> 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/how-to-use-card.md).

# How to Use Card

Your Bankly card is a Visa card you fund from your Bankly balance. Use it anywhere Visa is accepted, online and in store. This page covers paying, finding your card details, freezing, plan limits, and what to do if a payment is declined.

{% hint style="info" %}
New here? Start with [About Bankly Card](/card/about-bankly-card.md) to issue your first card.
{% endhint %}

## How the card is funded

Your card spends directly from your Bankly balance.

* Top up your Bankly balance with crypto (USDC, USDT, BTC, ETH, SOL, BNB). USDC mirrors your balance directly.
* Your wallet **Total balance** and any individual card balance are tracked separately.
* A payment goes through when the funding balance covers the purchase amount.

To review or top up your funds, open your [Portfolio](/wallet/portfolio.md).

## Pay online

1. At checkout, choose to pay by card (Visa).
2. Open the Bankly app or Telegram mini-app to view your card details.
3. Enter the card number, expiry date, and CVV.
4. Confirm the payment with the merchant.

{% hint style="success" %}
Your virtual card works online the moment it is issued.
{% endhint %}

## Pay in store

Physical cards ship in Q4 2026. Until then, use your virtual card for online and in-app purchases. When your physical card arrives, you can use it at any store or terminal that accepts Visa, online and in person.

## Where to find your card details

You can view your full card details securely inside Bankly:

1. Open the Bankly app or Telegram mini-app.
2. Go to your card.
3. Reveal the card number, expiry date, and CVV.

From the same screen you can also **freeze or unfreeze** the card and **delete** a card you no longer need.

## Freeze and unfreeze

Freezing instantly blocks new payments without affecting your balance.

* **Freeze** when your card is misplaced or you want to pause spending.
* **Unfreeze** to start using it again right away.

A frozen card will decline payments until you unfreeze it.

## Spending and account limits by plan

Your monthly account and spending limits depend on your [membership](/getting-started/membership.md) tier. Higher tiers raise your limits and lower your FX fee.

* **The Private Club** — no identity verification required; account limit $10,000/month, spending limit $10,000, FX fee 2.25%, bank transfer not available.
* **The Basic, Plus, Premium, and Black Clubs** — require identity verification, and limits increase as you move up the tiers.

{% hint style="info" %}
Spending in a foreign currency may include an FX fee that varies by tier. See [Membership](/getting-started/membership.md) for the limits and FX fee on each plan.
{% endhint %}

## If a payment is declined

Run through these checks in order:

1. **Balance** — confirm your funding balance covers the full amount. Top up in your [Portfolio](/wallet/portfolio.md) if needed.
2. **Frozen state** — check whether the card is frozen, and unfreeze it.
3. **Limits** — make sure the purchase is within your plan's monthly account and spending limits.
4. **Card details** — re-enter the card number, expiry, and CVV, and confirm the expiry date has not passed.
5. **Merchant** — confirm the merchant accepts Visa and try the payment again.

{% hint style="warning" %}
If a payment still will not go through after these checks, reach out to support from inside the app. Higher tiers include Concierge support.
{% endhint %}

## Related pages

* [About Bankly Card](/card/about-bankly-card.md)
* [Portfolio](/wallet/portfolio.md)
* [Membership](/getting-started/membership.md)


---

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