TakeCard

The TakeCard is Takenos' international Visa prepaid card, issued in the United States and linked directly to your Takenos USD balance. It can be used for online and in-store purchases wherever Visa is accepted, subject to merchant and regional restrictions.

Takenos offers a virtual card and, in selected countries, a physical card. The virtual card is available immediately after approval, while the physical version adds chip payments and ATM withdrawals. Because it is prepaid, you can only spend money already available in your Takenos account. There is no credit line, debt or interest.

The TakeCard is a prepaid Visa card. Takenos states that you can only spend the balance already available in your account, so the card does not create debt or charge interest.

Some merchants may recognise the card as a credit card because it is issued in the United States, and Takenos advises users to choose 'credit' at checkout if a merchant gives that option and a transaction is otherwise rejected. That processing behaviour does not change the underlying product: economically, the TakeCard remains prepaid and cannot spend beyond your available balance.

Your Takenos account balance is the balance available to the TakeCard, so you do not need to maintain a separate card wallet. When you make a purchase, the amount is deducted automatically from your available Takenos funds.

Takenos accounts are dollar-based, so a USD purchase is deducted at 1:1 before the card fee. Purchases in another currency are converted by Visa using its applicable exchange rate. If there is not enough balance to cover the purchase and fees, the transaction is declined rather than creating a negative balance.

The virtual TakeCard currently costs $5 to activate. Physical-card pricing depends on the country. Takenos' latest Help Centre lists the physical card at $20 issuance plus $20 shipping in Bolivia and $12 in Ecuador, while some other Takenos pages still show older Bolivia pricing.

Because Takenos' own documentation is not fully synchronised, the amount displayed in the app when ordering should be treated as the final current price. The virtual card is the more straightforward option because its $5 activation price is consistently published.

Takenos currently charges a 1% fee on TakeCard purchases. For a $100 USD transaction, for example, $101 is deducted from your Takenos balance.

For non-USD purchases, Visa converts the merchant amount into dollars using its official exchange rate for the transaction date, and the 1% Takenos purchase fee still applies. There is no separate Takenos exchange-rate markup disclosed for USD purchases, which are handled at 1:1. Merchant dynamic currency conversion can create an additional cost, so paying in the merchant's local currency is generally clearer.

Takenos keeps the account in USD. If you pay in dollars, the purchase amount is deducted at 1:1, plus the 1% card-purchase fee. If you pay in euros, pesos or another currency, Visa converts the transaction into USD using its official exchange rate for that day.

Takenos does not publish a separate percentage FX markup on top of Visa's conversion in its current card guidance. The practical cost is therefore the Visa conversion plus the standard 1% purchase fee. A merchant's own currency-conversion offer can still be more expensive and is separate from Takenos.

Yes, but only with the physical TakeCard. Takenos currently charges 1% on ATM withdrawals, and the ATM operator can add its own fee, which Takenos says is often around $5 but varies by location.

The virtual card does not provide normal ATM access. Because physical cards are currently available only in selected countries, cash access is not universal for every Takenos user. Before relying on the card abroad, check the withdrawal limit and fee shown in the app and review any surcharge displayed by the ATM before confirming the transaction.

Yes. Takenos says the virtual TakeCard can be used with Apple Pay and Google Pay, making it possible to use the card for compatible contactless payments without waiting for a physical card.

Mobile-wallet payments use the same Takenos balance, Visa conversion rules and 1% purchase fee as the underlying card. Availability can still depend on your country, device and wallet eligibility. If the card cannot be added, use Takenos' in-app support rather than assuming that every Apple Pay or Google Pay market automatically supports the TakeCard.

Yes. Takenos offers an instant virtual TakeCard for online purchases and supported mobile wallets. The physical card adds direct in-store use and ATM withdrawals.

Physical availability is currently much narrower. Takenos' Help Centre says the physical TakeCard is available to users in Bolivia and Ecuador, while the virtual card is the more broadly accessible version for eligible Takenos users. Physical pricing and delivery costs vary by country, so the live order screen should be checked before applying.

Yes. The TakeCard is issued on the Visa network and Takenos describes it as an international card for purchases anywhere Visa is accepted, both online and in stores.

Because the account is denominated in USD, non-dollar purchases are converted by Visa and then deducted from your Takenos balance. The standard 1% purchase fee still applies. Some merchants may process the card as credit rather than debit because of its U.S. issuance, so Takenos advises selecting credit when a checkout terminal asks and a debit attempt fails.

Takenos says the TakeCard is issued in the United States, so the typical Argentine card taxes applied to locally issued cards for foreign purchases do not apply in the same way. Takenos currently says users pay the purchase price plus its 1% card fee.

There can still be local tax exceptions. Takenos specifically notes an additional provincial gross-income tax for some users registered in San Juan, depending on the merchant. Tax treatment can change and depends on the user's circumstances, so this should not be treated as personal tax advice.

No. The TakeCard spends the USD balance available in your Takenos account. It is not a card that automatically selects Bitcoin, Ether or another crypto asset at the moment of checkout.

If you bring value into Takenos from crypto or another source, that value must first become part of the spendable Takenos account balance. The merchant then receives an ordinary Visa payment. This makes the TakeCard closer to a dollar-based prepaid card connected to a digital account than to a self-custodial crypto card.

You need an eligible Takenos account and must complete the identity and compliance checks required for the card. Virtual-card availability is broader than physical-card availability, while the physical TakeCard is currently limited to selected countries such as Bolivia and Ecuador.

Takenos can also apply card limits or restrictions based on risk, verification and programme rules. The most reliable eligibility check is whether the international card option appears inside your verified Takenos app. Broader access to Takenos does not automatically guarantee access to every card format.

Open the Takenos app, go to Cards and choose the International card option. For the virtual TakeCard, tap the option to request the card and complete the on-screen steps. Takenos says the virtual card becomes active immediately and currently costs $5.

If the physical card is available in your country, use the physical-card request flow, enter the delivery details, review the current issuance and shipping costs, then activate the card in the app after it arrives. Physical availability and pricing vary by country.

For TakeCard, account or transaction problems, use Takenos' in-app chat. Takenos also publishes WhatsApp support at +54 9 11 2471-6668 and maintains official social channels.

The official Help Centre is available at https://help.takenos.com and includes dedicated articles on TakeCard fees, exchange rates, taxes, eligibility and physical-card access. For a payment issue, keep the merchant, amount, date and any decline message available. Never share passwords or one-time authentication codes with someone contacting you unexpectedly.