Smart cards on demand
Physical and virtual Visa cards in EUR / USD / GBP, with per-card limits, merchant restrictions and instant freeze. Issue in seconds.
Learn more →Issue cards, run team approvals, hold fiat and crypto in one wallet, buy / sell / swap, spend either at any Visa merchant. Built for operators, freelancers and lean teams — not banks.
No legacy banking jargon. No 90-day onboarding. Approve customers, issue cards, settle in hours.
Physical and virtual Visa cards in EUR / USD / GBP, with per-card limits, merchant restrictions and instant freeze. Issue in seconds.
Learn more →Members request cards, limit changes and large purchases — admins approve from a queue. Audit trail for everything.
Learn more →Hold EUR, USD, GBP and 9 more — plus BTC, ETH, USDT — in one wallet. Convert at interbank + 0.30% spread.
Learn more →BTC ↔ EUR. USDT ↔ USD. ETH ↔ anything. One screen, one tap, one fee. No third-party exchange required.
Learn more →Hold many companies, teams or client accounts under a single login. Isolated balances, cards, members and audit trail per workspace — switch in one click.
Learn more →EMI-licensed issuer, PCI DSS Level 1, ISO 27001. Built-in KYC/KYB powered by our own staff console.
Learn more →All cards share the same fiat + crypto wallet. Different limits, different look, same instant freeze.
For everyday spend, subscriptions, groceries, travel. Up to €10k/mo limit.
Vendor cards with per-merchant controls. Approval rules per amount. Unlimited cards.
Same login, same wallet, same card. BeeOnPay is a registered VASP, so your crypto stays where it should — alongside your business fiat, under the same compliance regime.
One unified balance. Crypto and fiat sit in the same wallet, with one transactions feed and one statement.
Interbank rate + 0.30%. No third-party exchange step. Settlement is instant for amounts under €25k.
Pay at any Visa merchant directly from a USDT or BTC balance. Real-time conversion at the point of sale.
Whitelist withdrawal addresses, mandatory two-person approval over a threshold, automated travel-rule reporting.
Tell us about yourself and your team. No public sign-up — we review every application.
Upload ID and proof of address. Verified in a few hours by a real human, not a bot.
Add funds via SEPA, card or crypto. Issue your first virtual card instantly. Physical card ships in 3 days.
Use the web app or mobile to spend fiat or crypto, set limits, run approvals, export to your accounting tool.
All methods settle to the same fiat + crypto wallet. Fees shown upfront.
Interbank rate + 0.30% spread. No hidden markup, ever.
Bloggers, accountants, fintech YouTubers — if your audience could use cards or a crypto wallet, you can earn. Up to 30% recurring on every fee your referrals pay. Payouts in EUR or USDT, every month.
They're the engineering brief. Every flow, every endpoint, every data field has a threat model that ships with it.
Licensed, audited, and PCI-certified. The fun stays in the product.
Every account is reviewed by our ops team. Skipping public sign-up keeps fraud and abuse low, which keeps everyone’s fees low. Most applications are approved within a few hours.
Honey card is free. Cobalt for teams is €19/mo. FX is interbank + 0.30%. ATM withdrawals: 1% over €200/mo. No hidden margins.
Currently 38 countries across the EEA, UK, Switzerland, Singapore, Japan, UAE, and most of LATAM. We add ~2 countries per month based on demand — reply to your application with the country you’re in.
Crypto balances are held in segregated custodial wallets with a tier-1 regulated custodian. We do not commingle customer funds, do not lend them, and do not stake without explicit consent. You can withdraw to your own self-custody wallet at any time.
No. BeeOnPay is an Electronic Money Institution (EMI), licensed under EU financial regulations, plus a registered Virtual Asset Service Provider (VASP) for our crypto-banking operations. Fiat funds are safeguarded in segregated accounts at tier-1 banks. Crypto is held with a regulated custodian. Nothing is used for lending.
Once you have an account, request a partner code. Anyone signing up with your code gets attributed to you for life. You earn 20-30% of every fee they generate, paid monthly in EUR or USDT.
Yes. One BeeOnPay login can hold any number of workspaces — each with its own wallet, cards, members and audit trail. Common setups: holding companies with subsidiaries, accountants managing client books, agencies running multiple client orgs side-by-side. Switching is one click; data never crosses between workspaces.
It takes 2 minutes to apply. Most accounts go live within 24 hours.