> For the complete documentation index, see [llms.txt](https://docs.bankly.cc/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bankly.cc/card/about-bankly-card.md).

# About Bankly Card

The Bankly card is a Visa card you fund from your Bankly balance. Top up with crypto, and spend like any other Visa — online and in store, anywhere Visa is accepted.

{% hint style="info" %}
You spend your own money. There is no credit, no loan, and no interest. The card draws from the funds you have already deposited.
{% endhint %}

## What the card is

* A **Visa card**, accepted everywhere Visa works — online checkouts and in-store payments.
* Funded directly from your **Bankly balance**, which you top up with crypto.
* Available as a **virtual card instantly**, with a **physical card shipping in Q4 2026**.
* Managed entirely in-app: view details, freeze, and control your card whenever you need.

## Virtual and physical

* **Virtual card** — issued instantly after you set it up. Use it online and add it to your mobile wallet right away.
* **Physical card** — ships in **Q4 2026** for tap-and-pay and in-store use.

## Security and control

Your card lives in the app, and you stay in control of it at all times.

* **View securely** — see your card number, expiry, and CVV inside the app when you need them.
* **Freeze and unfreeze** — pause your card instantly if you misplace it, then unfreeze just as fast.
* **Set a PIN** — a 6-digit PIN protects your account and purchases.
* **Delete a card** — remove a card you no longer use, straight from the app.

{% hint style="success" %}
Your wallet **Total balance** and any individual card balance are kept separate, so your deposited funds stay distinct from what is loaded on a card.
{% endhint %}

## You spend your own balance

The Bankly card is not a credit card. There are no loans, no collateral, and no credit line. Every payment comes from the US dollars in your Bankly balance — simple, predictable, and yours.

## Next steps

* [How to Issue a Card](/card/how-to-issue-card.md) — create your virtual card in a few taps.
* [Membership](/getting-started/membership.md) — see how card type, limits, and cashback change by tier.


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