Utorg Card: instant top-ups and convenient payments without any hassle

Utorg is a European fintech company and technology provider that makes cryptocurrencies as accessible as possible for regular users. The company is registered in Lithuania under the name UAB “Utrg” and holds an official license for virtual currency exchange and wallet operations, confirming its legal status and compliance with European security standards.

Since its founding, Utorg has been actively developing an ecosystem of products for convenient interaction with digital assets. In addition to issuing the Utorg Card, the company is known for its fast cryptocurrency exchange tools, business solutions (white-label integrations) and a simple KYC process that allows verification to be completed within minutes.

Utorg also focuses on user-friendly design and high transaction processing speed — most operations are executed instantly and support of popular payment methods (Apple Pay, Google Pay, bank cards) makes the service convenient for both beginners and experienced traders.

Utorg Card is a logical continuation of this ecosystem, enabling the use of cryptocurrency in everyday life — from in-store purchases to online payments.

Utorg Card features and benefits

• Free issuance and maintenance: The card has no issuance or monthly maintenance fees.
• Generous limits: Monthly spending limit is up to 50,000 EUR, including online and offline purchases, transfers and cash withdrawals.
• Fast top-ups: The ability to instantly top up the card with cryptocurrency via the app.
• Apple Pay and Google Pay integration: For convenient contactless payments.
• Support of popular cryptocurrencies: The ability to use various digital assets for top-ups and spending.

Cryptocurrencies are not only assets for trading and investment. First and foremost, they are instruments for payment and transfer of value. And as an exchange, we want to promote the practical application of cryptocurrencies.

Pavel Lerner

Co-founder of Utorg

Fees and limits

Before actively using Utorg Card, it is important to familiarize yourself with its service costs and financial restrictions. This section reviews the fees for basic operations — cash withdrawals, currency conversion, card top-ups — as well as the limits that apply depending on the verification level. This will help avoid unexpected fees and plan spending effectively.

Fees:

• Card maintenance: Free.
• Cryptocurrency-to-fiat conversion: The fee is included in the exchange rate.
• Cash withdrawals: 1.5% of the amount.
• Double conversion: 1% when paying in a currency other than euros.

Limits:

• Monthly spending limit: Up to 50,000 EUR.
• Limits depending on verification level:
  • Level 0: Up to 150 EUR per month, no documents required.
  • Level 1: Up to 1,000 EUR per month, identity documents required.
  • Level 2: Up to 10,000 EUR per month, proof of residence required.
  • Level 3: No limits, proof of source of funds required.

How to apply for and get the Utorg Card

1. Download the Utorg app: Available on the App Store and Google Play.
2. Create an account: Register with your email address or phone number.
3. Complete verification: Depending on the desired spending limits, provide the required documents.
4. Order the card: Select the card issuance option in the “Card” section.
5. Top up the card: Transfer cryptocurrency to your Utorg wallet.
6. Add to Apple Pay or Google Pay: For convenient contactless payments.

Disadvantages of Utorg Card

• Cash withdrawal fee: 1.5% of the amount, which may be higher versus some competitors.
• Conversion fee: An additional 1% fee for double conversion when paying in fiat currency other than euros.
• Restrictions for non-EU residents: Some features may not be available to users outside the European Economic Area.
• No physical card: Limited flexibility for use and cash withdrawals due to the lack of a physical card option.

Utorg Card offers a convenient way to integrate cryptocurrencies into everyday financial operations, providing high flexibility and zero maintenance fees. However, potential users should carefully consider the withdrawal and conversion fees, as well as regional restrictions, before making it their primary payment tool.