Flowbit Finance Virtual Card: Issuance and Funding
Type
Flowbit Finance
Flowbit Finance offers virtual cards for international online payments and contactless payments. The service operates through its own app and offers two product lines: Flowbit Online and Flowbit NFC. Virtual cards start at $9.99.
Flowbit Online is primarily designed for subscriptions and online purchases. Flowbit NFC supports Apple Pay and Google Pay and is also designed for mobile payments. Cards are issued remotely after registration and verification of user information.
Flowbit Finance rates as of November 2026:
- Virtual card issuance — starting at $9.99;
- Flowbit NFC transaction fee: $0.25;
- Flowbit NFC reload limit: up to $2,500 per month; limit per transaction: up to $2,500;
- For Flowbit NFC, the card’s validity period is two years;
- Flowbit NFC top-ups via the payment system — no separate fee; currency conversion is charged separately;
- Cashback of up to 0.25% on select transactions; cashback terms depend on the plan;
- Apple Pay and Google Pay are available on Flowbit NFC.
Verification is required to use the service. To use the card and increase your limits, you must complete identity verification. Therefore, this service should not be classified as a “no KYC” card.
Flowbit Online can be funded with cryptocurrency, while Flowbit NFC additionally supports the Single Bank Payment (SBP) system. The availability of this method depends on the card type and account settings. Terms depend on the selected product and whether you have a Plus subscription. The Plus plan reduces fees, increases limits, and provides priority support. Before subscribing, you should compare the cost of the subscription itself with the expected savings on transactions.
Flowbit Finance LLC-FZ is registered in the UAE. Funds and card transactions are handled by a partner bank; Flowbit does not store full card details. However, specific issuance terms and product availability may depend on the user’s country and verification results.
A separate feature has been introduced for internal transfers between Flowbit users based on card numbers, with a fee of 1% + $1. This is not the same as a standard bank card top-up. For regular use, it’s important to distinguish between the top-up fee, the transfer fee, and the cost of the card transaction.
Before issuing a card, you should check:
- whether the product is available in your country and with your documents;
- which card type you’ve selected—Online or NFC;
- the issuance fee;
- KYC requirements;
- the fee for your specific top-up method;
- Plus terms and conditions;
- support for the desired international service.
For paying for Flowbit Online subscriptions, this card may be sufficient without having to pay extra for mobile wallet features. If you also need the card for offline payments, you should choose a product with NFC and confirmed support for Apple Pay or Google Pay.
Questions and Answers
How much does a Flowbit Finance virtual card cost?
As of November 2026, prices start at $9.99.
Is verification required?
Yes. Issuance and use of Flowbit cards require identity verification.
Are Apple Pay and Google Pay supported?
Yes, Flowbit NFC supports Apple Pay and Google Pay.
What are the limits?
The Flowbit NFC limit is up to 2,500 USD per month for reloads and up to 2,500 USD per transaction. Online limits and Plus terms may vary.
Editor’s Opinion
Flowbit operates through an app and requires verification to access card features. This makes the sign-up process less anonymous, but at the same time offers a more transparent model with high limits and a separate card for Apple Pay and Google Pay. The starting issuance fee is $9.99 as listed on the main page, and the total cost depends on the card type, top-ups, and Plus terms. If you top up the card with cryptocurrency, the commission rate becomes more significant than the initial issuance fee. For small subscriptions, it’s worth calculating the costs in advance, and for large payments, pay attention to the limits, verification requirements, and the partner bank’s rules.
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