A virtual Visa, a euro IBAN and a roadmap that keeps slipping

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Renegade card sits in an awkward middle ground. On paper, it promises the three things most people without an ordinary bank account want: a Visa-branded card, a euro-denominated account with a virtual IBAN, and a way to spend a crypto balance anywhere Visa is taken. In practice, the company behind it does not yet hold the licences a normal card programme needs, the supported country list is not published, and at least one user has publicly complained that features announced for early 2026 had not arrived months later. I read the official site and the terms, checked the app stores, and pulled in a public user report. What follows is what I found, told from the point of view of someone choosing a card, not someone selling one.

The conditions in this review are current as of October 28, 2026.

Verdict

Renegade earns 4.1 out of 10 in my scoring. The mark reflects the gap between what is marketed and what is currently in the user’s hand. The virtual card and the euro IBAN exist; the licence that would make them bank-grade, the published country list, the working Apple Pay or Google Pay integration, the ATM terms and the FX fee are all either missing or not stated. If you live in the European Economic Area and want a euro IBAN you can fund with crypto and spend through a virtual Visa, Renegade is one of the few products in that exact niche, and that is the only setting where the score makes sense.

The card is best read as a product for EEA residents who specifically want a euro IBAN tied to a crypto balance and a virtual card, and who are comfortable funding a service that is still completing its licence journey. If you are outside that narrow frame, the alternatives further down this page will fit you better.

Who they will give the card to

Renegade does not publish a list of supported or excluded countries on the card page. That alone is unusual for a payment product and it is the first thing to check before you go any further. The terms do narrow it down in one place: only customers in the European Economic Area can use the virtual IBAN for euro deposits and withdrawals (terms 1.2). Outside the EEA, the euro IBAN is not a working account for you even if the app lets you register.

Because the company states it is not yet a regulated bank and has no licences I could confirm, the practical eligibility is the inverse: the product as described works in the EEA, and what happens elsewhere is not stated. If you are reading from outside the EEA, the safest reading is that you should not count on the IBAN working until the company publishes an explicit country list. If you are inside the EEA, you still have no guarantee of a specific list of accepted documents, proof of address or age thresholds — the card page does not state them. The company’s KYC process is described in the next section; the documents you will be asked for are part of that flow.

How to get it

The signup flow, as the card page describes it, runs in three steps. New users download the app, enter personal information and verify their identity through a secure in-app chat that the company says “only takes a few minutes”. The exact documents, the proof of address and the minimum age are not stated in the public material. In practice that means you will find out which documents are accepted by starting the in-app process.

Once KYC is cleared, the card itself is issued instantly inside the app. The line “No plastic. No waiting.” appears on the card page and tells you the whole story: Renegade is a virtual card, there is no physical delivery and no separate activation step that I could find. The page refers to a “VISA integration” but uses phrasing that leaves the exact role of Visa slightly unclear; the card currency is not stated, although the euro IBAN sits underneath it.

The company behind the app, MYRENEGADE, UNIPESSOAL LDA, is registered in Lisbon, Portugal (company number 517780801). The app developer listed on Apple’s App Store is Renegade GmbH, and the partner running the virtual IBAN is Striga Technology OÜ, an Estonian company. Those two names — the Portuguese operator and the Estonian partner — explain why the product lines up with European KYC and IBAN conventions.

The app itself has the basics in place. On the App Store listing I read on 2026-10-21, the “Renegade” app is published under Renegade GmbH; the public rating field shows “hasn’t received enough ratings” rather than a number, which itself is a signal: the app is installed by too few people for a score to be displayed. The Google Play listing exists at net.myrenegade.main, where I could not read a rating.

What it really costs — Fees

The pricing is the clearest part of the offer, but only because the company has published a three-tier monthly fee and a single exchange percentage. Everything else is either not stated or quietly missing from the page.

Renegade’s three subscription tiers all come with the same 1.6% crypto-to-fiat exchange fee and the same 3% rewards paid in the project’s own RNG coin, which the page calls cashback. The differences between Pioneer, Voyager and Vanguard are the monthly price, the limits and the number of “benefits” listed.

A few details from the costs table are worth pulling out separately:

• The crypto-to-fiat exchange fee is set at 1.6% across all three tiers. Renegade’s terms add a single sentence: “No other fees are collected by Renegade” and a commitment that any new fee will come with at least 30 days’ notice. That is a useful guarantee but it does not extend to the network or the issuer, where the wording of the terms is contradicted in places (see Risks).
• The card’s “no other Renegade fees” line is paired with two notable silences. The FX fee — what you pay when you spend in a currency other than the card’s base — is not stated on the card page, even though anyone spending abroad or in dollars will want to know that number. The ATM fee is not stated either, and “not stated” should be read as “we do not know what an ATM withdrawal would cost” rather than “it is free”.
• The Pioneer/Voyager/Vanguard monthly fees are reduced by exactly 5 EUR each if you pay in RNG (4.90/14.90/24.90). That is a marketing push to hold the token; it also means your effective fee depends on whether the price of RNG holds up between the day you pay and the day the subscription renews.
• The issuance fee is not stated. Several competitors in this category make you pay a small one-time fee for the virtual card; Renegade does not show one, which I read as “no separate issuance fee” until proven otherwise.
• Rewards are paid in RNG, the company’s own token, on every tier. The cap is listed on the page but the formatting is unclear — for example “2,500 EUR / 25,00 EUR / 35****,000 EUR” for Pioneer, Voyager and Vanguard — so the real cap for Voyager and Vanguard in particular is not stated precisely in the public material.

To translate the table into everyday numbers, here are three concrete examples drawn directly from the facts above. They are not endorsements of any particular spending pattern, just illustrations of where the percentages land.

• A 100 EUR coffee in Berlin, paid from a euro balance, no conversion needed. The 1.6% exchange fee does not apply because there is no crypto-to-fiat step. You pay the monthly subscription (from 9.90 EUR for Pioneer) and you earn 3% back in RNG, subject to the cap.
• A 200 USD hotel booking on a US site, paid from a euro balance. The crypto-to-fiat exchange fee does not apply if the balance is already in euros; what you do not know is the FX fee between EUR and USD, because Renegade does not state one on the card page. Treat that as a real risk of an unannounced spread.
• A 500 EUR top-up converted from USDC at the current rate. You pay 1.6% — that is 8 EUR on a 500 EUR top-up — and the rest loads as euro balance. That number is the cleanest cost you can predict from the published fee schedule.

How to top it up — Top up

The top-up path is described in two pieces. You can fund the card through a crypto vIBAN run by Striga, and through a regular IBAN account. The card page does not list which coins or which networks are currently accepted on that flow. An earlier check of the product described a non-custodial wallet with USDC, BTC and ETH; the current public material I read does not repeat that list, so the safest reading is “at least the coins and networks Striga supports on a vIBAN today”, with no firm list from Renegade itself.

The deposit fee, the minimum top-up and the network fee treatment are all not stated on the card page. As a rule of thumb for any crypto card, the on-chain network fee is charged by the blockchain, not the card provider, and is paid by the sender — your wallet, not Renegade. Renegade’s own spread is the 1.6% exchange fee already discussed.

For euro withdrawals, you use the same virtual IBAN in reverse, and the terms add three useful points: users can terminate their account at any time free of charge; Renegade itself can close an account with two months’ notice; and accounts that have been inactive for more than six months may be closed. None of those three points is a fee, but together they describe a product where exit is straightforward and dormancy has a cost.

The one operational warning that applies to any crypto top-up, and that applies here too because the supported networks are not published: a deposit sent on a network Renegade does not currently support, or to an address that belongs to a different network, is in practice unrecoverable. The card page does not address this scenario, so the user bears the cost of getting the network right.

Paying with it every day

The card is a virtual Visa. That is the entire physical story: it lives in the app, not in your wallet, and Renegade states “No plastic. No waiting.” There is no mention of a contactless sticker, no mention of a metal card, and no plan on the page for a physical version.

On mobile wallets, the public material is thin. Google Pay appears only in a website testimonial, where a user describes a “Web3card” being added to Google Pay; it is not part of the product description itself. Apple Pay is not mentioned at all. If a mobile wallet is core to how you pay, this is one of the larger holes in the offer. The cardholder experience today looks like entering the card number into a website checkout or a one-off online payment, rather than tapping a phone at a shop till.

Blocked categories are not stated. In this category of card, gambling (the MCC 7995 segment that covers casinos, betting and lotteries) is the one most often restricted, but Renegade does not list its policy.

The rewards side of everyday use is straightforward. All three tiers earn 3% paid in RNG. The cap is published on the page but the formatting is broken (the rows for Voyager and Vanguard read as “25,00 EUR” and “35****,000 EUR” in the live text), so the practical ceiling on rewards is hard to read precisely. The points that do survive are that the reward is paid in a project token rather than fiat, that the cap exists, and that the cap is different on each tier.

Disputes and chargebacks are also thin in the public material. The terms place the liability for faulty goods on the seller (2.3), route complaints to Customer Support and then to a written formal complaint (7.14), and name the EU’s online dispute resolution platform as a backstop (7.15). The word “chargeback” itself does not appear in the terms I read, which is not the same as saying chargebacks are unavailable, but it is a fair warning that the official route for a problem is the in-app support and the ODR platform, not a Visa chargeback mechanism you can call up.

What can go wrong

Two things are worth taking seriously before signing up: the licence position and the user reports.

On the licence position, Renegade is explicit. The company states on its site that it is “NOT a bank” and that it does not yet provide regulated services; the stated plan is to apply for licences first. I could not find any licence the company currently holds, which is not unusual for an early-stage fintech, but it does mean that the funds you place in the account are not protected by a banking licence and are not covered by a deposit guarantee scheme. The terms name the partner running the virtual IBAN as Striga, an Estonian EMI, and Striga is the layer that holds the regulatory status for the euro account; Renegade itself is the brand and the app on top.

The terms also disagree with themselves about who actually issues the card. Section 10 names Zypto as the card service provider, while section 11 describes an unnamed licensed card issuer operating on Striga’s infrastructure. The card page does not resolve that contradiction. For a user that contradiction is not a technicality — it determines who your legal counterparty is, who you complain to, and under which regulator’s rules a dispute would run.

On the user report side, the public footprint is small but pointed. Trustpilot shows Renegade at 3.2 out of 5 from a single review, read 2026-10-21. That one review, dated 7 April 2026, says the roadmap items promised for the first quarter of 2026 — the app, the crypto wallet, the card — were not delivered, and that support declined a refund on the basis that the payment was a “startup investment”. One review is not a pattern, but it is the only data point the public has, and it lines up with the slower parts of the company’s own communications (a 2024 sponsored article that described the euro IBAN as live on a waitlist and the crypto features as still being integrated).

A 2024 sponsored article on a crypto news site, updated in mid-2025, described the euro IBAN and the Visa debit card app as live, with an IBAN waitlist and crypto features still being integrated. It also mentioned “Founder cards” limited to 555 with up to 9% rewards, and Carbon/Black NFT cards paying 5% and 3% respectively in RNG. None of those earlier SKUs (founder, Carbon, Black) appear in the current material I read; they are background, not a current product. The article is also a paid placement, so it sits alongside the official material rather than replacing it.

Security-wise, the site describes the Renegade product as a “user-interface only” with Striga helping to keep money “in a safe manner”. Custody of funds is not clearly addressed in the terms I read, beyond Striga being the regulated EMI. Multi-factor authentication is mentioned in the terms (9.1), which is the minimum reasonable baseline. The customer support side is in better shape: live chat in the app, 24/7; a contact form; an email address at [email protected]; and customer support delivered in German and English per the terms.

The simplest way to put the risk picture in one line: the company itself is the first to say it is not yet a bank, the terms contradict each other on who issues the card, the public review record is one star of feedback on a missing roadmap, and the licences that would convert this from a beta product to a regulated product have not yet been granted.

What to take instead

Three alternatives cover the most common reasons people look at Renegade. None is a direct clone, so the choice is really about which trade-off you prefer.

The International Visa Card is the closest match for the “I just want a USD Visa I can fund with stablecoins” use case. It is not available to residents of a long list of countries that includes Belarus, mainland China, North Korea, Cuba, India, Iraq, Iran, Israel, Myanmar, Nepal, Nicaragua, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam, with FATF grey-list countries reviewed case by case. Purchases are blocked in North Korea, Cuba, Iran, Russia, Syria, Ukraine and Venezuela. The card is US-issued and pays in USD, with a $5 one-time virtual issuance fee and no maintenance fee on the free plan. Spending in USD is free on every plan, and foreign currency carries the Visa exchange rate plus a 2% FX fee. Deposits of any kind are free, and you can fund the account with USDC or USDT into the USD account at 1:1 (per the earlier check) or with USD, EUR, SEPA, SWIFT or FedNow deposits. There is no cashback stated.

UNi Card is a multicurrency Mastercard that spends from the UNi.Global account balance. The card has no annual fee and no foreign transaction fee; assets are converted at “live OTC (Over-the-Counter) rates” and the marketing line is “No hidden exchange fees”. Spend-to-Earn rewards go up to 3%. What the page does not say is which countries are supported, which networks you fund from, and whether the card is physical, virtual or both.

Whop Cards sit between a payment card and a creator-economy balance. Consumers are accepted in 31 US states, businesses in 41, and the unsupported list for consumers is broad: Belarus, China (Mainland), Cuba, Hong Kong, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam. The Visa is accepted anywhere Visa is taken, online and in stores; the page says “No extra fees” but does not list issuance or monthly amounts. The balance is backed by stablecoin collateral from a linked wallet, and the cards can also be issued to team members. The headline reward is 5% cashback at select merchants, with Uber as the current example and more planned.

If you want a published country list, a clear USD path and a $0 monthly fee on the free plan, the International Visa Card is the safer default. If you want multicurrency and no foreign transaction fees, UNi Card is the better fit, subject to confirming its country list. If you want a Visa that is tightly tied to a Whop balance and you live in one of the 31 US states it serves, Whop Cards is the specific match. Renegade, by contrast, remains the right pick for EEA residents specifically looking for a euro IBAN plus a virtual card, with the licence caveat accepted up front.

Who I would recommend it to

Renegade makes sense for a narrow reader: someone inside the European Economic Area who wants a euro-denominated account with a virtual IBAN and a virtual Visa, who is comfortable funding a service whose own marketing is upfront about not being a bank yet, and who values the euro IBAN enough to accept the missing published country list, the missing ATM terms, the missing FX fee, the missing Apple Pay and the absent public cashback in fiat. The Pioneer tier at 9.90 EUR a month, or 4.90 EUR if paid in RNG, is the cheapest way to try the product without committing to the higher tiers.

Renegade does not make sense for most other readers. If you want a USD balance, a US-issued card, free spending in USD and a clearly published country list, the International Visa Card fits better. If you want a multicurrency Mastercard without foreign transaction fees, UNi Card fits better. If you live in the United States and want a Visa tied to a balance backed by stablecoins, Whop Cards fits better. And if what you actually want is a regulated bank account with deposit protection, none of these products is the right answer; that is a different category altogether.

The honest summary: the score of 4.1 out of 10 reflects the gap between the product’s marketing and its current state. The euro IBAN is real, the virtual Visa is real, the price is published, and the company’s own admission that it is “NOT a bank” is unusually clear. The rest — licences, country list, mobile wallets, FX fee, ATM terms, the published issuer — is the work the company has said it will do. Until that work is done, this card is best treated as a beta product with a euro IBAN attached, paid for monthly, and watched carefully.

Frequently asked questions

What is the Renegade card?

The Renegade card is a virtual Visa-branded card that sits on top of a euro-denominated account with a virtual IBAN, run by a company called MYRENEGADE, UNIPESSOAL LDA in Lisbon, with the IBAN partner Striga Technology OÜ in Tallinn. The card page describes it as virtual only, with no plastic and no waiting.

How does the Renegade card work?

You download the app, complete the in-app identity check, and a virtual card number is issued to you immediately. You fund the card through a crypto vIBAN via Striga and through a regular IBAN account, and you spend the resulting euro balance anywhere Visa is accepted online. Crypto is converted to fiat at a 1.6% exchange fee on the way in, and the card itself behaves like a prepaid Visa.

Is Renegade a bank?

No. The company states on its own site that it is “NOT a bank” and does not yet provide regulated services; the stated plan is to apply for licences first. The euro IBAN is operated by Striga, which is a regulated electronic money institution; the card programme and the brand sit with Renegade.

Who owns Renegade?

Renegade is operated by MYRENEGADE, UNIPESSOAL LDA, registered in Lisbon, Portugal under company number 517780801. The app developer listed on the App Store is Renegade GmbH, and the virtual IBAN partner is Striga Technology OÜ in Tallinn, Estonia. The terms also name Zypto as a card service provider in one section and an unnamed licensed card issuer on Striga’s infrastructure in another, which is a contradiction rather than a clean ownership story.

Is the Renegade card available in my country?

The card page does not publish a list of supported or excluded countries. The terms do say that only customers in the European Economic Area can use the virtual IBAN for euro deposits and withdrawals. Outside the EEA, the IBAN is not a working account for you, and what is and is not available to non-EEA users is not stated in the public material I read.

How do I get the Renegade card?

You download the app, enter your personal information, and verify your identity in a secure in-app chat that the company says takes a few minutes. Once the in-app check clears, the virtual card is issued instantly. There is no physical card to wait for.

Does the Renegade card require KYC?

Yes. The card page describes a KYC step inside the app, but it does not list the documents, the proof of address or the minimum age. In the EU, regulated customer due diligence typically covers name, address, date of birth, nationality and an identity document, so expect to be asked for some combination of those during the in-app flow.

How do I top up the Renegade card?

You top up by transferring crypto to the crypto vIBAN run by Striga, or by sending euros to the IBAN account. The card page does not list which coins or networks are currently supported on the crypto path, so confirm the supported assets inside the app before sending anything. On-chain network fees are charged by the blockchain, not by Renegade.

Is the Renegade card free?

There is no published issuance fee and no separate Renegade fees beyond the monthly subscription and the 1.6% crypto-to-fiat exchange fee, but the monthly fee is not zero. Pioneer is 9.90 EUR a month, Voyager 19.90 EUR, and Vanguard 29.90 EUR, with a 5 EUR discount on each tier if you pay in the RNG token. The FX fee and the ATM fee are not stated on the card page, which is worth treating as a real cost you cannot yet price.

Is the Renegade card safe to use?

Treat it as a beta product with a euro IBAN attached, not as a bank account. The company itself says it is “NOT a bank” and does not yet hold the licences that would put it on the same footing as a regulated EMI, the terms contradict each other on the card issuer, and the only public Trustpilot review (3.2/5 from a single reviewer) describes a promised roadmap that did not arrive. Multi-factor authentication is mentioned in the terms and Striga is the regulated layer behind the euro IBAN, so the basic safeguards are in place; the missing piece is the licence layer.

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