Yello Card: Virtual Card, Terms and Fees
Type
Payment system
Yello Card
Yello Card is a service that issues virtual cards from a foreign bank for online payments and purchases outside of Russia. The service offers two main card options: Standard and Ultima+. The terms and compatibility vary significantly, so you should choose a card based on your specific payment needs.
Yello Card is registered in Sharjah Media City, UAE, under number 2542307. The card is issued individually through a foreign banking partner. You should verify specific information about the issuer and the country of issuance in the documents and your personal account before paying for the card.
Rates as of November 2026:
- Standard – issuance fee: 1,699 rubles;
- Ultima+ – issuance fee: 2,999 rubles;
- Standard and Ultima+ maintenance—free;
- Top-ups in rubles via the SBP system—no service fee;
- Transaction fee for a successful transaction: 0.80 USD for Standard and 0.50 USD for Ultima+;
- Card details become fully available after the first successful top-up.
According to the published compatibility table, the Standard plan is not compatible with ChatGPT, Claude, Google Play, and the App Store. The Ultima+ plan is suitable for such payments. Acceptance of a specific transaction depends on the account’s country, the issuer, and the platform’s rules.
The plans differ in their list of compatible services and the ability to pay by phone. Yello Card maintains its own compatibility chart with the date of the last update. As of the end of October 2026, it included hundreds of services.
The Standard plan is designed for a more limited set of payments. Standard does not support payments for ChatGPT, Claude, Google Play, or the App Store. However, certain services, including Booking.com, Spotify, GitHub Copilot, Adobe, Canva, and Figma, are marked as compatible as of the verification date.
Ultima+ has a broader compatibility list. Ultima+ is suitable for payments to ChatGPT, Claude, Google Play, the App Store, and a number of other international platforms, subject to the specific merchant’s restrictions. Ultima+ can be added to Apple Pay, Google Pay, and Alipay where wallet and regional requirements are met.
Top-ups are processed via the Single Payment System (SPS) in rubles. Before the transfer, the service displays a breakdown of the total amount. After confirming the payment, the card issuance process begins, and the status is displayed in your account. Once issuance is complete, your balance, top-up options, and payment details are available there.
It’s important to note that compatibility with specific international services may vary. Payment depends not only on Yello Card but also on the issuing bank, the country of issuance, the merchant’s payment gateway, the service’s own rules, and anti-fraud checks. Therefore, a successful verification in the catalog does not guarantee future payments indefinitely.
Before issuing the card, you should check:
- whether the selected plan supports the desired service;
Yello Card should not be confused with a Russian bank. It is a service through which users receive a virtual card from a foreign bank. Because of this, it is especially important to understand separately who the card issuer is and what rules apply to a specific card.
Questions and Answers
How much does a Yello Card cost?
The Standard version costs 1,699 rubles, and the Ultima+ version costs 2,999 rubles.
Can I load funds onto the card via the Single Bank Payment System (SBP)?
Yes. Topping up the Yello Card with rubles via the SBP incurs no separate service fee.
Is the Yello Card compatible with ChatGPT and Claude?
According to the service’s compatibility chart, the Standard version is not compatible with these platforms, while the Ultima+ version is listed as compatible as of the date of this check.
Can I add the card to Apple Pay or Google Pay?
This feature is available for the Ultima+ card. You’ll need to consider the requirements of the payment wallet, your account’s region, and the service’s current policies.
Editor’s Opinion
Yello Card categorizes its plans based on compatibility with international platforms and updates information on payment support. This is more useful than general promises like “the card works everywhere,” since it’s clear that the Standard and Ultima+ plans are suitable for different types of payments. The costs for issuing and reloading the card are known in advance, and compatibility with international platforms depends on the specific card type. However, since this is not a Russian bank card, it’s important to check the issuer, current documentation, fees, and terms of the specific plan before applying. Compatibility with ChatGPT, the App Store, or other services may also change following updates to the merchant’s or payment provider’s policies. For a one-time, specific payment, you should first check the current compatibility table and then select a plan.
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