5CARD: Virtual Cards from Foreign Banks - Terms and Conditions
Type
Payment system
5KART
5CARD is a service for applying for foreign bank cards online. The company has been in operation since 2022 and offers both physical and virtual bank cards from CIS countries.
5CARD does not have its own card with a single set of fees. The service selects a banking product, and a specific foreign bank acts as the issuer. Therefore, the cost, currency, expiration date, limits, and funding methods must be checked separately for each card.
5CARD’s 2026 materials describe two significantly different virtual products. These are examples of banking offers, not a single pricing plan for all of the service’s cards.
The first option is a multi-currency personalized card:
- currencies: USD, EUR, KZT, RUB, AED, and TRY;
- issuance takes approximately 1–2 days;
- valid for 5 years;
- supports Apple Pay and Google Pay;
- top-ups from Russia via a partner’s infrastructure;
- In the example provided, the bank issuance fee is 15 USD, the brokerage account deposit is 100 USD, and the first-year ownership costs are 125 USD;
- minimum balance: 10 USD;
- Suitable for regular purchases and subscriptions in various currencies.
The second option is a more affordable card from the Bank of Tajikistan:
- account currency: TJS;
- express issuance available;
- valid for up to 10 years;
- Issuance under this banking program costs 50 TJS per year; account opening and maintenance are free;
- top-ups from Russia via phone number through a number of banks;
- Limits: 30 transactions per day and 150 per month;
- Payments in USD/EUR are converted from TJS.
The 5CARD catalog also includes virtual Mastercards from other CIS banks. Some offers feature cards in USD or EUR, a credit BIN, and support for Apple Pay/Google Pay.
The main difference between 5KART and fintech services that issue cards instantly is that the customer receives a bank card from a specific foreign bank. This provides a more transparent banking infrastructure, but the application process may be more expensive and take longer.
The cost consists of several components:
- 5CARD’s services;
- foreign bank fees;
- issuance and maintenance fees;
- any required deposit or minimum balance;
- currency conversion upon deposit;
- additional services, if needed.
Therefore, it is incorrect to compare products based solely on the lowest price. A cheaper card may be issued in TJS and involve currency conversion, while a more expensive card may offer USD or EUR and lower fees for regular international purchases.
For subscriptions billed in dollars, a USD card makes more sense if the monthly amount is large enough. For occasional purchases, a simpler card with a low sign-up fee may be more cost-effective, even if it involves an additional currency conversion.
The account currency affects the final amount: with a Tajik card, funds are held in TJS, and a currency conversion applies when paying a bill in dollars. Multi-currency options include accounts in USD and EUR, but they require a higher initial deposit. Therefore, an option with low bank fees won’t necessarily be cheaper if you have a large number of dollar-denominated subscriptions.
Apple Pay and Google Pay are not available equally across all banks. You should check for support for each specific card, as well as for 3D Secure, purchase limits, and chargebacks.
Questions and Answers
Does 5KART issue its own cards?
No. The service helps you apply for cards from foreign banks remotely.
Are there virtual cards?
Yes. The catalog includes several virtual banking products with different currencies and validity periods.
Can I add funds from Russia?
For some cards, transfers from Russian banks or through partner channels are available.
Are Apple Pay and Google Pay supported?
For certain virtual cards, yes. This feature depends on the specific bank and product.
Editor’s Opinion
5CARD helps you find a bank card in a specific country, rather than just selecting a BIN from a single platform. This is an important advantage for long-term use: the customer understands which bank issues the card and what its banking fees are. However, the large number of options makes comparison more difficult. You shouldn’t choose a card based solely on the lowest price. For subscriptions, it’s important to consider the total annual cost of ownership, currency conversion, and reloading fees. For travel, Apple Pay/Google Pay, cash withdrawals, and the BIN type are also important. Choosing a card on 5CARD depends on the bank’s country, currency, top-up method, and your specific needs.
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