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7,000+ gift cards5 cards

Visa & Mastercard, ready in minutes

Get a virtual Visa or Mastercard in minutes, top it up from your wallet and pay for subscriptions, tickets and foreign orders without a middleman.

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  • Netflix
  • Spotify
  • ChatGPT
  • Steam
What you get

Virtual cards, phone payments, gift cards and a wallet, all in one account.

Virtual Visa & Mastercard

Five cards, issued in minutes and ready to spend right away.

Apple Pay & Google Pay

Add your card to your phone and pay with a tap.

7,000+ gift cards

PlayStation, Amazon, Apple and other brands, for the country you need.

Top up with USDT

Top up with USDT once, then use that balance to load cards or buy gift cards.

Why Arz Bank

Every fee shown up front

A card ready in minutes

Real people, not bots

3D Secure on every purchase

One wallet for every purchase

Web panel and mobile app

Our cards

Five virtual Visa and Mastercard cards, each suited to a different kind of spending. Pick one to see the details.

A sunlit desk above the city with a laptop and warm gold light

Regulus

Our flagship card, with the highest limits.

Higher limits, every wallet and the widest acceptance we offer. Regulus is for the big purchases, ad accounts and business tools.

  • Ad accounts
  • Big purchases
  • Business SaaS

VisaUSDUnited States

Issue fee from

$29

then $2.99 a month

  • 3DSSupported
  • PaySupported
  • PaySupported

You always see the final amount before you pay.

Order cardCard details
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How it works

  1. Sign up

    Open your account with just an email, in a minute. No paperwork, no branch visit.

  2. Top up your wallet

    Send USDT to your wallet. Your balance updates as soon as the transfer confirms.

  3. Get your card

    Choose one of five cards. It is ready in minutes, and you load it from your wallet.

  4. Start paying

    Shop on foreign sites, or add the card to Apple Pay or Google Pay and pay by phone.

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Use cases

Travel, subscriptions, shopping, games or ads: for each one, a card with the right fees and limits.

  • A suitcase in a sunlit airport terminal
    Best withPolaris

    Travel

    Book flights and hotels before you go, then just tap your phone to pay when you land.

    Monthly fee
    $1.99
    Per transaction
    $5,000
  • Headphones resting on a tablet in daylight
    Best withAstra

    Subscriptions & AI

    Streaming, music and AI tools on one euro card, renewed on time every month.

    Card currency
    EUR
    Monthly fee
    €1.49
  • Online checkout on a laptop
    Best withStella

    Online shopping

    Order from global stores with a simple, low-cost card. A good place to start.

    Issue fee
    $9
    Monthly fee
    $0.99
  • Hands holding a handheld game console
    Best withCapella

    Gaming

    Games, in-game items and store credit, paid in seconds with a small fee.

    Top-up fee
    2.5%
    Monthly fee
    $1.49
  • A marketer reviewing campaign results on a large monitor
    Best withRegulus

    Ads & business

    Run Google and Meta ads and pay for business tools with our highest limits.

    Per transaction
    $10,000
    Monthly limit
    $50,000
Find your card
Pricing

Issue, monthly and top-up fees for all five cards, side by side. Switch to Limits for transaction and balance caps.

Show fees or limits

Polaris

Best for travel and bookings

$19One-time issue fee

Monthly fee
$1.99
Top-up fee
2%
  • 3D Secure checkout
  • Apple Pay
  • Google Pay
  • Balance in US dollars
  • Issued in: Hong Kong
Get this card

Regulus

Best for ads and big spends

$29One-time issue fee

Monthly fee
$2.99
Top-up fee
2.5%
  • 3D Secure checkout
  • Apple Pay
  • Google Pay
  • Balance in US dollars
  • Issued in: United States
Get this card

Astra

Best for subscriptions and AI

€14One-time issue fee

Monthly fee
€1.49
Top-up fee
2%
  • 3D Secure checkout
  • Apple Pay
  • Google Pay
  • Balance in euros
  • Issued in: European Union
Get this card

Stella

Best for everyday shopping

$9One-time issue fee

Monthly fee
$0.99
Top-up fee
3%
  • 3D Secure checkout
  • No Apple Pay
  • Google Pay
  • Balance in US dollars
  • Issued in: United Kingdom
Get this card

Capella

Best for games and app stores

$12One-time issue fee

Monthly fee
$1.49
Top-up fee
2.5%
  • 3D Secure checkout
  • Apple Pay
  • Google Pay
  • Balance in US dollars
  • Issued in: Singapore
Get this card

You’ll see the final amount in your account before you pay. Compare all cards

Web panel & mobile app

Manage cards, wallet and gift cards in the web panel or the mobile app. Every change shows up in both.

platform.arzbank.com
ArzBank web panel overview: a €1,150.00 wallet balance with quick actions, this week's top-ups and spending, and the card stack

Web panel

platform.arzbank.com
  • A full dashboard on a big screen
  • Detailed transactions and statements
  • Open and track support tickets
Open web panel
Who it’s for

A freelance designer in a softly lit studio

Adobe, Canva and ChatGPT renew every month on Astra, so client work never stalls on a declined payment.

Freelance designer

Astra cardPays for:AdobeCanvaChatGPT
Popular merchants

From subscriptions and ads to bookings and games: pay the sites you already use with the card built for the job.

See all cards
Gift card catalog

7,000+ gift cards from brands you love

From Apple and PlayStation to Steam and Amazon, for stores in many countries. Pay from your wallet and get the code instantly.

  • Apple
  • PlayStation
  • Netflix
  • Steam
  • Spotify
  • Xbox
  • Google Play
  • Airbnb
  • Starbucks
  • Roblox
  • H&M

Brands in the catalog

AppleGoogle PlaySteamPlayStationXboxNetflixSpotifyAirbnb
NikeAdidasStarbucksRobloxRazerDisney+Booking.com
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FAQ

From wallet top-ups to Apple Pay, the quick answers are here. The FAQ page has the rest.

Arz Bank lets you buy from international sites and apps, pay for subscriptions and pay with your phone. You top up your wallet, get a virtual Visa or Mastercard, and the same account opens up 7,000+ gift cards.

In the wallet top-up section, choose a deposit method, for example USDT or another stablecoin. Copy the address and network the panel shows exactly, then send from your own wallet or exchange. The panel always lists the methods currently available.

Apple Pay works with Regulus, Polaris, Astra, and Capella, and Google Pay with every card. Each card's page shows its wallet support too.

Compare cards

Three kinds: a card issue fee, a monthly fee and a top-up fee, which is a percentage of the amount. The exact figures are on each card's page, and you always see the final amount in the panel before you pay.

Compare cards

Once your wallet is funded, issuing a virtual card usually takes just a few minutes. You see the card number, expiry date and CVV in the panel and the app straight away.

Ready when you are

Sign up, top up your wallet and order the card that fits. All online, no in-person visits.

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