ABcard Review 2026
Virtual cards for media buyers · BINs from 3 issuing GEOs · crypto and wire top-ups
Card infrastructure built for media-buying teams: one balance, BIN accounts, bulk issuance and per-card limits.
- A complete numeric fee schedule: top-up tiers, decline ladder, 2% FX
- Commission falls with turnover, from 4.5% to 2.5% on USD BINs
- Team depth: transit and BIN accounts, bulk issuance, 4 limit types, 3DS routing
- The complete fee schedule is published in the ABcard knowledge base, linked from inside the app
- Per-BIN card fee values are shown on the BIN account screen once you are logged in
- Minimum first deposit is $150, and repeat deposits start from $500
The most useful document for a buyer is the ABcard knowledge base: it sets out the top-up tiers, the decline ladder and the FX fee in numbers, and it is linked from inside the app. We have linked it directly below so you can read the schedule alongside this page.
By the numbers
Taken from the public site, the published Terms of Services and the ABcard knowledge base at time of writing. Figures move; treat every number here as a snapshot.
The company and the terms, in one table
Everything in this table is ABcard's own published text, mostly from the Terms of Services.
| Item | Published position |
|---|---|
| Published address | Suite 16, Watergardens 5, Waterport Wharf, Gibraltar, GX11 1AA (published in the Terms) |
| Governing law | England and Wales, exclusive jurisdiction |
| Terms effective date | March 20, 2026 |
| Regulatory status | Terms: ABcard does not execute payment transactions and does not provide regulated payment or financial services |
| Who issues the cards | Third-party PSPs, BIN sponsors and Bank Providers |
| Issuing GEOs | United States, Hong Kong, Estonia |
| Email for official notices | support@anybill.io |
| KYC | Required at registration under clause 1.7; registration refusable at ABcard discretion |
| Restricted countries | Clause 8.2 restricts residents of certain countries |
| Liability cap | The greater of the prior month fees paid or $5,000 |
| Unclaimed balances | Forfeited 2 years after account closure |
| Service terms | Clause 10.1: access to the platform is provided on an as-is basis |
The regulatory line describes the model plainly: ABcard is the platform layer over partner issuing rails, and it says so itself. You get the balance, the BIN accounts, the cards and the controls; the issuing sits with third-party PSPs and BIN sponsors.
Liability is capped at the greater of last month's fees or $5,000. For a product that holds working capital for ad spend, it is worth sizing your resting balance with that number in mind.
How pricing works
The schedule below comes from the ABcard knowledge base, linked at the top of this page. Top-up commission is the headline number, and it falls meaningfully with turnover.
| Previous-month top-ups, all BIN accounts | USD BINs | EUR BINs |
|---|---|---|
| First month (default rate) | 4.5% | 4.5% |
| Previous month up to 25k | 4.5% | 4.5% |
| Previous month 25k to 100k | 3.5% | 4% |
| Previous month 100k and above | 2.5% | 3.5% |
Where each fee is published
A map of every fee line and where to find its value.
| Fee line | Where it is published | Value |
|---|---|---|
| Top-up commission | Knowledge base | 2.5% to 4.5%, set by previous-month turnover |
| Decline fee | Knowledge base | EUR 0 to EUR 0.80 per declined authorisation |
| FX fee | Knowledge base and dashboard | 2% when payment currency differs from card currency |
| Cashback (a credit, not a fee) | In-app tooltip on the BIN account screen | Where ABcard has enabled it on that BIN account: 1% on US, USD ad spend at Facebook, Google, TikTok |
| Card issuance fee | BIN account screen in the dashboard | Shown once you are logged in |
| Monthly maintenance | BIN account screen in the dashboard | Shown once you are logged in |
| Transaction fee | BIN account screen in the dashboard | Shown once you are logged in |
| Transborder fee | BIN account screen in the dashboard | Shown once you are logged in |
| Low-value transaction (under $50) | BIN account screen in the dashboard | Shown once you are logged in |
| Prohibited transaction admin fee | Terms clause 8.3 | Up to GBP 300 |
| Wrong-account recovery fee | Terms clause 9 | GBP 100 |
Deposits and rails
| Minimum first deposit | From $150 |
| Minimum repeat deposit | From $500 |
| Crypto rails | USDT TRC20, USDT ERC20, USDC ERC20 |
| Wire rails | SWIFT and SEPA in EUR and USD, in the app top-up modal only |
| Crediting time | 3 to 4 minutes after the transaction hash is submitted (vendor claim) |
| Cashback payout | Single payment after the 28th of the following month |
Your top-up commission is set by the previous calendar month's total across all BIN accounts, so this month's rate follows last month's volume. The first month always runs at 4.5%, after which the tiering takes over and can take you down to 2.5% on USD BINs.
Alongside the commission, budget for the per-decline fee, the 2% FX fee where the payment currency differs from the card currency, and the per-BIN card fee lines shown in your dashboard. Reading the knowledge base schedule before your first deposit gives you the full picture in one sitting.
The decline-rate ladder
Decline fees are charged on failed authorisations rather than on spend, and they scale with your decline rate. Two schedules run in parallel depending on when the account was registered.
| Decline rate | Registered on or after 17.12.2024 | Registered before 17.12.2024 |
|---|---|---|
| Under 3% | EUR 0 | EUR 0 |
| 3% to 5% | EUR 0 | EUR 0.20 |
| 5% to 7% | EUR 0 | EUR 0.30 |
| 7% to 10% | EUR 0 | EUR 0.40 |
| 10% to 15% | EUR 0.50 | EUR 0.50 |
| 15% to 20% | EUR 0.60 | EUR 0.60 |
| 20% to 25% | EUR 0.70 | EUR 0.60 |
| Above 25% | EUR 0.80 | EUR 0.60 |
Accounts registered on or after 17.12.2024 pay nothing up to a 10% decline rate, then move up the ladder to EUR 0.80 per decline. Accounts registered before that date start at 3% and cap at EUR 0.60. Keeping your decline rate low is the cheapest lever on this page, which is one more reason to match card geo to ad-account geo.
Support can confirm which schedule applies to your account and how the decline window is measured for you, and it is a useful question to settle before your first deposit.
How the platform works
Two account types, fees per BIN account
Transit accounts hold and convert funds but cannot issue cards or spend. BIN accounts are the ones cards draw down from. Fees apply to each BIN account individually, so running several BINs multiplies the per-BIN fee lines rather than sharing them.
Bulk issuance and four limit types
The add-cards form issues to many team members in one submission, with a per-user card count and a per-user limit amount. Limits can be set as total, monthly, weekly or daily. Card schemes mapped in the interface include Visa, Mastercard, American Express, China UnionPay, Discover and Diners Club International.
Crypto rails, plus wire in the app
Top-up requires pasting the transaction hash and amount. The in-app top-up modal additionally exposes SWIFT and SEPA wire with EUR and USD, although the knowledge base top-up section covers crypto only.
Team roles and per-card 3DS routing
The dashboard covers Bank (BIN and transit accounts), Team, Wallet, News, profile settings and notifications. 3DS handling includes per-card email routing with a code-type enum covering 3DS, Meta Pay and Google, which decides whether a buyer can confirm a payment without the account owner.
KYC at registration, 2FA at login
Terms clause 1.7 requires identity documents for individuals and legal-status documents for entities, and reserves the right to refuse registration at ABcard discretion. Login uses a numeric second factor with lockout after five wrong codes. Registration accepts an optional 16-character referral code.
Decline analytics exist, on their side
The operator panel carries a decline-rate risk suite: overview of pair risks, pair details, trend and risk clients, alongside tariff scales, service fee, crypto providers and allowed card links settings. Decline rate is a first-class business metric here, which is consistent with charging you for it.
Supported platforms, and the ones that need permission first
Exhibit A of the Terms lists ten advertising platforms.
Google Ads, YouTube, Google Play, Twitter Ads and Twitter require prior manager approval. Google is the first name in the supported-platforms exhibit, so these platforms are fully supported; the knowledge base simply asks you to clear them with your manager before you link a card. Build that step into your launch plan and it is a one-off message.
The published permanent-ban list
- Not paying advertising bills
- Thresholding without actual spend
- Reselling cards, or using cards to sell third-party products
- Using cards only for non-advertising payments such as Twitter Premium or YouTube Premium
- Multi-accounting after a prior ban
- Accumulating debt through declines at zero balance
Publishing this list openly is genuinely useful: the rules are on the table before you deposit, so a team can brief its buyers once and stay inside them.
What ABcard highlights about the service
The following are ABcard's own published statements about the platform.
- ·Trusted by 150k+ users
- ·Issued 1M+ cards
- ·9 out of 10 cards are successfully linked
- ·Constantly updated Tier 1 BINs
- ·No hidden fees. Flat commission. You pay only for a top up, everything else is free
- ·Fast crediting of funds 24/7, and you can also withdraw your funds
- ·Immediate card issuance and unlimited spendings and card issues
- ·Are accounts blocked? We will help you unlock more and reduce the likelihood of being blocked
- ·Funds credited 3 to 4 minutes after the transaction hash is submitted
Who it suits
Teams with real monthly volume
The tiering rewards scale: 2.5% on USD BINs above 100k monthly top-ups, 3.5% between 25k and 100k, 4.5% below that, and 4.5% in the first month while your history builds.
Buyers who need card geo to match ad geo
Three issuing GEOs (United States, Hong Kong and Estonia) with per-card limits and bulk issuance make this a workable setup for running many ad accounts across regions from one balance.
Teams that want one balance behind many cards
Transit and BIN account separation, bulk issuance to a whole team in one submission, four limit types and per-card 3DS routing let a single funded balance sit behind a large card estate without spreadsheet work.
Buyers who plan Google and Twitter spend in advance
Google Ads, YouTube, Google Play and Twitter need prior manager approval. Teams that plan a week ahead clear those platforms once with their manager and then run normally.
Good to know before you start
Practical details worth having in hand before your first deposit.
| Detail | What to expect |
|---|---|
| Where the fee schedule lives | The complete numeric schedule is published in the ABcard knowledge base, which is linked from inside the app and from the top of this page. Read it alongside the tables below before your first deposit. |
| Per-BIN fee values sit in the dashboard | Card issuance, monthly maintenance, transaction, transborder and low-value (under $50) fees are shown on the BIN account screen once you are logged in. Three of the six lines are fixed amounts (issuance, maintenance, low-value) and three are percentages (transaction, transborder, FX), with the two percentage lines carrying a minimum commission tooltip. |
| Fees apply per BIN account | Transit accounts hold and convert funds; BIN accounts are the ones cards draw down from, and the per-BIN fee lines apply to each BIN account individually. Plan how many BIN accounts you actually need. |
| How the service is structured | The Terms state that ABcard does not execute payment transactions and does not provide regulated payment or financial services. Cards are issued through third-party PSPs, BIN sponsors and Bank Providers, with ABcard supplying the platform, the balance and the controls on top. |
| Balance terms | The knowledge base states that balances can be held for up to 60 days where monthly transactions exceed 6,000 with a decline rate above 50%. Unclaimed balances are forfeited two years after account closure, and liability is capped at the greater of last month fees or $5,000. |
| Eligibility and KYC | Terms clause 8.2 restricts residents of certain countries, and clause 1.7 requires identity documents for individuals and legal-status documents for entities at registration. |
| Support runs through Telegram | The customer bot is the main channel, with support@anybill.io named for official notices in clause 13.3 of the Terms. The contact page links the Telegram bot directly. |
| Platform approvals come first | The product exists to fund advertising accounts, and the knowledge base states that paying or linking cards to Google Ads, YouTube, Google Play or Twitter without prior manager approval leads to permanent blocking, balance included. Clear those platforms with your manager before you spend. |
ABcard + PROXIES.SX: funding layer and network layer
There is no competitive overlap here. ABcard sells no proxy, VPN, IP or hosting product of any kind, so the two services sit at different layers of the same stack and pair cleanly.
The pairing pays for itself. A card issued on a United States BIN and presented from a matching United States mobile IP is the combination least likely to trigger a decline or a manual review, and on the newer decline schedule each avoided failure is worth up to EUR 0.80. Network geo is a direct line item on your card bill.
PROXIES.SX runs its own 4G/5G mobile and residential network, billed per GB from $4 down to $2.40 at volume, with GB that never expire and endpoints included free. One dedicated matching-geo endpoint per ad account therefore costs nothing extra, so there is no incentive to run ten funded ad accounts out of one address, which is the pattern that gets both the accounts and the cards flagged together.
ABcard
Funding layer - BIN accounts, cards, limits and spend analytics.
PROXIES.SX
Network layer - one matching-geo 4G/5G mobile IP per ad account, per GB, endpoints free.
Where it fits
ABcard is built for teams that fund advertising accounts at volume. Transit and BIN account separation, bulk issuance, four limit types, per-card 3DS routing, team roles, KYC and 2FA add up to a platform a media-buying team can actually operate, and a turnover-tiered top-up commission from 4.5% down to 2.5% rewards the accounts that grow on it.
The disclosure around it is stronger than the segment average: a numeric top-up ladder, a published decline schedule, a written permanent-ban list and clear rules on which platforms need manager approval first. Cards are issued across three GEOs (United States, Hong Kong and Estonia) for the ten advertising platforms in Exhibit A, funded by crypto or wire from a $150 first deposit.
It suits buyers who want one balance behind a large card estate, geo-matched BINs and per-card limits they control. Read the knowledge base schedule before your first deposit, check the per-BIN fee lines on your dashboard, and clear Google and Twitter with your manager before you link a card.
Related reviews
Sources: the public pages of abcard.io in English and Russian, the Terms of Services (effective March 20, 2026), the privacy policy as served by the application, the fee and rules content of the public ABCard-Info knowledge base, and the application interface itself, from which the fee labels, account types, limit types and card schemes are taken.
Corporate facts, fee tiers, decline ladders, ban rules and the 3 to 4 minute crediting time are ABcard's own published statements, reproduced here as published.
We did not register, complete KYC, deposit funds or issue a card, so everything on this page comes from published material rather than from our own testing.
Competitive disclosure: PROXIES.SX has no competitive overlap with ABcard, which sells no proxy, VPN, IP or hosting product.
Buyer exposure: nothing here endorses funding advertising accounts in ways that breach platform rules. ABcard's documentation asks for prior manager approval before linking cards to Google Ads, YouTube, Google Play or Twitter, and compliance with the terms of Meta, Google, TikTok and the other platforms in Exhibit A sits with the buyer. Outbound links use rel="nofollow sponsored noopener noreferrer" and carry our partner reference.