Our verdict
Best for: European and APAC users who want self-custody on Starknet
Ready Card is built on Starknet with USDC staying in a user smart contract wallet until spent, a clean self-custodial model. Zero FX markup and a realistic ~2.5% cashback rate make it one of the better value propositions for European users. Relatively new and not yet available in the US. For users already in the Starknet ecosystem or looking for a genuine self-custody card with competitive returns, Ready is one of the better newer options.
Specifications
| Card network | Mastercard |
|---|---|
| Provider | Ready (formerly Argent) / Kulipa session-key auth |
| Funding model | Self-custodial: funds stay in your wallet until spent |
| Settlement currency | USD |
| Available in | UK + Europe only (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden); plans for LATAM expansion noted but not yet live |
| Supported chains | Starknet (Ethereum L2) |
| Supported assets | USDC, USDC.e |
| Issuance fee | $7 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | 2% |
| Top-up fee | 0% |
| Foreign transaction fee | 0% |
| Cashback | Up to 3% in STRK (realistic ~2.5%) |
| Cashback monthly cap | $150 |
| Daily spend limit | $10000 |
| Monthly spend limit | $30000 |
| Daily ATM limit | $500 |
| Last verified | 2026-04-30 |
What to watch out for
- Self-custodial Mastercard on Starknet
- USDC stays in user smart contract wallet via Kulipa session-key authorization
- 16g metal physical card (Metal)
- built-in IBAN supporting 150+ countries
- rebranded from Argent
- partner perks include Ramp, Layerswap, Koinly, Nansen, Airalo, NordVPN
Editorial notes
- Lite plan free + $6.99 shipping (1% FX, 0.5% cashback)
- Metal plan 120 USDC/year paid upfront, no auto-renew (0% FX, 3% cashback, $800/mo free ATM, then 2%)
- 2% above ATM allowance
- daily ATM cap $500, rolling 30-day $2500 limit
- STRK token cashback exposes users to volatility
- uses Mastercard official rate, no markup
- Funded by Starknet Foundation
- Google Pay live, Apple Pay coming
Frequently asked questions
Where is the Ready Card available?
As of 2026-04-30, Ready Card is available to residents of United Kingdom and Europe. Specific country list: UK + Europe only (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden); plans for LATAM expansion noted but not yet live.
How does the Ready Card cashback work?
Ready Card offers up to 3% cashback paid in STRK. Lite: 0.5% on first $5000 monthly; Metal: 3% on first $5000 monthly (cap $150/mo, $1800/yr); first 30 days Metal: 10% boost up to $1500 spent; paid in STRK on the 15th monthly; Layerswap fees refunded in STRK up to $100/mo In practice, the realistic effective rate for most users is around 2.5%.
What are the fees on the Ready Card?
Ready Card has an issuance fee of $7, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Is the Ready Card self-custodial?
Yes. With Ready Card, your funds remain in your own wallet until each transaction is authorised. The card provider does not hold your assets.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.