Crypto Card Limits and Fees in Brazil

Crypto cards in Brazil offer users a practical way to conduct financial transactions using cryptocurrencies. To ensure a secure and transparent experience, it's crucial to understand card operational limits and the applicable fees. This article provides detailed guidance on checking limits, explains the value structure based on KYC verification levels, and outlines the fees charged for different operations.

How to Check Crypto Card Limits

To review your crypto card’s available limits, simply access the official platform. Navigate to the Card Dashboard and select Transaction Limit. For more details or to adjust configurable limits, choose See More.

Both virtual and physical cards share the same transaction limits, simplifying financial management since all spending is aggregated. The limits depend on your KYC verification level, so completing verification steps is essential to unlock higher limits.

Limit Structure by KYC Level

The crypto card system features three KYC verification levels, each with specific spending and withdrawal capacities:

KYC Level 1: Initial verification level. Users can spend up to R$ 25,000 daily, R$ 50,000 monthly, and R$ 200,000 annually. Daily cash withdrawals are capped at R$ 3,000, monthly at R$ 25,000, and annually at R$ 200,000. Up to 3 ATM withdrawals per day and 30 per month are permitted.

KYC Level 2: Maintains daily (R$ 25,000) and monthly (R$ 50,000) spending limits, but the annual limit increases to R$ 450,000. Daily cash withdrawal limit rises to R$ 5,000, with monthly and annual caps unchanged. ATM withdrawal quantity restrictions remain the same.

KYC Level 3: Advanced verification level. Daily spending limit stays at R$ 25,000, while monthly increases to R$ 150,000 and annual to R$ 600,000. Cash withdrawals allow up to R$ 7,000 daily, R$ 50,000 monthly, and R$ 200,000 annually. ATM withdrawal frequency matches the other levels.

To increase your card limits, update your KYC verification level. Platform support is available to assist with each step of the verification process.

Crypto Card Fees

Crypto cards in Brazil feature a transparent, competitive fee structure. Key charges include:

Foreign Exchange: For transactions in foreign currencies, a conversion fee of 1%–2% applies to the transaction value, covering currency conversion costs.

Cryptocurrency Conversion Fee: Payments made with crypto incur a 0.9% fee on the converted amount, applied when assets are exchanged to BRL for the transaction.

Annual Fee: Most crypto cards do not charge an annual maintenance fee, resulting in zero fixed cost to keep your card active.

Issuance and Cancellation: The first physical card issuance is usually free (R$ 0). If you cancel the physical card within the first year, a R$ 30 fee may apply. After one year, cancellation is free.

ATM Withdrawals: Users get 2 free ATM withdrawals per month. From the third withdrawal onward in a given month, each ATM transaction costs US$ 1.5.

Important Notes on Fees and Limits

When using crypto cards in Brazil, pay attention to additional fees and how the limit system operates.

Beyond the listed fees, extra charges may apply, such as local fees, third-party fees, network fees, conversion spreads, and IOF (Tax on Financial Operations) as required by Brazilian law. You can review all fee and conversion details in your card account after each transaction for full transparency.

Refunds are processed exclusively in Brazilian real (BRL). Note that transaction fees are non-refundable—even in cases of returns or purchase cancellations.

Fee debits follow the payment priority you set in your account, giving you greater control over which assets or balances are used first to cover operational costs.

Conclusion

Crypto cards in Brazil deliver a modern, flexible financial solution, empowering users to transact with cryptocurrencies easily and securely. The KYC-based limit structure provides scalability, supporting both everyday use and higher-value transactions as verification increases.

Market-competitive fees, no annual charges, and free first physical card issuance highlight the accessible nature of these platforms. The 0.9% crypto conversion fee and two free ATM withdrawals per month reflect a commitment to user-friendly service.

To get the most out of your crypto card, complete KYC verification to unlock higher limits, and stay informed about all fees via your account dashboard. With transparent charges and operational flexibility, crypto cards are a valuable tool for integrating crypto into daily financial activities.

FAQ

Is NG.CARD a credit or debit card?

NG.CARD is a prepaid credit card. It works like a credit card but requires a prepaid account balance for transactions.

Does NG.CASH card offer credit?

Yes, NG.CASH card offers credit. It’s a revolving credit card that lets users utilize their available credit limit. Check your limit in the app.

How can I increase my NG.CARD limit?

To raise your NG.CARD limit, contact NG.CASH support. They will review your account and transaction history to determine eligibility for a limit increase.

What is NG.CARD’s initial limit and how is it set?

NG.CARD is a prepaid card with no pre-approved limit. Your initial limit matches the amount you deposit—the limit is based on your card’s available balance.

How do NG.CARD limits compare to other fintech cards?

NG.CARD provides much higher credit limits than most traditional fintech cards. While fintechs typically issue prepaid cards with lower limits, NG.CARD operates under a specific regulatory framework that allows larger credit and transaction limits, in line with Central Bank guidelines.