Secure & compliant
PCI DSS Level 1 infrastructure and full regulatory compliance behind every card.
Visa debit · Multi-currency accounts
One card.
One card.
Every currency you spend in.
Tez Card is a Visa debit card and a multi-currency account in one. Hold your balance, get your own IBAN, and pay in 150+ countries at rates you can actually see. Five tiers — from an instant virtual card to the invite-only Tez Black.
Visa debit
Your own IBAN
Multi-currency wallets
Global transfers
150+ countries
Trusted by cardholders worldwide
VISA
PCI DSS Level 1
99.99% uptime
Tap or swipe to switch cards
150+Countries you can spend in
10M+Transactions processed
500K+Cards in cardholders' hands
2,000+Businesses on Tez Card
The lineup
Five tiers. One account.
Every Tez Card comes with an EMV chip, contactless NFC and Apple Pay / Google Pay from day one. Start on any tier and move up as your spending grows — your account and IBAN stay the same.
Tez Virtual
Your card details appear in the app seconds after you are approved. Ideal for online checkouts, subscriptions and anything that should not wait for the post.
IssuedIn seconds
Daily spendUp to 5,000
Card feeNone
- Ready to use the moment your account opens
- Add it to Apple Pay and Google Pay and tap to pay
- Create single-use or merchant-locked cards for online shops
- Freeze, replace or delete a card yourself, in-app
Tez Classic
The everyday card. Contactless in shops, accepted online, and delivered to your door in 5–7 days — with a virtual card working from the minute you order it.
Delivery5–7 days
Daily spendUp to 15,000
ATM accessWorldwide
- EMV chip and contactless NFC, accepted globally
- Virtual card to use while the plastic is in transit
- Tracked delivery to 150+ countries
- Instant notifications on every transaction
Tez Platinum
Built for people who earn, travel or shop across borders. Hold several currencies at once and convert at mid-market rates before you spend — so the price at checkout is the price on your statement.
WalletsEUR · GBP · USD
Daily spendUp to 50,000
FX markup0% mid-market
- Hold and convert multiple currencies in one account
- Mid-market rates at checkout — no quiet travel fees
- Higher ATM ceilings and priority dispute handling
- Brushed-metal print finish on the physical card
Tez Diamond
Our premium tier. Higher ceilings, cashback on everyday spending and travel benefits — plus a card you will take out of your wallet on purpose.
DeliveryPriority · 48h
Daily spendUp to 250,000
CashbackUp to 2%
- Cashback on everyday categories, credited monthly
- Airport lounge access and travel benefits
- Enhanced fraud monitoring and priority support
- Priority production and expedited shipping
Tez Black
The top of the range, issued by invitation. Limits are agreed with you rather than set by a tier, and you get a named person to call instead of a queue.
AccessInvitation only
Daily spendUncapped*
SupportNamed manager
- Limits agreed with you, not fixed by a tier
- 24/7 concierge and a dedicated account manager
- Bespoke card finish and presentation packaging
- Private settlement and bespoke reporting
Fast onboarding
Apply in minutes and start spending on your virtual card the same day.
Global by default
Spend, withdraw and transfer in 150+ countries on 99.99% uptime infrastructure.
Real-time insight
Every payment, balance and conversion lands in your app as it happens.
24/7 support
Real people, any hour, in the app or on the phone when it matters.
Card types
A card for every way you spend
One Tez Card account, six different cards. Open the ones you need — personal, travel, team or prepaid — and manage them all from the same place.
Virtual Cards
- Issued in secondsCard details are in your app before you finish opening it.
- Tap to pay from day oneWorks with Apple Pay and Google Pay immediately.
- Freeze and replace instantlyYou stay in control, without calling anyone.
PCI DSSBank-grade security150+ countries
Premium Physical Debit Cards
- Premium card designsFive finishes, from Classic through to Black.
- EMV chip + contactless NFCSecure payments wherever Visa is accepted.
- Ships in 5–7 days worldwideFast, reliable, trackable delivery.
PCI DSSBank-grade security150+ countries
Expense Cards
- Limits set per personCap what each team member can spend, before they spend it.
- Every purchase categorised liveNo waiting until month-end to find out.
- Receipts captured automaticallyYour books close sooner, with less chasing.
PCI DSSBank-grade security150+ countries
Team Payroll Cards
- Pay everyone in one runBulk payouts behind a single approval.
- Salaries land on paydaySchedule recurring runs ahead of time.
- Pay in local currencyNo FX surprises for the people you pay.
PCI DSSBank-grade security150+ countries
Multi-Currency Travel Cards
- Hold EUR, GBP and USDConvert before you travel, not at the till.
- Mid-market rates at checkoutTransparent pricing, every single time.
- No quiet travel feesThe exact cost is shown before you confirm.
PCI DSSBank-grade security150+ countries
Prepaid Cards
- Spend only what is loadedHard limits, never an overdraft.
- No bank account neededOpen one in minutes with ID alone.
- See usage as it happensOne simple dashboard for every card.
PCI DSSBank-grade security150+ countries
Your account
More than a card — a full account
Every Tez Card comes with an account underneath it: your own IBAN, multi-currency balances, global transfers and the controls to run it all yourself.
Your own Virtual IBAN
A dedicated account number in your name. Receive salary, invoices and transfers straight into your balance.
Instant card issuance
Virtual cards are live in seconds. Physical cards go into production the moment your order is confirmed.
150+ countries supported
Spend, withdraw and send money across the Americas, Europe, Africa, the Middle East and Asia-Pacific.
Global transfers & payouts
SWIFT and SEPA transfers at transparent, real-time FX — including bulk payouts for teams and suppliers.
Bank-grade security
Encryption in transit and at rest, tokenised card numbers, 3-D Secure and full audit trails on every action.
Developer API for business
Business accounts can connect their own systems with a RESTful API, signed webhooks and a full sandbox.
Tez Suite
Every card, every balance, one app
Order a card, freeze it, set limits and watch your balances move — without waiting on a call centre. Business accounts get the same view across their whole team.
- Live status on every card: active, pending or blocked
- Balances, payments and conversions in real time
- Per-person limits and roles for finance and team leads
- Statements and exports ready for your accountant
TOTAL CARDS ISSUED12,540+18.5%
ACTIVE CARDS8,764+12.7%
PENDING1,289+8.3%
BLOCKED487−3.2%
How it works
From application to first payment in a day
Four steps, no branch visit and no paperwork in the post. Most applicants are spending on a virtual card the same afternoon.
Choose your card
Pick a tier — Virtual, Classic, Platinum, Diamond or an invitation to Black.
Verify who you are
Upload an ID and a selfie. Businesses add company documents for KYB.
Activate and top up
Your virtual card goes live immediately and your IBAN is ready to receive funds.
Spend anywhere
Tap, shop online or withdraw cash in 150+ countries. Plastic follows in 5–7 days.
Who it's for
Made for people and businesses that move money
Six kinds of cardholder, one account. Whatever you do with your money, there is a Tez Card setup and a set of limits that fits it.
PER-01Most popular
Everyday Spenders
ShoppingBillsSubscriptions
- A card and an IBAN in your name from day one
- Instant notifications and in-app card controls
- Cashback on everyday spending from Diamond up
TRV-02High volume
Travellers & Expats
Multi-currencyATM abroadMid-market FX
- Hold EUR, GBP and USD and convert before you spend
- Mid-market rates with no quiet travel fees
- Worldwide ATM access with clear withdrawal limits
FRL-03Popular
Freelancers & Traders
Client paymentsFast withdrawalsOwn IBAN
- Get paid straight into your own IBAN account
- Fast deposits and withdrawals in several currencies
- Real-time FX with pricing shown up front
TEA-04Business
Teams & Payroll
Expense cardsSalary runsBulk payouts
- Same-day salary payouts to staff worldwide
- Expense cards with per-person limits
- Bulk payouts with automatic reconciliation
SEL-05Business
Online Sellers
MarketplacesRefundsSettlements
- Settle marketplace earnings into local currencies
- Handle refunds and disputes without the back-and-forth
- Separate cards for ad spend, stock and suppliers
SND-06Available
Sending Money Home
Cross-borderSWIFTSEPA
- Low-cost cross-border transfers on SWIFT and SEPA
- Real-time FX with the fee shown before you send
- Send to a card, an account or another Tez balance
Security & compliance
Bank-grade security on every card
Your money sits behind the same controls a bank uses. Cards run on PCI DSS Level 1 certified infrastructure, balances are safeguarded in segregated accounts, and every payment is monitored in real time.
PCI DSS Level 1
The highest card-data security standard, audited every year.
Issued on the Visa network
Accepted at millions of merchants and ATMs worldwide, with Visa's protections behind every payment.
Identity checks & monitoring
KYC and KYB verification at signup, then continuous transaction monitoring on your account.
Segregated safeguarding
Your balance is held in segregated accounts, kept apart from our own operating funds.
FAQ
Questions, answered
The things people ask before they apply. If yours is not here, our team is one message away.
Yes. Cards run on PCI DSS Level 1 certified infrastructure and are issued on the Visa network. Every account includes identity verification, continuous transaction monitoring and 3-D Secure on online payments, and customer balances are held in segregated accounts.
A Visa debit card on the tier you choose — Virtual, Classic, Platinum, Diamond or Black — plus your own Virtual IBAN, multi-currency balances, global transfers and the Tez Suite app to manage it all. Businesses can add expense cards, payroll cards and prepaid cards on the same account.
Your virtual card is usually live within minutes of approval, so you can start spending the same day. Physical cards ship worldwide in 5–7 days, with tracked delivery — Diamond and Black are produced on priority.
You can spend, withdraw and send money in 150+ countries. Multi-currency wallets cover major currencies including USD, EUR and GBP, with local-currency payouts in supported corridors. Exact availability depends on your country of residence and account type.
Business accounts can. We provide a RESTful API with signed webhooks, idempotency keys and a full sandbox, so your finance or ops tooling can read balances, issue cards to your team and reconcile transactions automatically.
Tez Virtual has no card fee. Classic, Platinum and Diamond carry a card fee that depends on the tier and your country, and Tez Black is issued by invitation with terms agreed individually. Exchange happens at mid-market rates on Platinum and above, and every fee is shown before you confirm a payment.
Individuals over 18 in a supported country, and registered businesses that pass our KYB checks. Everyday spenders, travellers, expats, freelancers, traders, growing teams and online sellers all use Tez Card — the tier and limits are matched to how you actually use the account.
Get started
Your card is a few minutes away
Pick a tier, verify your identity and start spending on your virtual card today — with your own IBAN, multi-currency balances and global transfers included.
Questions first? Our team will walk you through the options.