Ripio · VISA

Ripio Card

Name: Ripio Card
Brand: Ripio

Available

A regional prepaid Visa for spending pesos or selected crypto with crypto cashback.

Official website ↗Compare this card →Company and locations →

Documented changes

Observed 2026-10-05

Ripio publishes separate Argentina and Brazil card terms

The directory now separates the two live country programs. Argentina's agreement makes foreign transactions and ATM withdrawals conditional on account enablement and applies the BNA seller rate × 1.03 plus taxes to enabled foreign use. Brazil publishes a 5% foreign-currency fee, BRL 6.90 at Rede24Horas, and a BRL 500 monthly cashback cap; its virtual card is online-only and physical issuance is reviewed.

Ripio / Digipayments ↗

Observed 2026-10-05

Brazil's advertised first-month bonus conflicts with expired legal terms

Ripio's Brazil product page still advertises 4% crypto / 1% BRL cashback during the first 30 days, while its card terms say that promotion ended December 31, 2024. The directory counts only standing rates of 2% crypto / 0.5% BRL and lists the marketing/legal discrepancy for users to verify in-app. Argentina separately caps card cashback and promotions at ARS 50,000 per month.

Ripio / Dock ↗

Documented terms

Plan price: Argentina and Brazil advertise no maintenance fee; Brazil terms also list no annual fee
Issuance and shipping: Argentina advertises free virtual and physical cards. Brazil lists free enrollment; physical issuance is subject to review, virtual use is online-only, and a second replacement card costs BRL 9.99
Per-purchase fee: Not yet verified
FX and conversion: Argentina: foreign use only when enabled, at the BNA seller rate x 1.03 plus applicable taxes. Brazil: 5% foreign-currency fee. Confirm the account quote
Top-ups: Argentina card purchases debit ARS or a selected supported crypto balance; Brazil supports BRL or crypto funding and converts crypto for prepaid purchases
ATM: Argentina's marketing page lists Link/Banelco but agreement requires ATM access to be enabled. Brazil terms list BRL 6.90 at Rede24Horas; operator fees may apply
Rewards and limits: Standing rates: 2% on crypto-funded purchases and 0.5% on ARS/BRL-funded purchases. Argentina caps monthly card rewards and promotions at ARS 50,000; Brazil caps cashback at BRL 500. Brazil marketing's first-month 4%/1% offer conflicts with legal terms that expired it in 2024
Eligibility: Ripio publishes local card terms in Argentina and Brazil; account KYC and approval apply. The Brazil physical card is subject to internal review, and Argentina ATM/foreign use depends on in-app enablement
Custody: Not yet verified

A plan with verified numerical rules has not yet been recorded for this profile.

Sources and dates

Each source states what it documents and when it was checked. An older reference does not confirm every current cost.

Ripio Argentina: Ripio Card ↗
Argentina prepaid Visa, ARS or crypto funding, virtual and physical formats, wallet support, no-maintenance claim, advertised Link/Banelco withdrawals, and 2% crypto / 0.5% ARS cashback with a first-month promotion.
Checked 2026-10-05
Ripio: Pay with crypto ↗
Crypto conversion at purchase, Visa merchant use, ATM networks, contactless flow, and crypto-funded cashback. Local card rights remain governed by country-specific terms.
Checked 2026-10-05
Ripio / Digipayments: Ripio Card terms and conditions (Argentina) ↗
Argentina card agreement: prepaid Visa issued with Digipayments and Pomelo; first card and usage have no fee; foreign transactions are only available if enabled and use the BNA seller rate multiplied by 1.03 plus applicable taxes; ATM withdrawals are conditional on enablement. This conflicts with broader product-page language, so confirm in-app access and fees.
Checked 2026-10-05
Ripio Brazil: Cartao Cripto Ripio ↗
Brazil-specific prepaid Visa page: BRL or crypto funding, virtual and physical formats, virtual use for online/QR purchases, physical Visa purchases, no maintenance, and marketing cashback rates of 2% crypto / 0.5% BRL. It still advertises a first-30-day 4% / 1% promotion that conflicts with the published legal end date.
Checked 2026-10-05
Ripio / Dock: Ripio Card terms and conditions (Brazil) ↗
Brazil card terms updated April 22, 2026: 2% crypto / 0.5% BRL cashback with a BRL 500 monthly cap; free enrollment and annual fee; Rede24Horas ATM fee BRL 6.90; 5% foreign-currency fee; virtual card is online-only and physical issuance is subject to internal review; current terms date the 4% / 1% first-month promotion only through December 31, 2024.
Checked 2026-10-05

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Lemon Card →belo Mastercard →TruBit Card →

Guides to costs, cashback and custody →

Documented changes

Observed 2026-10-05

Ripio publishes separate Argentina and Brazil card terms

Ripio / Digipayments ↗

Observed 2026-10-05

Brazil's advertised first-month bonus conflicts with expired legal terms

Ripio / Dock ↗

Documented terms

Plan price

Argentina and Brazil advertise no maintenance fee; Brazil terms also list no annual fee

Issuance and shipping

Argentina advertises free virtual and physical cards. Brazil lists free enrollment; physical issuance is subject to review, virtual use is online-only, and a second replacement card costs BRL 9.99

Per-purchase fee

Not yet verified

FX and conversion

Argentina: foreign use only when enabled, at the BNA seller rate x 1.03 plus applicable taxes. Brazil: 5% foreign-currency fee. Confirm the account quote

Top-ups

Argentina card purchases debit ARS or a selected supported crypto balance; Brazil supports BRL or crypto funding and converts crypto for prepaid purchases

ATM

Argentina's marketing page lists Link/Banelco but agreement requires ATM access to be enabled. Brazil terms list BRL 6.90 at Rede24Horas; operator fees may apply

Rewards and limits

Standing rates: 2% on crypto-funded purchases and 0.5% on ARS/BRL-funded purchases. Argentina caps monthly card rewards and promotions at ARS 50,000; Brazil caps cashback at BRL 500. Brazil marketing's first-month 4%/1% offer conflicts with legal terms that expired it in 2024

Eligibility

Ripio publishes local card terms in Argentina and Brazil; account KYC and approval apply. The Brazil physical card is subject to internal review, and Argentina ATM/foreign use depends on in-app enablement

Custody

Not yet verified

Sources and dates

Each source states what it documents and when it was checked. An older reference does not confirm every current cost.

Ripio Argentina: Ripio Card ↗

Argentina prepaid Visa, ARS or crypto funding, virtual and physical formats, wallet support, no-maintenance claim, advertised Link/Banelco withdrawals, and 2% crypto / 0.5% ARS cashback with a first-month promotion.

Checked 2026-10-05

Ripio: Pay with crypto ↗

Crypto conversion at purchase, Visa merchant use, ATM networks, contactless flow, and crypto-funded cashback. Local card rights remain governed by country-specific terms.

Checked 2026-10-05

Ripio / Digipayments: Ripio Card terms and conditions (Argentina) ↗

Argentina card agreement: prepaid Visa issued with Digipayments and Pomelo; first card and usage have no fee; foreign transactions are only available if enabled and use the BNA seller rate multiplied by 1.03 plus applicable taxes; ATM withdrawals are conditional on enablement. This conflicts with broader product-page language, so confirm in-app access and fees.

Checked 2026-10-05

Ripio Brazil: Cartao Cripto Ripio ↗

Brazil-specific prepaid Visa page: BRL or crypto funding, virtual and physical formats, virtual use for online/QR purchases, physical Visa purchases, no maintenance, and marketing cashback rates of 2% crypto / 0.5% BRL. It still advertises a first-30-day 4% / 1% promotion that conflicts with the published legal end date.

Checked 2026-10-05

Ripio / Dock: Ripio Card terms and conditions (Brazil) ↗

Brazil card terms updated April 22, 2026: 2% crypto / 0.5% BRL cashback with a BRL 500 monthly cap; free enrollment and annual fee; Rede24Horas ATM fee BRL 6.90; 5% foreign-currency fee; virtual card is online-only and physical issuance is subject to internal review; current terms date the 4% / 1% first-month promotion only through December 31, 2024.

Checked 2026-10-05