# BingCard review: KYC policy, privacy and safety grades

> BingCard is a card. Its terms put it at KYC level 3 of 4: ID on risk flag. NoKYC Score grades it 0.3/10 for privacy (poor) and 4.0/10 for safety (caution). In its favour: company named. To watch: it may ask for ID, screens deposits and holds your funds while you use it. No incidents are on record.

Source: NoKYC Score, "BingCard review", reviewed 22 Oct 2026, https://nokycscore.com/service/bingcard

## Key facts
- **Category:** Crypto Cards
- **KYC level:** 3 of 4: ID on risk flag
- **Grades:** Privacy 0.3/10, Safety 4.0/10
- **Sign-up:** Phone number required
- **Custody:** custodial
- **Fees:** 1% transaction fee stated on the homepage; other fees on the pricing page
- **Limits:** Limits are published on the website; figures were not reviewed
- **Jurisdiction:** Canada / Seychelles
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://bingcard.com

## What it is
BingCard offers virtual cards and a physical card from Hong Kong that are recharged with BTC, USDT, ETH or USDC. The homepage says virtual cards are available without KYC, subject to AML and regulatory requirements, while the physical card requires an online KYC process. The terms require a name, email and mobile number to register, allow the administrator to ask for an ID document, video authentication and source-of-wealth information, and allow an account lockdown without prior notice. The terms name Queensland Foreign Exchange, Inc. (Canada) and Second February Limited (Seychelles) as service providers and exclude US citizens and US-incorporated entities.

## What the terms say about ID
Terms allow requests for "an image of a valid ID document", video authentication and source of wealth, and permit account lockdown without notice; the physical card requires KYC.

## Features and warnings
- **Identity:** ID never required: no; No account needed: no; No email needed: no; No phone number: no
- **Payment:** Accepts Monero: not stated; Accepts Lightning: not stated; Accepts cash: not stated
- **Access:** Tor onion address: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: no; Independent audit: not stated; Company named: yes; 5+ years operating: not stated
- **Warnings:** May ask for ID: yes; Screens deposits: yes; Passes orders to partners: not in terms; Holds your funds: yes; Email required: yes; Phone number required: yes; Nobody accountable: not in terms

## Questions
### Does BingCard require KYC?
BingCard is rated KYC level 3 of 4 on this site: ID on risk flag. Terms allow requests for "an image of a valid ID document", video authentication and source of wealth, and permit account lockdown without notice; the physical card requires KYC.

### Is BingCard safe to use?
BingCard has a Safety grade of 4.0 out of 10 and a Privacy grade of 0.3 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is BingCard legit?
BingCard is a working card. It publishes the company that runs it, in Canada / Seychelles. Being real is not the same as being safe: its Safety grade here is 4.0 out of 10, built from custody, liquidity, track record and incidents.

### Is BingCard a scam?
NoKYC Score does not label services as scams; it records documented incidents with their sources and outcomes. No incidents are on record for BingCard. Its terms also allow it to hold a flagged deposit and ask for identity documents.

### Do I need an account or email to use BingCard?
Phone number required. A phone number is required.

### What fees does BingCard charge?
1% transaction fee stated on the homepage; other fees on the pricing page. Fees were recorded from BingCard's own pages and can change; check before you send.

### What are BingCard's limits?
Limits are published on the website; figures were not reviewed.

### Does BingCard have a Tor onion address?
No official onion address was found on BingCard's own pages.

### Which cryptocurrencies does BingCard support?
BingCard supports BTC, USDT, ETH, USDC.

### Is BingCard custodial?
Yes. BingCard holds funds during a trade, which means it is able to delay or freeze them.

### Can I use BingCard over Tor?
BingCard does not publish an official onion address.

## Sources
- https://bingcard.com
- https://bingcard.com/tos

How grades are calculated: https://nokycscore.com/methodology