The card
Two cards. One balance.
Every account starts with a virtual card. The metal card is an object you can hold, posted to your door. Both draw from the same balance and follow the same spend order.
Virtual and metal, side by side
| Virtual card | Metal card | |
|---|---|---|
| Available on | All plans | Metal plan (included); Plus plan (one-off $99) |
| Issued | Within 60 seconds of verification | Posted; see delivery times by country |
| Material | Stainless steel core, 0.8 mm, 18 g | |
| Card number | Shown in the app after Face ID, fingerprint or passcode | Laser-engraved on the back only |
| Validity | 3 years | 5 years |
| Contactless | Through your phone’s wallet | Yes, and through your phone’s wallet |
| Chip and PIN | No | Yes; PIN set in the app |
| Cash at ATMs | No | Yes, where the country allows it |
| Single-use numbers | Plus and Metal plans | |
| Cards per account | 2 on Essential, 5 on Plus, 10 on Metal | 1 at a time |
Spending and ATM limits depend on your plan and are listed in the fee schedule.
Design
The front carries a wordmark, a chip and a small square. Nothing else. Your name, number, expiry date and security code are engraved on the back in 7-point type.
The metal card comes in three finishes. Graphite is a bead-blasted dark steel that ages to a soft sheen. Bone is a matte, warm off-white enamel. Cinnabar, added in May 2026, is a red lacquer applied in four coats and cured by hand at our card bureau.
You choose a finish when you order. Changing finish later counts as a replacement card.
In the app
- 3.1
Freeze in one tap
Freezing stops new payments immediately. Refunds and subscription cancellations still arrive.
- 3.2
Per-card controls
Turn off online payments, contactless, ATM withdrawals or payments abroad for each card separately.
- 3.3
Merchant locks
On Plus and Metal you can lock a virtual card to the first merchant that charges it. Useful for subscriptions.
- 3.4
Phone wallets
Add either card to the wallet on your phone or watch and pay without taking the card out.
Lost something? Read what to do if your card is lost or stolen.