) is required.
Watch the video first
An introductory video from RedotPay's official channel. It shows how the coins in your wallet turn into a payment at a real store.
The video is loaded from YouTube only when you tap. Nothing is sent to YouTube before that.
Enter a code when you apply and the fee drops
Tap a box below to copy the code, then paste it into the promo code field on the card application screen.
Codes can change under RedotPay policy.
What RedotPay is
It is a crypto wallet and prepaid card service run by Red Dot Technology Limited, which is headquartered in Hong Kong. Keep coins in the wallet and they are converted automatically when you pay.
| Service name | RedotPay |
|---|---|
| Operating company | Red Dot Technology Limited |
| Headquarters | Hong Kong |
| What you need | A smartphone, ID for KYC, and crypto to load |
| What you do not need | A bank account or a credit check |
What you can do
Fast virtual card
Once verification is done, the virtual card is issued right inside the app.
Works abroad
You pay with the same card at merchants abroad.
Mobile wallets
Add it to Apple Pay, Google Pay or Samsung Pay and tap to pay with your phone.
ATM withdrawals
With the physical card you can also withdraw cash.
Asset custody
Assets are held through specialist custodians and established security standards.
Activity history
Payments and top-ups are visible in the app right away.
Choose between two cards
They differ in issuance fee and how they are used. If you only plan to pay online, the virtual card is enough.
Most popular
Virtual card
$10
- Issued on request
- Online payments
- Works with mobile wallets
Check your region
Physical card
$100
- In-store payments
- ATM cash withdrawals
- International shipping
Issuance fees follow the official fee schedule effective December 1, 2025. Joining the paid membership (RedotPay Pro) waives the issuance fee once. Issuance fees and available regions can change.
How a payment happens
Load coins
Send USDT or another coin to the RedotPay wallet.
Automatic conversion
The amount is converted at the market rate at the moment you pay.
Card authorisation
Authorisation comes through as fast as with an ordinary card.
Merchant settlement
The merchant is settled in the currency it normally uses.
How it differs from a bank debit card
| Item | Bank debit card | RedotPay card |
|---|---|---|
| Linked funds | Bank deposit | Crypto |
| Bank account | Required | Not required |
| Credit check | Required | Not required |
| How to get one | Bank branch or app | Smartphone app |
| Use abroad | Limited, depending on the card | Usable at merchants abroad |
Signing up through a referral link
If you are signing up
Sign up through a referral link and you receive whatever sign-up benefit RedotPay is offering. What is on offer changes over time.
If you are referring
Join the partner programme and you earn rewards based on card applications and usage.
Which coins you can load
You can load major coins and dollar-pegged stablecoins. If you would rather not deal with price swings, loading stablecoins makes your balance easier to predict.
If you pick the wrong network (chain) when sending, your assets can be hard to recover. Use exactly the address and network the app gives you. Check the app for the current list of supported coins.
From sign-up to your first payment
Install App
Download the RedotPay app from the App Store or Google Play.
Create an Account
Sign up with an email address or phone number. If you arrive through a referral link, the referrer is filled in automatically.
Identity verification
Complete verification with your ID and a face scan. It usually takes anywhere from a few minutes to a day.
Apply for a card
The virtual card is issued as soon as you pay the issuance fee. If you have a discount code, enter it on this screen.
Load coins
Send coins to the address and network the app gives you.
Start paying
Add the card to a mobile wallet, or pay online with the card number.
What you need for verification
- ID documentA passport, driver's licence or national ID card. Which types are accepted depends on your country of residence.
- Face scanHold your face up to the camera as the app instructs. It tends to pass more easily in good light, with glasses and hats removed.
- Country of residenceSome countries are not served. Check first whether your country can be selected on the sign-up screen.
If the name you enter does not match the one on your ID, the application is rejected. It is safest to use the spelling exactly as it appears in your passport.
Which fees apply
Knowing in advance where the charges fall means fewer surprises about how much is left.
| Item | Rate |
|---|---|
| Card issuance fee | Virtual $10 · Physical $100 |
| Top-up (deposit) | Free |
| Crypto conversion | 1.00% |
| Paying in another currency | 1.20% |
| ATM withdrawals | 2% For USD cards, 3% on the portion above 10,000 USD withdrawn per month |
| Account maintenance fee | Waived |
- Card issuance feePaid once for each card type. A discount code can reduce it.
- Top-up feeCharged when you load coins. On top of this, the blockchain transfer cost is separate.
- Transaction feeCharged as a percentage of the payment amount.
- Paying in another currencyPaying in a currency other than your card's adds a currency conversion cost.
- ATM withdrawalsCharged when you withdraw cash with the physical card. The ATM operator may also charge a fee of its own.
These are the rates in the official fee schedule, effective December 1, 2025. They can change with card tier and policy, so check the latest values in the app and the official pages before applying.
Common questions
Can I use it in the country where I live?
It depends on your country of residence. There is a separate list of countries and regions where the service is not offered in the official help centre, but because it states that the list may change in line with international regulations, we do not copy it onto this site. Before signing up, check for yourself each time on the sign-up screen in the app and in the official help centre.
Are there any conditions I should check before applying?
RedotPay advises that you must be at least 18 years old and that one person may hold only one verified account. It also advises that your identity document must be valid for at least 3 more months as of the day you submit it, and that copies or screen captures are not accepted, only the original physical document. Identity details that have been registered can be corrected only once every 180 days, so check your date of birth and your identity document number again before you send them.
How long do I have to wait for a physical card after applying?
RedotPay advises that making the card alone usually takes 10 to 15 business days and can take longer over public holidays. After dispatch, delivery usually takes 3 to 10 days by express and 5 to 30 days by ordinary post, and it may be delayed by customs and the like. Even where a card can be made, there are separate countries and regions to which a physical card cannot be sent, so if you need a physical card, check the shipping restrictions in the official help centre before applying.
Do I really need a bank account?
Topping up with coins is the basic way of using it, so you can start without a bank account or a credit check. If you want to put in local currency, you can open a separate funding account, though RedotPay advises that only a few currencies are supported at the moment and that they are being added to. RedotPay advises that money paid into this account must be transferred from a bank account in your own name, and that a transfer from a company or business account may fail because the identity does not match.
I have never bought coins before - can I still start?
RedotPay advises that there is a marketplace inside the app where users buy and sell coins directly from one another, so that you can buy the stablecoins (coins that move in line with the value of the dollar) you will use for topping up without using a separate exchange. It advises that whether you can use it depends on the country, the regulations and the payment method, and that you must complete identity verification first. Keep both the conversation and the trade inside the app, and do not go along with offers to move outside the app to a messenger, as that is a scam technique.
Can I use the card as soon as it is created?
Once a virtual card has been issued, you can use it for online payments straight away. However, RedotPay advises that registering the card in payment apps such as PayPal or Google Pay takes time for the card details to be matched up, and that it usually works within 2 days and can take up to 5 days when it is delayed. If it does not work and you immediately try again several times in a row, the card may be locked for security reasons, so wait a little and then try again.
My card is locked although I did not freeze it. Why is that?
A card is sometimes locked temporarily for security reasons. RedotPay advises that the card is locked if you enter the wrong ATM PIN 3 times within 24 hours, or the wrong CVV (the security number on the card) or expiry date 3 times within 1 hour. While it is locked, online payments, in-store payments and ATM withdrawals are all unavailable, and RedotPay advises that a lock caused by entering the wrong CVV or expiry date is released by itself once 24 hours have passed.
What should I do if a payment is declined?
If a payment is declined, no money leaves your account. An amount may appear to be held for a moment, but RedotPay advises that this is only a temporary hold, that it is usually released by itself within 2 to 5 days and that there is therefore nothing you need to apply for. If there is no record at all in the payment history in the app, the payment was blocked by the shop or the site that sold the item, so ask them for the reason rather than asking about the card.
I was told I would be refunded, but the money is not arriving.
RedotPay advises that you must first request the refund directly from the place that sold you the item, and that RedotPay credits the money to your account once it has received it. It advises that if the seller says it has refunded you but the money has not arrived after 15 days, you should contact RedotPay customer support. The amount returned may be slightly less than the amount you originally paid, because the payment fee was not money the seller received and so does not come back with it. The refund goes back to the same card you paid with, so do not delete that card until you have received it all.
What happens if coin prices fall?
The value of the coins in your wallet falls along with it, so the amount you can spend goes down as well. On top of that, fees are added to the payment amount, so RedotPay advises that if your balance is exactly the same as the payment amount it may fall short and be declined. Keep a little more than the price of what you are going to buy.
Where do I enter a discount code?
You enter it in the code field on the card application screen. It cannot be entered once you have finished the application, so have it ready before you apply.
May I delete cards or accounts that I do not use?
RedotPay advises that a deleted card cannot be brought back, that you cannot pay with that card again, and that the issuance fee you have already paid is not refunded either. If anything was being charged automatically to that card, move it to another card in advance. Deleting an account is more serious. RedotPay advises that identity details that have once been verified are tied to that account, and that after the account is deleted you cannot pass identity verification again with those details.
What if I lose my card?
Freeze the card immediately on the card screen in the app and then apply for a new card. Do not confuse this with deletion, which cannot be undone. If the card has not been lost but you think the number of a virtual card has leaked, do not delete it, replace it in the app. RedotPay advises that when you replace it the card number stays the same and only the CVV (the security number on the card) and the expiry date change, so you have to update the card details you have saved to keep payments from being interrupted.
I sent coins on the wrong network. Can I get them back?
Money sent on the wrong network (the road along which coins travel; even the same coin has several roads and they do not connect to one another) does not arrive in your balance. Open the recovery request form on the deposit screen in the app, enter the unique number of the transfer record and the network, and submit the request with the address to which the money is to be returned. RedotPay advises that a separate processing fee applies to the request, that even in cases where recovery is possible it usually takes 7 to 15 business days, and that recovery is not guaranteed.
An email or message that claims to come from RedotPay - how can I check whether it is genuine?
RedotPay advises that if you set a phrase of your own in the security settings of the app, that phrase is printed in the emails RedotPay sends, so that you can recognise official emails quickly. Be suspicious of emails that have no phrase or that come from an address that is not the official domain, and instead of clicking a link in the email, open the app and check for yourself. RedotPay states that it never contacts you first to ask for your password or a verification code. Agents who approach you on a messenger are not an official channel.
What about tax?
The tax treatment of using or exchanging cryptocurrency differs from country to country. Check the rules where you live.
The names and positions of the menus in the app may change with app updates. Check the RedotPay official help centre for the latest information.
Check before you apply
- Available regionsIt is not usable in every country. The list of regions can change without notice.
- LimitsPayments and withdrawals have limits, which vary with your verification level and card tier.
- Price swingsWhen the value of your coins changes, so does the amount you can spend.
- Choosing a networkIf you pick the wrong network when loading, your assets can be hard to recover. Sending a small test amount first is one way to be sure.
- Policy changesFees and available regions can change without notice.
Get your card
Install the app, finish verification, and you can start with the virtual card straight away.
This is not the official RedotPay site; it is a guide that also provides a referral link. The button above is a referral link. Fees, issuance costs and available regions can change under RedotPay policy, so check the official information before applying. Crypto prices fluctuate and you can lose money.