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Finance

Cards issued abroad compared

5 options sorted by what opening one costs

CinCin (US, Singapore, Hong Kong) (opens in a new tab)The service's terms bar residents of Russia, Belarus, the UAE, the US, the UK, Japan and sanctioned countries. Issued in a Telegram bot with no documents, balance in USDT. Some cards work with Apple Pay and Google Pay.
Type
Virtual
Time to open
minutes
Cost
from $25first deposit from $25
Top-up
4.5%
Remote
Open — CinCin (US, Singapore, Hong Kong) (opens in a new tab)
MaxSwap (Spain, US) (opens in a new tab)Three cards: for AI services, for purchases and subscriptions, and a Premium one with cash withdrawals. All work with Google Pay, two of the three with Apple Pay.
Type
Virtual
Time to open
minutes
Cost
from $45first deposit from $25
Top-up
from 4.5%
Remote
Open — MaxSwap (Spain, US) (opens in a new tab)
Cards in ArmeniaA personal account with a card, or a separate card: virtual in 7–11 days, plastic in two to three weeks.
Type
Virtual or plastic
Time to open
1–2 weeks
Cost
from $60service fee
Top-up
the bank's own tariffs
Remote
Details — Cards in Armenia
A card in GeorgiaA personal multi-currency account with a card, or the Solo premium package from Bank of Georgia.
Type
Plastic
Time to open
1–7 days
Cost
from $130service fee
Top-up
the bank's own tariffs
Remote
Details — A card in Georgia
A card in the UAE
Type
Account
Time to open
1–4 weeks
Cost
from $1,000service fee
Top-up
the bank's own tariffs
Remote
Details — A card in the UAE

Service prices come from the catalogue, service terms from their own pricing pages. Bank and service fees change: check the numbers with whoever issues the card before you pay.

How to choose

You need to pay for subscriptions and online purchases

A virtual card is enough. It is issued remotely, and plastic adds nothing for payments online.

You need cash and payments in shops

That calls for bank plastic or a card with ATM withdrawals.

You need an account for salary, transfers and taxes

A card does not cover that. It takes a bank account — personal or for a company.

Bank accounts and other financial services

Frequent questions

Which card opens fastest?
A virtual card from a crypto service — issued within minutes, with no documents filed. A bank card takes from a week to two months.
How does a crypto service card differ from a bank card?
Behind a service card sits a wallet rather than a bank account: the balance is topped up with cryptocurrency, and each top-up carries a fee — see the Top-up column. A bank card is tied to an account, takes ordinary transfers and charges less. It also takes longer to open, and almost always needs a trip to the country.
Can a card be opened without leaving the country?
Yes. Service cards and bank cards in Armenia, Georgia, and UAE are opened remotely.
What does opening a card abroad cost?
Issuing a virtual service card starts at $25 plus a first deposit from $25. The service of opening a bank card starts at $60 and covers choosing the bank, preparing documents and support until the card is handed over.
Do these cards work with Apple Pay and Google Pay?
MaxSwap cards connect to Apple Pay and Google Pay; the card for AI services works with Google Pay only. Some CinCin cards work with Apple Pay and Google Pay. For banks, check Apple's list of participating issuers: seventeen Armenian banks and Bank of Georgia are on it. Checked on 6 September 2026.

Not sure which card fits?

Describe the task — what you pay for, which country you are in, whether you need cash. We will review the case and say what to open.

Service cards are issued by the services themselves, not by Pactors: the contract, the payment and the support sit on their side, the links are paid for by those services, and your price does not change. Cards opened in banks are handled by vetted providers.