A single card linked to your multi-currency Kunga balance. Pay in euros where you spend euros, in dollars where you spend dollars, and convert automatically from your USDC balance whenever you need to, at the live exchange rate, with no hidden spread.
No commitment · Virtual card · We'll let you know when it's ready
So you can see exactly how the card will integrate with your multi-currency Kunga balance.
Your card will work at any physical store, e-commerce site or international ATM that accepts debit cards on the network supported by the issuing partner (Visa or Mastercard, to be confirmed before launch). You pay just like with any debit card: chip + PIN, contactless, Apple Pay, Google Pay.
At the point of sale
Exact functionality may vary between the initial launch and later versions. People on the waitlist will receive the confirmed details before anyone else.
Kunga's transparency philosophy applied to the daily reality of card spending.
Traditional cards and many neobank cards apply a 0.5–2% spread when you pay in a currency other than your own, especially on weekends or outside business hours. With the Kunga card, the exchange rate will be the live market rate, with no margin added on our part, and it's recorded in the push notification and in your history.
On €20,000 of annual spending in foreign currency, that's between €100 and €400 you stop losing to hidden spread every year.
If today you keep one card for EUR, another USD card for the U.S. and a separate wallet for USDC that you convert manually, this card unifies it all. You set which balance to use based on the transaction currency, or let Kunga automatically pick the most efficient one.
It saves you several physical cards, remembering which one to use, anticipated manual conversions and transfer fees between accounts.
You keep your balance in USDC (a stable operating layer, not an investment) and convert at the exact moment of payment, not before. If you receive in USDC, you spend in USDC; if you receive in EUR, you spend in EUR.
If on a given day you pay in MXN, you convert only that amount at that moment, not your whole reserve in advance.
You spend in the country's local currency with no surprise surcharges. In the U.S. you charge from your USD balance; in Mexico, from your MXN. If you don't have a balance in that currency, you automatically convert from USDC at the market rate.
Shop on an American, British, Chinese or Latin American site without your bank applying a spread on every transaction. The exchange rate applied is the real one, not the one your bank decides.
Netflix, Spotify, Adobe, ChatGPT Plus and other tools that bill in USD, paid from your USDC without losing money on each charge. On 100 USD/month, the annual saving comes to around 20–30 USD in spread.
Withdraw cash in the local currency of the country you're in. The fee (if any) is shown before you confirm, not after you discover it on your statement.
The Kunga card is a functional tool to manage multi-currency spending, not a premium product with lifestyle perks. Here's what to expect.
If you have a specific use case that doesn't appear above, tell us when you join the waitlist and we'll evaluate it for future versions.
Exact pricing will be defined and communicated before launch, together with the issuing partner. Our commitment is to keep Kunga's current philosophy applied to the card as well:
You'll receive the exact terms (issuance cost if any, maintenance if applicable, per-transaction fees) before the public launch. You'll be able to decide whether to accept them before activating the card. No commitment or automatic charges for being on the waitlist.
A card is only as secure as the control tools you have over it. Here's what will come built in.
Lose your card or get it stolen: lock it in 2 seconds. Reactivation is just as fast if you recover it. No call center, no waiting.
Set daily, weekly or per-transaction limits. Different ones for ATM, online and in-store. For business, per team member.
Payments above a configurable threshold require additional confirmation from the app before being approved. It protects you even if someone had your physical card.
Every charge appears instantly on your phone. If you see one you don't recognize, you lock and report it right from the notification, without waiting for your statement.
For now the card is virtual: it's added to your phone's wallet when you activate it and you pay with your phone. The physical version will arrive later.
We'll notify you by email when the card is available for your country. No commitment, you can unsubscribe at any time.
The launch is in the final stage of development. We won't commit to a specific public date until it's confirmed with the issuing partner and regulatory availability is in place per jurisdiction. People on the waitlist will be the first to know once there's a confirmed date.
For now, virtual. It will be available instantly once activated, ready to add to Apple Pay or Google Pay and pay with your phone. The physical version will arrive later; people on the waitlist will be the first to know.
Exact pricing will be confirmed before launch. We maintain Kunga's philosophy of total transparency: any cost will be visible before you accept the terms, and people on the waitlist will be the first to know.
Availability by country will depend on the issuing partner and the applicable local regulations. When you join the waitlist you indicate your country of residence (or of incorporation, in business mode) and we'll notify you specifically when the card is operational for you, not before.
Yes. It's one of the card's key propositions. You set in the app that your USDC balance is your default funding source, and each payment is converted at the live exchange rate from USDC to the transaction currency, with no spread added on our part.
Yes. Both stablecoins (USDC and USDT) can be configured as a balance source. As with the rest of Kunga's operations, we recommend USDC as your main balance for its stronger regulatory framework, but USDT will be available for anyone who prefers to operate with that stablecoin.
Yes. Business operations will include assigning individual cards to each team member, with configurable limits (daily, weekly, per transaction), automatic expense categorization and accounting export. The specific flow configuration will be confirmed before launch.
Nothing. Being on the waitlist creates no commitment or charge. When the card is available we'll send you the exact terms and you'll be able to decide whether to activate it or not. You can also unsubscribe at any time from the email you'll receive or by writing to support.