How do you get an international card without a foreign bank account?

Updated on October 23, 2026

You do not need an account abroad: a virtual Visa card with a dollar balance is issued in about two minutes in the app and topped up with a bank card or USDT. Here are the steps, what it covers and what it costs.

Issue virtual card

How do you get an international card without a foreign bank account?

Can you have an international card without a foreign bank account?

Yes: Guarapay issues a virtual prepaid Visa card with a dollar balance, in the app or in the Telegram mini app @guarapay_bot, with no bank account abroad. You top up the balance and pay online wherever Visa cards are accepted.

Because it is prepaid, you only spend what you put in the balance: no credit, no bank limit and no statement to pay. Some merchants may decline cards under their own rules, so check in the app that each purchase went through.

How do I issue the international card, step by step?

Open the Guarapay app or the Telegram mini app @guarapay_bot and create an account.
Complete the identity check, which takes a few minutes.
Choose Standard or Premium and issue the virtual card.
Top up the balance with a Visa or Mastercard bank card in your own name or with USDT; there is no minimum.
Copy the card number, expiry date and security code in the app.
Pay online and watch the notification of each purchase, which arrives right away.

How much does an international card without a foreign account cost?

One-off issue fee: US$ 10 on Standard or US$ 100 on Premium; no monthly fee.
Top-up fee: 2% with USDT on Standard and 1% on Premium; 5% with a bank card on both plans.
US$ 0.25 per approved purchase, taken from the balance with the purchase; a declined purchase is not charged.
Monthly spending limit: US$ 10,000 on Standard and US$ 100,000 on Premium.
On a bank-card top-up your bank may add IOF and apply its own exchange rate.

Do I need an address abroad to use the card?

No: at checkout, enter the name and billing address exactly as they appear in the app. A mismatch between what you type and what is in the app is one of the most common reasons for a decline.

Some US services ask for a US address; if checkout does not accept the one in the app, do not invent an address, contact Guarapay support on Telegram.

What does a card without a foreign account not do?

It is not a physical card: it does not work at card terminals, at a counter or for cash withdrawals.
It is not a credit card: spending is limited to the balance.
It does not guarantee approval at every merchant: each shop has its own rules for prepaid cards.

Sources

FAQ

Do I need a foreign bank account to pay in dollars?

No; the virtual card with a dollar balance is issued in the app and topped up with a bank card or USDT.

How do I top up the card without a foreign account?

In the app, with a Visa or Mastercard bank card in your own name or with USDT, with no minimum.

Does a virtual international card work in every shop?

It works online wherever Visa cards are accepted, but some merchants may decline cards under their own rules.

How long does it take to get the card?

About two minutes in the app after sign-up and the identity check.