A Colombian prepaid card that spends your crypto balance anywhere Mastercard goes, cheaply, with supervision and support as the open questions

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Littio card is a prepaid Mastercard that spends a balance you load yourself, funded either from

Colombian payment rails (PSE, Nequi, Botón Bancolombia, Bre-B) or from digital assets — USDC, EURC,

COPM and MXNB. It comes in a digital version for Apple Pay and Google Pay, and a physical card that

works at Mastercard terminals and ATMs worldwide. The economics are the strongest part of the offer:

$0 management fee, $0 commission when the card currency matches what you are spending, and 2% plus the

Mastercard rate when it does not. The parts I cannot verify are the structural ones: who issues the

card, which countries it can be sent to, what the limits are, and what standing Littio has with

Colombian regulators. My score for the card as a whole is 6.0 out of 10.

The conditions described on these pages are current as of October 28, 2026.

• 6.0 / 10 overall — strong daily economics, unresolved questions on supervision and support
• Who it suits: Colombian residents who want a dollar balance to spend day to day, and who are

comfortable with a card that is not a bank product

• Who it does not suit: anyone outside Colombia’s payment rails, anyone who needs a card for salary

or subscription streams in a specific country, or anyone who requires a supervised, standard bank

balance

Who will they give you the card

Short answer: the site does not say. That is not a rhetorical complaint — it is the first thing I

checked, because it is the first thing that decides whether any of the rest matters to you.

What Littio does state is that this is a Colombian service. You load it through PSE, Nequi,

Botón Bancolombia or Bre-B — all four are Colombian domestic payment methods — and the app markets

the card for use in Colombia and in 190+ countries. So the operational centre of gravity is Colombia,

even though the card travels.

Eligibility itself is not stated on the site. I looked for an age floor, a residency requirement, a

citizenship rule, a list of excluded countries, and a document checklist, and none of those appear on

the pages I read. That is unusual for a regulated onboarding flow and unusual even for an unregulated

one, because even unregulated services usually publish a minimum age. The general rule across this

whole category is that prepaid and debit cards go to adults, 18 and over, with some issuers setting

higher limits for their own reasons — but that is the category default, not a Littio statement.

So if you are reading this trying to find out whether you qualify, the honest answer is: you will not

find out from the public pages. You will find out by installing the app and starting the flow. For a

reader outside Colombia, the practical filter is more blunt. If you cannot reach PSE, Nequi,

Bancolombia or Bre-B, the local deposit route is closed to you, and the crypto route is the only one

left — which is a different product with different risks, discussed in the top-up section below.

Who operates the service matters here, and Littio does name that: Selenio S.A.S., trading as Littio

Colombia, operates the service as a “mandatario de ejecución”. The card issuer and the BIN sponsor are

not named. Littio’s own notice says it is not supervised by the Superintendencia Financiera de

Colombia and does not provide financial services requiring authorisation. I come back to what that means

for your money in the risk section, because it is the single most consequential fact on this page.

How to get it

You apply in the app. The card is requested from the app, and Littio mentions identity verification

(“verificación de identidad”) as part of the flow. What documents you will need, whether proof of

address is required, what age the app will accept, and what the verification tiers are — all of that is

not stated on the pages I read. If you are someone who has been blocked by a bank’s verification before,

you should know going in that the verification complexity is the thing reviewers complain about most,

and I will come back to that with the complaint detail below.

There is an OTP on transactions, delivered by email. That is your main confirmation channel for

payments — treat the email account as the security anchor for this card.

Two versions exist, and the distinction matters more than it first appears:

• Digital card — for online spending, and for Apple Pay and Google Pay. Free to issue.
• Physical card — for point-of-sale terminals worldwide and for withdrawals at Mastercard ATMs.

$3 USD, deducted from the app balance. A replacement for a lost physical card is also $3 USD.

Only the physical card supports ATM withdrawals. Both can be active at the same time on one Littio

account, so you can hold the virtual card for online payments and the physical one for everything

that needs to be tapped or inserted. There is no stated fee for the digital card; the $3 applies to the

physical card and to replacing it.

What I could not establish: delivery countries, delivery time, and shipping cost. If you are outside

Colombia and considering the physical card, that is a real gap, not a formality. The $3 may not be the

whole cost. As for the card itself, it is a Mastercard, and Littio’s operations are described in digital

assets — USDC, EURC and COPM.

Fees: what it really costs

The cost story is the best part of this card, and it is worth reading carefully because the number that

matters is not the headline “free” — it is the currency match.

Note what is missing from that table. The annual fee is not there because there is none. The 4×1000

tax — the Colombian financial transaction tax — does not apply to the card. And the limits are the ones

I can actually quote; anything beyond those is not published, which means for anything above $3,500 a

day you have to assume the answer is no until the app tells you otherwise.

Now the part that decides your real cost. The card can be set to USD, EUR, COP or MXN. Spend in that

currency and the deduction is 1:1 with no commission at all. Spend in anything else, and you pay 2% on

top of the Mastercard exchange rate. There is a second, subtler rule: if the currency you have set the

card to runs short, the card will draw on your balances in other currencies — which means a conversion

happens at a moment you did not choose, and the 2% rule applies to it.

Three everyday payments, and what each actually costs:

1. A coffee in Bogotá, card set to COP. No commission. This is the case the pricing was built for.
2. An online subscription billed in USD while your balance is in COP. 2% plus the Mastercard rate.

On a $10 monthly subscription that is $0.20 a month, or $2.40 a year, purely in fee — which is

usually more than the card saves you, and usually enough to make “set the card to USD” the better

default if you can hold a dollar balance.

1. Withdrawing $200 in cash abroad. $200 leaves your balance, the ATM owner sets the fee, the

amount is not stated, and the card’s own ceiling is $500 per withdrawal. Cash abroad is the

expensive way to use this card; treat it as the exception, not the routine.

There is one more cost that sits outside the card entirely and is easy to miss: the on-chain network

fee for a crypto deposit is charged by the blockchain, not by Littio. When you top up with USDC, the

gas cost is not part of any Littio fee schedule and does not appear anywhere in the table above.

How to top it up

There are two routes, and they are genuinely different products wearing the same card.

The Colombian route is PSE, Nequi, Botón Bancolombia and Bre-B. The crypto route is a deposit of USDC,

EURC, COPM or MXNB. Fees and minimum top-up amounts for the Colombian methods are not stated on the

pages I read. What is stated: transfers to another Littio user are free, and transfers to external

wallets start from $1 USDC.

The crypto route has a detail that will decide whether it works for you, and the site does not spell it

out: which networks are accepted is not stated. This matters more than it sounds. Blockchain transfers

are irreversible, and a deposit sent on a network Littio does not support, or to an address belonging to

a different network, can be lost or may need manual support recovery with no guarantee. This is not a

Littio quirk — it is how the technology works — but it converts “networks not stated” from a gap in

the documentation into the single largest practical risk in the top-up flow. If you intend to fund by

crypto, confirm the supported network before you send anything, and send a small test amount first.

On the stablecoin side, a general note worth having: stablecoins aim to hold a steady value, but despite

the name they are not necessarily stable. TerraUSD collapsed in May 2022 and USDC temporarily lost its

peg in March 2023 during the US banking crisis. Whatever you load is exposed to that risk on the way in,

before you spend a cent of it.

Withdrawals are priced separately from top-ups, and the spread is wide:

Times are not stated, and closure is not stated — that is, what it costs or what happens to your

balance if you close your Littio account is not something the pages I read describe. Search results

include people asking how to delete a Littio account, which tells you the question is being asked. The

absence of a stated withdrawal route back to nothing is worth resolving with support before you fund the

account meaningfully.

Paying with it every day

This is the card’s strongest area, and it is why the everyday-use score is high. You get a digital

card for online payments, a physical card for Mastercard terminals and ATMs worldwide, and Apple Pay

and Google Pay over NFC both in stores and online.

The mobile wallet setup is the ordinary kind: Apple Pay replaces your card number with a

device-specific Device Account Number kept in the Secure Element rather than on Apple’s servers, and

each payment carries a one-time dynamic code. That is a real security property, not a marketing line —

but note it protects the tokenised number on your phone, not the balance behind it.

Practical controls you have: freeze the card, which also stops recurring charges, and adjust your daily

spending limit in the app. Those two, plus OTP on transactions, are the whole safety toolkit Littio

describes, and they are a reasonable minimum.

Three things the site does not tell you, which are the ones that bite in real life:

• Blocked merchant categories are not stated. Every issuer blocks some categories by policy —

gambling is the classic one — and the list varies by issuer. You do not know Littio’s list.

• There is no chargeback process described on the pages I read. A chargeback is a refund ordered by

your issuer to settle a dispute; if you do not know Littio’s route to one, assume you will need to

ask, and ask early.

• No app ratings are available. The download link is on the site, the stores and platforms are not

named on the page, and I could not find App Store or Google Play ratings.

On rewards, take the marketing carefully. There is no cashback on card spend. Littio advertises

returns of up to 9.8% E.A. — but those apply to balances held in its Bolsillos or Bóvedas savings

features, not to what you spend on the card. If you were reading that figure as “money back when I

buy things”, it is not that.

What can go wrong

Two kinds of risk here, and they are not equally weighted. One is the ordinary kind that applies to any

prepaid card; the other is specific to Littio and, in my view, is the thing to actually think about.

The structural one: no supervision, no named issuer. Littio states in its own notice that it is not

supervised by the Superintendencia Financiera de Colombia and does not provide financial services

requiring authorisation. Selenio S.A.S. runs the service as a “mandatario de ejecución”. The card

issuer and BIN sponsor are not named. Here is what that chain normally looks like and what is missing

here: a card network (Mastercard) routes the messages and sets the rules; an issuer — a bank or e-money

institution licensed under the network’s licence — holds the card programme; and a crypto brand is

often just the front end that markets it. Littio’s public pages do not tell you who the licensed issuer

is. And the money side matters: where an e-money institution operates under EU rules, it must

safeguard customer funds in segregated accounts or by insurance, and those funds are still not bank

deposits and may not sit under a deposit guarantee scheme. Littio does not describe insurance or

safeguarding at all — it is not stated.

Read that with a second piece of category context. Mastercard and Visa do not issue crypto cards to

consumers themselves; they license issuers, and they can suspend a programme. Visa terminated its

global agreements with FTX in November 2022, and the FTX US debit card was wound down. WaveCrest, a

Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing every

WaveCrest-issued Visa programme. Programme closures tend to follow a shape: a notice period, then

loading and spending stop, then users are asked to withdraw remaining balances. One 2026 closure

reported by a secondary source — a single source, unconfirmed — ended new loads on 8 July 2026 and

spending on 8 August 2026. I am not telling you Littio is heading that way. I am telling you the

category has a demonstrated pattern, and an unnamed issuer is exactly the variable that determines how

cleanly a shutdown would run.

The practical one: support and verification. This is where the reviews are. On Trustpilot, read on

2026-10-20, Littio sits at 4.4 out of 5 across 187 reviews, with 123 of those in the last 12 months,

82% five-star and 14% one-star. That distribution is genuinely good. The complaints underneath it are

consistent enough to name: slow support; delays and unclear fees or policies; complicated verification

(reported May 2026); too much automation (March 2026); and a “thieves” review with no detail behind it

(October 2025). Every one of those complaints interacts with the gaps listed above. If your ATM

withdrawal is wrong, or your crypto deposit vanishes on an unsupported network, support is the party

that has to fix it, and slow support plus no published dispute process plus no stated withdrawal

times is a combination I would not want to be relying on with money I cannot replace.

Also worth naming plainly, because it is easy to skip: search for Littio-specific complaints in news

and on forums and there is nothing substantial — no Littio-specific Trustpilot, Reddit or news

complaints surfaced beyond the above. That is mild positive evidence, not proof of anything.

And one category-wide hazard that does not depend on Littio at all: declines and holds. A declined

authorisation can leave a hold on your funds for several days, typically up to seven. And because a

card issued in one country can look foreign to a shop in another — merchants can look up the issuer’s

BIN and apply extra scrutiny — a Colombian BIN may not always sail through abroad. That is also why

some merchants decline prepaid or foreign BINs outright, and why address verification can fail on

foreign-issued cards. If Littio’s card is declined somewhere, that may be the card network and the

merchant’s risk policy, not a fault in your account.

I want to be careful about one more thing. The balances here are digital assets. Transfers are

typically irreversible and have no built-in recovery — the network cannot freeze or return funds. If

Littio is custodial, you are trusting the provider with the credentials entirely. If it is not, you

carry the key-loss and phishing risk yourself. Littio’s pages describe identity verification, encryption,

OTP two-factor on transactions and a blockchain record, but they do not tell you which custody model

you are in. Ask that question before you load anything large.

What to take instead

Here is where I put the alternatives, with the same scepticism applied to them. I scored these

alongside Littio, and none of them is dramatically better — 6.7, 6.1, 5.2 against Littio’s 6.0.

International Visa Card (6.7). The strongest alternative score here, and it edges Littio for one

structural reason: it states its exclusions. The account and card are not available to residents or

legal registrants of Belarus, mainland China, North Korea, Cuba, India, Iraq, Iran, Israel, Myanmar,

Nepal, Nicaragua, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam; FATF grey-list countries are

reviewed case by case with compliance approval; and purchases are blocked outright in North Korea,

Cuba, Iran, Russia, Syria, Ukraine and Venezuela. Note it is residence or registration that governs,

not citizenship — a distinction that catches people out. It is a U.S.-issued Platinum Visa, virtual,

paying in USD, with the physical card listed as “coming soon”. Virtual card issuance is $5 one-time,

there is no maintenance fee, and card use in USD is free on all plans; foreign currency is “Visa

exchange rate + 2% FX fee” — the same 2% structure as Littio. Deposits of any kind are free, and you

can fund with USDC or USDT into the USD account at 1:1, though networks are not stated. It also takes

plain USD, EUR, SEPA, SWIFT and FedNow. Plans run Classic free, Pro $9.00/month and Max $19.00/month. No

cashback is stated.

UNi Card (6.1). A multicurrency card on the Mastercard network, spending from the UNi.Global

account balance. The pricing claim is the draw: “no annual fee”, “no annual fee or foreign transaction

fee”, assets converted at live OTC rates, “no hidden exchange fees”. Spend-to-Earn rewards up to 3% are

advertised. Against that — eligibility is not stated, physical versus virtual is not stated, top-up

routes are not stated, and the issuance fee is not stated. So the fees look better than Littio’s on

paper and the disclosure is thinner in specific places.

Whop Cards (5.2). A Visa that works anywhere Visa is accepted, spending from a Whop balance — a

pending balance is usable as soon as a payment arrives, while standard withdrawals use settled funds.

Backed by stablecoin collateral from a linked wallet, though coins and networks are not stated. The

coverage is the problem: 31 US states for consumers, 41 for businesses, and consumer cards are not

supported in Belarus, mainland China, Cuba, Hong Kong, India, Iran, Iraq, Israel, Myanmar, Nepal,

Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam. Whether it follows

citizenship or residence is not stated. The page says “no extra fees” with no amounts, no card type,

no card currency, and 5% cashback at select merchants — currently Uber — with payout currency and

conditions unstated.

My honest read: if you are in Colombia and can use the local rails, Littio’s economics beat all three.

If you are elsewhere, International Visa Card is the one whose exclusions you can at least read before

you try — and knowing your exclusions in advance is worth more than a slightly better fee.

Who I would recommend it to

To Colombian residents who already hold a dollar balance, who want a card that spends it at 0%

commission in dollars, euros or pesos, who are comfortable doing an OTP from email, and who understand

that this is a prepaid product from an unsupervised Colombian operator with an unnamed card issuer

behind it. If you are one of those people, the daily economics here are genuinely good and I would not

think twice about loading it.

I would not recommend it to you if any of these are true. You need a supervised financial institution,

a deposit guarantee, or a named issuer you can hold accountable — you will not find them here. You

need the physical card delivered to an address outside Colombia and cannot confirm the delivery

countries, time or shipping cost. You plan to load large crypto balances and cannot confirm which

networks are supported before sending — this is the one with real money at stake and no stated answer.

You need a documented chargeback route and find none. Or you are simply outside Colombia with no way

to reach PSE, Nequi, Bancolombia or Bre-B, in which case the product you are left with is the harder

half.

The reward structure is the thing I would flag to anyone who almost bought this on the 9.8% figure.

That is on savings balances, not on card spend, and there is no cashback on the card.

Frequently asked questions

What is the Littio card?

It is a prepaid Mastercard from a Colombian service. You load a balance yourself — from Colombian

payment rails like PSE, Nequi, Bancolombia or Bre-B, or from digital assets such as USDC, EURC, COPM and

MXNB — and the card spends that balance. It comes as a digital version for online payments and Apple

Pay or Google Pay, and a physical $3 card for terminals and ATMs worldwide.

How does the Littio card work?

The balance behaves like a prepaid account, so the card cannot overdraw — it only spends what you have

loaded. Buy in the currency the card is set to and the deduction is 1:1 with no commission. Buy in a

different currency and you pay 2% plus the Mastercard exchange rate. If the set currency runs short,

the card draws on other balances you hold, converting as it goes.

Is Littio a bank?

No, and Littio says so itself. The service is run by Selenio S.A.S. as Littio Colombia, acting as a

“mandatario de ejecución”. Littio’s notice states it is not supervised by the Superintendencia Financiera

de Colombia and does not provide financial services requiring authorisation. The card issuer and BIN

sponsor are not named.

Who owns Littio?

Littio is operated by Selenio S.A.S., trading as Littio Colombia. That is the operating entity. What is

not published is the identity of the institution that actually holds the card programme behind the

Mastercard — the issuer and BIN sponsor are not named on Littio’s public pages, and that is the piece

you would want before funding it heavily.

Is the Littio card available outside Colombia?

Eligibility is not stated on the site. The card itself works in Colombia and in 190+ countries, and the

physical card works at Mastercard ATMs, but delivery countries, delivery time and shipping cost for the

physical card are not stated. The local deposit routes — PSE, Nequi, Botón Bancolombia, Bre-B — are

Colombian only.

How do I apply for the Littio card?

You download the app and request the card from inside it. Littio mentions identity verification as part

of the flow, but the documents required, whether proof of address is needed, the minimum age and the

verification tiers are all not stated. Transactions are confirmed by an OTP sent to your email, so set

that up carefully. The digital card is free; the physical card is $3.

Does the Littio card require KYC?

Yes, in the sense that Littio mentions identity verification, which is a lighter description than most

regulated providers give — they usually enumerate the documents and the checks. Here the detail is not

stated. What is worth knowing is that identity verification is one of the recurring complaints in

reviews, with users reporting it as complicated as of May 2026.

What are the fees and limits?

No management fee, no issuance fee for the digital card, $3 for a physical card or a replacement, and

2% plus the Mastercard rate on purchases outside your card’s set currency. Colombia ATM withdrawals

cost $6,180 COP per transaction, and abroad the ATM owner sets the fee. Purchases run from $1 to $3,500

per 24 hours, adjustable in the app, and ATM withdrawals are capped at $500 each.

Is the Littio card safe?

It has the ordinary safeguards: identity verification, encryption, OTP two-factor on transactions, an

instant card freeze that also stops recurring charges, and adjustable spending limits. What it does not

have is external supervision, a named issuer, or any stated insurance or safeguarding of your balance —

and it describes no chargeback process. Reviews score it 4.4 out of 5 on 187 Trustpilot reviews, with

support speed the main complaint.

Is the Littio card worth it?

For a Colombian resident spending a dollar balance on everyday purchases, yes — 0% commission in

matching currencies and no annual fee is hard to beat, and the card works in 190+ countries. The

rewards number is not what it looks like: the advertised returns of up to 9.8% E.A. apply to savings

balances, not to card spend, and there is no cashback on the card.

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