Terbium Wallet: Virtual Cards and Terms of Service
Type
Payment system
Terbium Wallet
Terbium Wallet is positioned as a digital wallet with virtual Visa and Mastercard cards. You can fund your Terbium Wallet via the Single Payment Portal (SPP), bank cards, and cryptocurrency; card management is available at app.terbium-wallet.com.
Terbium Wallet works with virtual Visa and Mastercard cards, and top-ups are available via the Single Payment Gateway (SPG), bank cards, and cryptocurrency. However, there is no publicly available unified fee schedule; prices, fees, and the issuer must be verified within the app.
Available:
- virtual Visa and Mastercard cards;
- top-ups via the Single Payment System (SPS);
- top-ups via bank card;
- top-ups via cryptocurrency;
- management via the web app;
- a dedicated support channel.
However, publicly available information did not confirm a uniform issuance fee, service fee, transaction fees, limits, issuing bank, or the country associated with a specific BIN. These characteristics may depend on the card program available to the user at the time of application.
For this type of product, it’s especially important to look beyond just the issuance fee. The total cost consists of the deposit fee, the exchange rate, any potential payment fees, and charges for declined transactions. If the service displays this information only before confirmation, it’s worth comparing it with the actual amount credited to the card.
The presence of a Visa or Mastercard does not in itself guarantee payment for any foreign service. The merchant may verify the BIN country, currency, 3D Secure, the cardholder’s address, and the account region. Therefore, for subscriptions, the compatibility of the specific card program is more important than just the name of the payment system.
If you need the card for recurring payments, you should check whether recurring charges are allowed and the card’s expiration date. For one-time payments, the minimum top-up amount and the ability to refund the remaining balance are important. For travel, you’ll also need to confirm support for Apple Pay or Google Pay and the rules for offline transactions. The availability of these features depends on the selected card program.
A separate issue is the legal structure and the issuer. In Terbium Wallet’s publicly available materials, the main focus is on the wallet’s functionality, rather than on disclosing the banking partner. For a payment product, this is a crucial factor: it is the issuer that determines the card’s rules, potential blocks, limits, and the handling of disputed transactions.
Therefore, it’s wise to use Terbium Wallet only after reviewing the terms and conditions within your account. Before making a deposit, you should confirm the issuance fee, commission, currency, BIN country, limits, and refund policy. If this information is not displayed, it’s best to request it from customer support before transferring funds.
Questions and Answers
What types of cards does Terbium Wallet offer?
Virtual Visa and Mastercard cards are available.
How can I add funds to my account?
We accept payment systems, bank cards, and cryptocurrency.
Are the fees published?
There is no single, publicly available fee schedule covering all transactions. Check the app for exact amounts.
Is the issuing bank known?
The issuing bank for a specific card is not disclosed in publicly available materials.
Editor’s Opinion
Terbium Wallet offers several ways to add funds, including via the Single Bank Payment System (SBP). However, a single public table of fees, the BIN country, and the issuing partner are not disclosed. For a virtual card, this is a significant factor: it’s impossible to assess the actual cost based solely on the presence of a Visa or Mastercard logo. Before issuing the card, it’s worth obtaining a specific cost estimate, verifying the issuer, and finding out what fees apply to top-ups and payments. If this information is displayed in the app before confirmation, the product can be compared with competitors based on total cost. If not, the risk of unexpected fees is higher. It makes sense to deposit a large balance only after verifying the rules for blocking, refunds, and the actual card fees. The fixed cost of issuance and reloading cannot be determined without a calculation within your existing account.
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