Note: Educational content only. This is not tax, legal, or financial advice.
2Fiat Reloadable Apple Pay Mastercard — Reviewed
The 2Fiat reloadable Mastercard lets you purchase a virtual card using Monero (XMR) and add it to Apple Pay or Google Pay. No account or ID is required to obtain the card. You buy the card first, then reload it with the amount you want.
What You Get
- Reloadable Mastercard compatible with Apple Pay and Google Pay.
- No KYC/ID required to obtain the card.
- One-year lifespan from issuance.
- Self-service portal to view balance, toggle activation, and enable 2FA.
Important Distinction
2Fiat offers two products:
- 3-D Secure reloadable card: does not support Apple Pay or Google Pay.
- Apple/Google Pay reloadable card: the product reviewed here.
Fees, Costs, and Limits
- Card price: $50 total ($30 issuance + $20 starting balance).
- Reload fee: 6.8% of the top-up amount.
- Authorization fee: a small per-transaction authorization fee applies to approvals, reversals, and declines.
- Reload limit: up to $10,000.
- Validity: card lasts for one year.
How to Buy with Monero
- Choose the Apple/Google Pay compatible reloadable card.
- Click the Monero option to generate an invoice with amount, address, and QR code.
- Send the exact amount from your XMR wallet and wait for confirmation.
- After payment completes, access your card details in the portal.
How to Add to Apple Pay
- Open Wallet on iPhone and choose Add Card.
- Enter the card number, expiration date, and CVV from the portal.
- When prompted for verification, select Email (the address you provided).
- Enter the verification code to finish adding the card.
Where It Works (and Doesn’t)
- Works: standard merchants where the total due is less than or equal to your available balance plus fees.
- Doesn’t work well: gas pumps and other pre-authorization scenarios where the final amount is unknown. Pay inside with a set amount instead.
- No split payments: you cannot drain the card and cover the rest with another method. Ensure the full amount plus fees is on the card before paying.
Security Features
- Instant deactivate/activate: toggling deactivation immediately prevents Apple Pay usage.
- 2-factor authentication: optional code required to view card details in the portal.
Pros
- No KYC to obtain the card.
- Apple Pay and Google Pay compatibility.
- Reloadable up to a generous limit.
- Quick setup after Monero payment confirms.
Cons
- 6.8% reload fee adds up for frequent top-ups.
- No split payments and not ideal for gas pumps or large pre-auths.
- Authorization fee applies even to reversals and declines.
- One-year lifespan requires re-issuance after expiry.
Tips for Smooth Use
- Load slightly more than your expected purchase to cover fees and prevent declines.
- Avoid pre-auth merchants when possible; pay set amounts inside for fuel.
- Keep email access ready for Apple/Google Pay verification codes.
- Use the portal to deactivate quickly if you suspect compromise.
Verdict
If you want a reloadable Mastercard that you can buy with Monero and use via Apple Pay or Google Pay, the 2Fiat option is a practical choice. It trades convenience and privacy for higher reload fees and stricter payment rules. Plan your loads carefully and avoid split-payment scenarios to get the best experience.
Disclosure
This review is independent and not sponsored or affiliated. For more ways to live on Monero, visit Monerica. Always do your own research and spend responsibly.
