Sea of Cards: International Cards, Banks, and Application Requirements
Type
Payment system
A Sea of Maps
"More Kart" is a brokerage service for applying for cards from foreign banks. It does not offer its own virtual card with a single fee structure. The customer selects a bank and a specific product, and the service helps them complete the application process and gain access to the card.
As of the end of October 2026, the service offers cards from banks in Armenia, Belarus, and other countries. The list of banks and available products is subject to change. The offerings include both virtual and physical Visa and Mastercard cards. Terms vary by currency, validity period, service fees, reloading options, and mobile wallet support.
One specific product is a personalized MasterCard Virtual card from an Armenian bank with an account in USD or EUR. The card is valid for one year, and the annual service fee is 10,000 AMD. The card is issued based on a Russian passport in approximately two weeks. When selecting a virtual Mastercard on the order form, the price listed is 29,900 rubles; separate banking service fees are charged according to the bank’s rates. The total cost should be confirmed before making a prepayment, as the catalog displays prices for different packages simultaneously.
The terms will vary for other banks. The “More Kart” catalog offers:
- cards in USD, EUR, and local currencies;
- Visa and Mastercard;
- virtual and physical card formats;
- various top-up methods from Russia;
- banking apps, including those with Russian-language support;
- Apple Pay, Google Pay, or neither, depending on the bank;
- registration using a regular passport or a foreign passport;
- processing times ranging from a few hours to several weeks.
This is precisely why the terms and conditions of a single card cannot be applied to the entire service. “More Kart” is responsible for selection and support, while the banking product is issued by a foreign bank. Account management, limits, fees, account freezes, and transaction rules are determined by the issuing bank.
For paying for international online services, a virtual card may be cheaper than a physical card if the user doesn’t need ATMs or offline purchases. However, it’s important to check 3D Secure, the BIN country, the currency, and recurring charges. For travel, a full-featured plastic card that supports payment terminals and cash withdrawals is usually more convenient.
The cost of the service for some banking products starts at several tens of thousands of rubles. The total budget should include not only support but also the bank’s card maintenance fees, any power of attorney fees, delivery costs, and reload fees. Sometimes a more expensive card is offset by lower bank fees, and sometimes the opposite is true.
For the Armenian card, services are paid for in two installments: a 50% prepayment and 50% upon completion. The contract and the terms for refunding the prepayment in case of bank rejection are just as important as the processing fee. Whether you receive the card depends on the bank’s decision, which the intermediary cannot guarantee.
“More Kart” works with several banks, and the availability of the selected card program depends on the bank. Foreign banks adjust their requirements for non-residents, impose quotas, and change the list of required documents. Therefore, it is essential to confirm the terms before paying for the service, rather than relying on outdated reviews.
Questions and Answers
Does “More Kart” have its own virtual card?
No. The service helps users apply for cards from various foreign banks.
Can I get a virtual Mastercard?
Yes, the lineup includes banking products with a virtual Mastercard, but the terms depend on the specific bank.
How long does it take to get one?
It depends on the specific bank. It takes approximately two weeks to issue a MasterCard Virtual from an Armenian bank.
What documents are required?
It depends on the bank. For some offers, a Russian passport is sufficient; others may require additional documents.
Editor’s Opinion
“More Kart” should be compared to services that assist with opening a foreign bank account, rather than to instant prepaid cards. This format is more expensive and takes longer, but the customer receives a card from a specific bank, rather than just access to an intermediary card program. The catalog includes banking products from various countries, but the standard starting price does not reflect the final cost: it depends on the selected bank, the type of card, and additional bank fees. Before placing an order, it’s advisable to obtain a written breakdown for a specific bank: service cost, banking fees, terms, reloading, limits, Apple Pay/Google Pay, and procedures in case of bank refusal.
Ask a question to a company representative
