Moonwell Card FAQ

Common questions about the Moonwell Card. For setup, see Getting Your Moonwell Card; for fees, see Moonwell Card Fees.

Which countries is the Moonwell Card available in?

The card is available in over 180 countries. Some regions have restrictions due to regulatory requirements, including the United States, China, Russia, and certain other sanctioned or restricted jurisdictions. Check this list for exceptions.

Does the card work with Apple Pay and Google Pay?

Yes. Both are fully supported. You can add your Moonwell Card to your phone and pay contactlessly.

What is Lockdown Mode?

Lockdown Mode is a security feature that disables all card transactions. It's useful in emergencies or if you suspect unauthorized use. You can toggle it on and off instantly from the Moonwell app.

How do I freeze my card?

Use the card controls in the Moonwell app to instantly freeze and unfreeze your card. A frozen card can't be used for any transactions, but you can unfreeze it anytime.

What happens if I lose my card?

Freeze your card immediately using the Moonwell app to prevent anyone from using it. Then reach out in the Moonwell Discord for help ordering a replacement or investigating any unauthorized transactions.

Can I transfer card funds back to crypto?

No. Once you load USDC to your card, those funds can't be converted back to crypto. They're now fiat currency on your card, and you can only spend them using the card. For that reason, load amounts you plan to spend.

Can I have multiple Moonwell Cards?

Yes. Each card requires a separate wallet and separate KYC verification. You can't have more than one card per wallet.

Can I use the card at ATMs?

Yes. You can withdraw cash from ATMs globally. Note that ATM withdrawals cost 3% of the amount withdrawn. Daily ATM limits are $2,000 maximum, with up to 3 withdrawals per day. Monthly limits are $10,000 maximum, with up to 30 withdrawals per month.

What are the ATM withdrawal fees?

ATM withdrawals have a 3% fee. For example, withdrawing $100 costs $3.

Are there fees for using my card?

Yes. Here's what you pay:

What exchange rate does my card use?

Your card uses standard Visa exchange rates for non-USD transactions. These rates are competitive and lock the moment you make your purchase.

Can I set spending limits on my card?

Yes. The Moonwell Card includes spending limit controls. You can set daily, weekly, or monthly limits to protect your funds.

My card was declined. What should I do?

A declined transaction usually means you don't have enough USDC balance on your card. Load more USDC and try again.

If you have a sufficient balance and it's still declined, reach out to our card provider, Cypher. You can get in contact with their support team from their website. There may be a technical issue or a temporary restriction.

How long does it take to load my card?

Direct USDC loads are instant. Borrow and Load transactions process immediately as well.

How long does it take to receive my physical card?

Physical cards typically ship within 2 to 3 weeks. Your virtual card is available immediately after approval.