Renegade promised a crypto card with a euro IBAN. Here is what the public pages actually show.

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Renegade card is one of those products that arrives with a neat idea — a euro IBAN and a virtual Visa card in one crypto-flavoured app — and then leaves a great deal of its own paperwork unanswered. I read the card’s public pages, its terms, the app listings and the thin complaint record, and the picture that comes out is a service that is easy to start and hard to judge. My score is 4.1 out of 10. That is not a condemnation; it is a description of a young product whose own pages do not tell you enough to decide with confidence.

Who this suits: someone in the European Economic Area who specifically wants a euro IBAN with a virtual card attached, and who is comfortable reading terms closely because the terms will tell you things the marketing pages do not. Who it does not suit: anyone who needs a physical card, needs to know exactly which coins and networks are supported before committing, needs a card they can spend from a predictable balance in a shop abroad, or needs the reassurance of a company holding a licence.

Conditions are current as of October 28, 2026.

Verdict: 4.1 out of 10

The score is not a single verdict on the product’s usefulness — it is a verdict on how much the public material lets a reasonable person rely on. Renegade’s own pages give a clear headline product, a monthly price list and a percentage for crypto conversion. Almost everything else — which countries are supported, what the card currency is, what a foreign purchase costs, what the ATM fee is, what the daily limits are — is not stated.

Let me show you how the number is built, criterion by criterion.

Two of the five criteria sit at 3, and they are the two that matter most day to day: whether the thing works reliably, and whether you can actually use it in the places you shop. A card with a generous limit is not much use if it exists only inside a phone screen.

A word on who the audience note points at. The one segment the material clearly supports is a resident of the European Economic Area who wants a euro IBAN with a virtual card. If that is your situation, this card is at least aimed at you and not at everyone else. If you are outside the EEA, the euro IBAN is not for you by the terms, and the card page lists no supported countries at all, so you are applying into a blank space.

Will they give you the card?

Partly, and the part that decides it is the euro IBAN.

Renegade’s card page lists no supported countries and no excluded countries. That is an unusual thing for a financial product to leave blank, and it means you cannot tell from the marketing whether your country is open, restricted or simply not considered yet.

What the terms do settle is narrower but firmer. Clause 1.2 restricts use of the virtual IBAN for euro deposits and withdrawals to customers in the European Economic Area. So the euro account — the feature most people want from this product — is a regional product. Everyone else is in the unstated part.

That combination, a blank country list plus a hard regional limit on the IBAN, is the single most important eligibility fact here. If you need the euro IBAN, your residence has to be in the EEA. If you do not need the IBAN, you are left with a virtual card whose issuance conditions I could not find published, and I would want an answer in writing from the company before relying on it.

Age and identity requirements are also not stated in the sense of a threshold — the app does verify identity, but the terms do not lay out a minimum age, a list of accepted documents or a proof-of-address rule in the public material I read. In practice, prepaid and debit cards in this category are generally available to adults from 18, and some issuers set higher limits, so treat 18 as the likely floor rather than a promise from these pages.

How to get it

The signup story is short, and the shortness is the point.

New users download the app, enter personal information and verify identity through a secure in-app chat. The page says this “only takes a few minutes”. That is a genuinely quick flow on paper. What is not stated is which documents the verification needs, whether proof of address is required, or how long review can take if the automated chat flags something — which, as I will come to later, it often does in this category.

The card itself is virtual and issued instantly inside the app: “No plastic. No waiting.” There is no physical delivery, so if you were planning to wave it at a terminal, that plan does not apply. The page refers to “VISA integration” and the network wording is partly unclear, which matters more than it sounds: a card can sit on Visa rails while the issuing institution behind it is something you have never heard of, and that institution is where your money actually sits at the moment of payment.

The card currency is not stated. You have a euro IBAN account, so euro is clearly available as an account balance, but whether the card spends euro, converts from euro into something else, or does something else entirely is not written down anywhere on the pages I checked.

Three tiers, and what you get for them

The tier table is the clearest pricing information the card publishes.

Note the pattern: only the top tier gets a benefit anyone would describe as support. The bottom tier pays 9.90 EUR a month for two unnamed benefits and a virtual card. Renegade does not publish the names of those two benefits in its tier description.

Fees: what it really costs

Here is the honest answer: I can tell you the monthly price and the conversion percentage, and almost nothing else.

The card says that no other fees are collected by Renegade, that any new fee needs at least 30 days’ notice, and that Voyager has “Higher limits” and Vanguard “maximum limits” without giving numbers. Every new fee is supposed to be announced a month ahead, which is a genuinely user-friendly commitment and the kind of thing most issuers do not offer.

Now let me walk through three ordinary payments, because the abstract numbers do not tell you which of them you will feel.

A coffee in euro, in your own country. If your balance is already in euro and you are spending euro in the eurozone, the conversion fee does not apply and there is no foreign exchange step. The cost is whatever the merchant charges, plus whatever the network does. This is the case the card handles most simply.

A subscription priced in dollars, paid from a euro balance. This is where the material goes quiet. The FX fee is not stated, so you cannot compute what a dollar subscription costs you in euros. You can know the 1.6% applies when crypto is converted into fiat, but not what happens when that fiat is then converted again into the merchant’s currency. Two conversions, one of them undisclosed, is a real number to ask about.

Anything paid from crypto. At 1.6% per conversion, the cost of spending your crypto directly is clear and moderate. Ten euros of spending costs sixteen cents. Whether the conversion happens once per payment or once per top-up is not stated, and the difference compounds over a month of daily use.

The ATM answer is the one that will bite hardest if you travel. ATM fees are not stated, no physical card exists, and cash withdrawal is only described in the terms as possible through the euro virtual IBAN. I would not plan around cash with this card.

What you should check first, before you commit to a tier: ask support for the FX fee, the ATM fee, and your actual daily and monthly limit in writing. All three are things a support agent can tell you in a sentence, and all three are things that could make a 9.90 EUR monthly fee look cheap or expensive.

Top up: how the money gets in

There are two stated routes, and they are described at a high level.

The first is a crypto virtual IBAN provided through Striga, Renegade’s partner. The second is an ordinary IBAN account. That is genuinely useful: it means you do not have to hold crypto to use the card, and someone who never touches crypto can still reach the euro side.

What is missing is the part that causes real losses. The coins and networks are not listed on the card page. An earlier version of the product described a non-custodial wallet with USDC, BTC and ETH, but the current pages do not repeat that, so I would not treat it as current. Minimum deposit, deposit fee and network fees are all not stated — and network fees are the blockchain’s, not Renegade’s, which means they are outside anyone’s control and can spike.

The withdrawal side is thinner still. Euro withdrawals go through the virtual IBAN and no other terms are given: no minimum, no frequency limit, no fee. But the account terms contain two clauses worth reading twice. You may terminate at any time free of charge — that is good and unusual. Renegade may close the account with two months’ notice — that is a real possibility to hold in mind, and it means a balance you cannot withdraw on demand is the thing to avoid having. Accounts inactive for over six months may be closed.

Paying with it every day

Everyday use is where this card is thinnest, and I want to be concrete rather than vaguely unimpressed.

Apple Pay is not mentioned anywhere on the card pages. Google Pay appears only inside a testimonial on the site, where a user writes about adding a Web3card to Google Pay. A testimonial is not a feature list. If mobile wallet support is a requirement for you, this is currently an unanswered question.

Blocked merchant categories are not stated. In this category that matters more than it used to: gambling sits under merchant code 7995, and many issuers block it by policy rather than by law, with the list differing from issuer to issuer. If gambling or another sensitive category is something you spend on deliberately, you have no published list to check.

Then the rewards. All three tiers offer 3% rewards paid in RNG coin, which the page calls cashback — a wording slip worth pausing on, because cashback normally means money you can spend and RNG is a token whose price the card does not promise. The monthly reward caps are listed but garbled on the page: 2,500 EUR for Pioneer, 25,00 EUR for Voyager, and a corrupted figure reading 35****,000 EUR for Vanguard. As printed, the Pioneer figure is the largest, which cannot be right and is most likely a formatting error. Do not plan around these caps until the company tells you the real numbers.

The app itself: on iOS the App Store lists “Renegade” under Renegade GmbH, with no rating displayed because it “hasn’t received enough ratings” as I read it on 2026-10-21. On Google Play the package is net.myrenegade.main and the rating was not readable. A young app with no rating history is not a red flag on its own, but it does mean you are an early user of an interface that is still changing.

If something goes wrong with a payment, the terms say the seller is liable for faulty goods, that complaints go to Customer Support and that a formal complaint must be in writing, and that the EU’s online dispute resolution platform is available. Chargebacks are not mentioned at all — and in this category that silence matters, because a chargeback is the refund mechanism ordered by the card issuer when something goes wrong, and prepaid-card coverage varies and should never be assumed.

Two everyday mechanics you will meet with any card of this type, so you know they are not Renegade-specific: a declined payment can leave a hold on your funds for several days, typically up to seven; and merchants can decline prepaid or foreign-issued cards, because the BIN lookup reveals the issuer’s country and a card issued in one country can look foreign to a shop in another.

What can go wrong

This section is shorter than I would like, but the headline finding is the significant one.

There are no licences. Renegade states plainly that it is “NOT a bank” and does not yet provide regulated services, and says it will apply for licences first. That is a candid statement, and I would rather report it than soften it. It means you are dealing with a company that describes itself as pre-licence, and the protection regimes that come with a licence — deposit guarantees, e-money safeguarding in the strict sense, complaint handling with a regulator’s backing — are not the frame you are standing in.

The issuer description is inconsistent. The terms name Zypto as the card service provider in one section, and in another describe an unnamed licensed card issuer running on Striga’s infrastructure. Two sections of the same document pointing at different arrangements is a thing to ask about directly.

The entities span three countries. MYRENEGADE, UNIPESSOAL LDA in Lisbon, Portugal (company number 517780801) is the company; the App Store lists Renegade GmbH as the developer; and Striga Technology OÜ of Tallinn, Estonia provides the vIBAN. A group structure across Portugal, Germany and Estonia is normal for this industry, but it means you want to know which entity you are contracting with.

Custody is not clearly addressed. The site describes itself as “user-interface only” and says Striga helps keep money “in a safe manner”, but the terms do not clearly resolve who holds your funds. Multi-factor authentication is mentioned in the terms. This is the question I would ask first if I were about to deposit: who has my money, and under what arrangement.

The complaint record is thin, and what is there is bad. Trustpilot shows 3.2 from a single review, read on 2026-10-21. That one review, dated 7 April 2026, says roadmap items promised for Q1 2026 — the app, the crypto wallet, the card — were not delivered, and that support refused a refund, calling it a “startup investment”. One review is not a pattern, and I will not treat it as one. But when the only public voice is a user saying promised features did not arrive and the money would not come back, that is the voice a reader should hear before deciding.

The history is a paid placement. A sponsored article on btc-echo.de, dated 30 January 2024 and updated 31 July 2025, described a live euro IBAN and Visa debit card app with an IBAN waitlist and crypto features “still being integrated”, and mentioned limited Founder cards with up to 9% rewards. It is a sponsored article, not independent coverage, and it is 21 months old.

Where the money sits matters. Whether your funds are custodial or self-custody changes what happens if this company has a bad month. Custodial platforms in this space have a record of failure: Mt. Gox reported about US$350 million stolen in 2011–2014, Coincheck about US$400 million in 2018, and Ronin Network US$625 million in 2022. Self-custody flips the risk to you: a seed phrase is typically 12 to 24 words, anyone holding it can restore the wallet and spend it, transfers are irreversible, and the network cannot freeze or return stolen funds. Neither model is free of risk; they just put it in different places.

And a structural point worth carrying with you regardless of card: card programmes end. Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down by its issuer. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. When a programme closes, the usual sequence is a notice period, then spending and loading stop, then users are asked to withdraw. Do not treat a card balance as something that will be there on demand forever.

What to take instead

I looked at three other cards in this category so the comparison is not theoretical. None of them is a recommendation; they show how much more — or less — the same kind of product can tell you.

Whop publishes the longest country list of the four: consumer coverage across 31 US states by name, business coverage in 41 states, and an explicit unsupported list including Belarus, China (Mainland), Cuba, Hong Kong, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam. Whether eligibility runs on citizenship or residence is not stated. Renegade publishes nothing comparable, and I think that difference matters more than any single feature.

Stella is the strongest of the four on paper at 6.5, with both virtual and physical cards and VISA acceptance at “over 40 million VISA merchants globally”, but it also does not state its fees numerically and its terms route US and European users through affiliates.

UniFi is the one with the most familiar banking plumbing — a Prepaid Debit Visa Card issued by Lead Bank, USD-denominated, funding by ACH, wire, SEPA (IBAN) or SPEI, and Apple Pay support in the app. Its listing claims “3% rewards on balances”, which is a balance rate rather than card cashback, and its card cashback is not stated.

The honest summary of the comparison: Renegade is not obviously worse than its peers on any single point. It is simply the least informative of the four, and with a licence-free operator and one angry review on record, uninformative is expensive.

Who I would recommend it to

I would recommend this card to one person: an EEA resident who wants a euro IBAN tied to a virtual card, is comfortable with a company that openly says it is not yet a bank, and will read the terms rather than the landing page. For that person it is coherent — the IBAN and the card belong together, and the pricing is transparent where it exists.

I would not recommend it to anyone who needs a physical card, who lives or travels outside the eurozone without a clear answer on FX costs, who intends to hold a meaningful balance, or who is choosing a card to spend crypto they already own. In the last case the 1.6% conversion is fair but the coins and networks are not published, and an unlisted network is where irreversible losses live.

Before you decide, get four answers in writing: what is the FX fee, what is the ATM fee, what are my actual daily and monthly limits, and who holds my funds. All four are things I could not find published. If those come back clearly, this is a usable EEA euro card. If they do not, the monthly fee is being paid for a screenshot.

Frequently asked questions

What is the Renegade card?

The Renegade card is a virtual payment card offered through a mobile app, paired with a euro virtual IBAN. The card is issued instantly in the app, and the company states there is “no plastic”. It is aimed at people who want a euro bank account number and a card in one place, with crypto functions built in.

Is Renegade a bank?

No, and the company says so itself. Renegade states it is “NOT a bank” and does not yet provide regulated services, and that it will apply for licences first. That means you are not dealing with a bank deposit, and bank-level protections should not be assumed.

Who owns Renegade?

The company behind the service is MYRENEGADE, UNIPESSOAL LDA, based in Lisbon, Portugal, company number 517780801. The app developer on the App Store is Renegade GmbH, and the vIBAN comes from partner Striga Technology OÜ in Tallinn, Estonia.

Is the Renegade card available in my country?

The card page lists no supported or excluded countries at all, so you cannot tell from the marketing. The terms are firmer on one point: only customers in the European Economic Area can use the virtual IBAN for euro deposits and withdrawals. Outside the EEA, ask the company directly.

What does the Renegade card cost?

Monthly fees are 9.90 EUR for Pioneer, 19.90 EUR for Voyager and 29.90 EUR for Vanguard, with lower amounts if you pay in RNG. The crypto/fiat exchange fee is 1.6%. Renegade says no other fees are collected, with 30 days’ notice on new ones, but the FX fee and ATM fee are not stated.

Does the Renegade card require KYC?

Yes, in the ordinary way. New users download the app, enter personal information and verify identity through a secure in-app chat, which the page says takes only a few minutes. Which documents are needed, whether proof of address is required, and what happens after a failed check are not stated in the published material.

Can I add the Renegade card to Apple Wallet?

That is one of the questions the public pages leave open. Apple Pay is not mentioned on the card pages. Google Pay appears only in a testimonial on the site, in which a user writes about adding a Web3card to Google Pay — a user’s experience, not a stated feature.

How do I top up the Renegade card?

Through a crypto virtual IBAN provided by Striga, or through an ordinary IBAN account. The coins and networks are not listed on the card page, though an earlier version described a non-custodial wallet with USDC, BTC and ETH. Deposit fees, minimums and network charges are not stated.

Is the Renegade card safe?

It carries real risk and I would not describe it as safe. The company holds no licences, custody is not clearly addressed in the terms, and a blockchain transfer to an unsupported network can be lost with no guaranteed recovery. Multi-factor authentication is mentioned. Diversify and treat the balance as money you could lose.

Is the Renegade card worth it?

Only for an EEA resident who specifically wants a euro IBAN with a virtual card and is comfortable with a pre-licence operator. For everyone else the value is unclear: there is no physical card, limits are unpublished, and the FX fee is unstated. Ask for those numbers before paying nine euros a month.

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