Crypto prepaid card Brazil guide: Pix-funded cards in reais

In most countries a crypto prepaid card is a global app that happens to accept you. Brazil is different. Here, exchanges issue cards in reais, you top them up by Pix in seconds, and at least one domestic exchange sells a card it calls prepaid. Brazil is also the only country where the Binance Card still exists. At the same time, the Banco Central's new crypto rules took effect on 2 February 2026. The deadline for existing firms to apply for authorisation falls at the end of October 2026. That makes this a good moment to check who stands behind your card.

This guide lists the cards Brazilian residents can actually get and compares the three local leaders. It explains how Pix and IOF affect the real cost, then covers the rules from the Banco Central and the Receita Federal. If you are looking for a "cartão cripto Brasil" that spends from crypto you already hold, the choice is wider here than almost anywhere else in Latin America.

Crypto cards Brazilian residents can get

These are the cards where the provider's own rules include Brazil, or where Brazil is clearly not excluded. Binance's official card page says the card supports one country only: Brazil. It requires a Brazilian ID document. Bybit's help centre lists a Brazil card with its own fees and limits. MetaMask includes Brazil on its card country list, and Bleap serves Europe, Mexico and Brazil. RedotPay's unsupported list, updated in August 2026, does not mention Brazil.

Binance Card. Binance first launched its card in Brazil with Mastercard in January 2023, pulled it later that year, and relaunched it for Brazil from 1 October 2025. It spends USDT, USDC, BNB, BTC, ETH, SOL, XRP and several other assets, plus BRL. The official fee table shows 0.9% conversion, 1% to 2% FX, no annual or issuance fee, and two free ATM withdrawals a month, then US$1.50 each. Spending limits are R$25,000 a day, R$50,000 a month and R$200,000 a year. Read our Binance Card review for the full details.

Bybit Card. Physical Bybit cards started shipping in Brazil on 24 December 2024. Bybit's FAQ calls the Brazilian card a Mastercard "credit card", but it draws from your Funding Account rather than a credit line. The physical card is free in Brazil. Fees are 0.9% to convert crypto to reais and 1.5% FX on foreign spending. ATM use is free up to R$550 a month, then 2%. The daily spending limit is R$27,500. Apple Pay and Google Pay are supported. See our Bybit Card review.

Foxbit Card. Foxbit is a Brazilian exchange, and its card is one of the few in this guide that the provider itself calls prepaid. It is a prepaid Mastercard issued under Foxbit SPSAV Ltda., funded in reais by Pix. It spends BTC, ETH, USDT, XRP and ADA, pays 0.5% to 1% cashback in crypto depending on monthly spending, and charges no annual or issuance fee. Apple Pay and Google Pay work too. We have no full review of Foxbit yet, so check its official page for current terms.

Self-custody and stablecoin options. MetaMask and Bleap let you spend from your own wallet. Bleap charges no FX or conversion fee. RedotPay is a custodial stablecoin card with a $10 virtual card and 1% conversion. Crypto.com has reportedly launched its Visa card for Brazilian users, but we have not confirmed the terms on its official site. Gnosis Pay supported BRL and Pix, but it announced the wind-down of its consumer card in September 2026. The Mercado Bitcoin card announced earlier is not confirmed as live.

Binance, Bybit and Foxbit side by side

The three local leaders look similar at first glance. All three are Mastercards with Brazilian programmes, Apple Pay support and no issuance fee. The differences show up in how they describe the product, how they handle foreign spending, and what the cashback pays.

For a heavy traveller, Bybit's disclosure is the most honest: it names the IOF alongside its own fee. For domestic spending, Binance and Bybit cost the same 0.9% to convert. Foxbit's appeal is different. It is a Brazilian SPSAV with a Pix-funded prepaid balance, which some users prefer to a foreign exchange account. Our Binance Card vs Bybit Card comparison goes deeper on the two international names.

Pix top-ups, reais and IOF

Pix is the reason crypto cards feel so natural in Brazil. Funding works almost the same way on every local programme.

1. 01
   Send reais by Pix

   Transfer from your bank to the exchange’s BRL account; it usually arrives in seconds.

2. 02
   Keep BRL or buy crypto

   Hold reais, or convert to USDT, BTC or another supported asset.

3. 03
   Pay with the card

   The card converts crypto to reais at the till, at 0.9% on Binance and Bybit.

4. 04
   Abroad, add FX and IOF

   Foreign purchases add the card’s FX fee plus IOF on the exchange operation.

The last step is where costs jump. Say you spend R$2,000 in Lisbon with a Bybit card funded by USDT. The 0.9% conversion costs R$18, the 1.5% FX fee R$30, and IOF at 3.5% another R$70. That is about R$118 in total, or 5.9%. At home, the same R$2,000 would cost only the R$18 conversion. Our travel card guide and fees calculator help you model your own trips.

One open question is a separate IOF on buying crypto itself. In early 2026 the Finance Ministry and Receita Federal consulted on a 3.5% IOF on crypto and stablecoin purchases, with a R$10,000 monthly exemption for individuals. At our last check no decree had been published, and we could not confirm the status as of October 2026. If it is enacted, it would raise the cost of every Pix top-up that buys crypto above that line.

Banco Central rules for crypto providers

Brazil has had a crypto law since Lei 14.478/2022, in force from June 2023. Decree 11.563/2023 then named the Banco Central do Brasil (BCB) as the supervisor of virtual-asset service providers. The detailed rules came later, and they matter for every card on this page.

Official rule. BCB Resolutions 519, 520 and 521 were published on 10 November 2025 and took effect on 2 February 2026. Resolution 519 sets the authorisation process for SPSAVs and requires directors resident in Brazil. Resolution 520 covers how they operate, including segregation of client assets and proof of reserves. Existing operators must file for authorisation within 270 days, which ends around late October 2026. Resolution 521 brings crypto into the foreign-exchange market. Buying, selling or swapping stablecoins, and sending crypto abroad, are now treated as FX operations. Transfers to unlicensed counterparties or self-hosted wallets are capped at US$100,000, and FX reporting began on 4 May 2026.

Regulator position. Since 2 February 2026, foreign platforms that serve Brazilians are expected to seek BCB authorisation, with a local entity and resident directors. Spending stablecoins abroad counts as an FX operation. For card users, that means the exchange behind your card should be on its way to becoming an authorised SPSAV.

Provider rule. Each card programme sets its own limits and documents. Binance requires a Brazilian ID and caps spending at R$200,000 a year. Bybit caps daily spending at R$27,500. Foxbit issues its card under Foxbit SPSAV Ltda., using the legal form the new rules define.

Market practice. Card programmes convert to reais before payment, so the merchant never handles crypto. The changes you are most likely to notice are around transfers. Sending stablecoins from an exchange to your own wallet now falls under the FX rules, and very large transfers to unlicensed parties hit the US$100,000 cap.

Tax: the R$35,000 monthly line

Brazil taxes crypto gains, but with a generous monthly exemption that card users need to understand. Every card payment funded by crypto is a disposal (alienação) and counts toward that monthly total.

The exemption. Gains are exempt when your total crypto disposals in a calendar month are R$35,000 or less. Above that, gains are taxed as capital gains at progressive rates from 15% to 22.5%. The test is the total value disposed, not the gain. Suppose in March you spend R$12,000 by card and also sell R$25,000 of Bitcoin on an exchange. Your disposals total R$37,000, so the gains on all of them that month become taxable.

What did not change. Provisional Measure 1.303/2025 would have removed the R$35,000 exemption and set a flat 17.5% rate from January 2026. It lapsed in October 2025, so the old rules still apply in 2026. We could not confirm whether a replacement law has passed since. Crypto held abroad may fall under Lei 14.754/2023, which sets a 15% annual tax on offshore financial investments with no monthly exemption. Check the Receita Federal's guidance, as we could not confirm how it applies to crypto.

Reporting. Receita Federal's Normative Instruction 2.291/2025, dated 14 November 2025, created DeCripto. It replaces the older reporting rules and follows the OECD's crypto reporting framework. Monthly filing through e-CAC started in July 2026. If you use a foreign platform or no exchange at all, you must file yourself when your monthly operations exceed R$35,000. The treatment of cashback, staking and airdrops is not spelled out in the sources we checked. Our crypto card tax guide covers the general principles.

Where to buy the crypto you load

Most Brazilian card users buy crypto on the same platform that issues the card, by Pix. If you buy elsewhere, ask whether the platform has applied for BCB authorisation as an SPSAV, and remember that moving stablecoins between platforms is now an FX operation.

Practical tips for Brazilian cardholders

Compare the IOF before a trip. A card with 0% FX still carries IOF on foreign purchases when it is issued in Brazil. Budget for both, and use cash sparingly, given ATM fees. See our ATM guide.

Prefer a card from a firm heading for authorisation. With the 270-day filing window closing, providers that have not applied may have to scale back. Our safety guide explains what happens to balances when a card programme ends. If you want your funds to stay in your own wallet, look at the MetaMask Card or our self-custody guide.

For stablecoin options that work across Latin America, see our stablecoin cards guide, and for other markets visit the countries hub.

Frequently asked questions

Sources and official pages

1. Banco Central do Brasil
2. Binance — Binance Card (Brazil) fees and limits
3. Bybit Help — Bybit Card fees and spending limits
4. Foxbit — Foxbit Card
5. MetaMask — MetaMask Card country list
6. Receita Federal do Brasil
7. RedotPay Help — unsupported countries and regions

Ready when you are

Load your card with crypto you own

Buy Bitcoin, Ether or stablecoins with a bank card, Apple Pay or bank transfer, then move them to the card or wallet you choose.

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