KuCard vs Lemon Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer KuCard ranks higher on the documented evidence (5.2/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
 KuCard | Lemon Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | no | balance only, not the card |
| BTC sale timing | Not documented | BTC sold per transaction |
| Fees | ||
| Top-up fee | not documented | not documented |
| FX fee | not documented | 0.5% |
| Monthly fee | not documented | none |
| ATM fee | not documented | not documented |
| Cashback | not documented | 0.25% in BTC |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | $12000000.0 |
| ATM daily limit | not documented | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | APAC | AR |
| Network | Mastercard | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | no / unknown | yes |
Pick KuCard if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Lemon Card if
- Higher documented cashback (0.25% vs none)
Lemon Card
exists - active (Argentinien); Prepaid-Visa mit BTC-Cashback (0.25%/2%) plus BTC-collateral Kreditkarte; Brasilien-Geschaeft wird zum 15.11.2026 beendet
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FAQ
Which is better for privacy, KuCard or Lemon Card?
Both cards sit at the same KYC depth: KuCard and Lemon Card require Full KYC. Privacy separates them only through custody model and data-sharing practice - documented in each review. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
KuCard: Not documented. Lemon Card: BTC sold per transaction. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.
Facts checked 2026-11-02 · How we verify