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Free tool
Crypto Card Top-Up Calculator
Find out how much USDT to send to end up with the card balance you need, or what a deposit is worth once it arrives. It shows the funding fee and the network fee separately, prices the same top-up on TRC-20, ERC-20 and Solana, and warns you when an amount falls below the card minimums.
Your top-up
Work forwards from the USDT you hold, or backwards from the card balance you need. Network fees are estimates: use the exact figure your wallet or exchange quotes before you confirm.
Result
Everything that leaves your wallet, and what you can actually spend.
USDT to send
521.83 USDT
Including the network fee
Total cost of funding
$21.83
4.37% of the balance you spend
Funding fee
$20.83
4% of $520.83 topped up
Network fee
$1.00
Paid in TRX, set by the blockchain or your exchange
Kripicard adds no FX markup and no authorization fee, so the balance above is what merchants charge against in any currency. The per-card issuance fee is separate and not included. Read the network guide: USDT TRC-20 (Tron).
Same top-up on every network
The funding fee is identical; only the network fee changes. On small top-ups that difference can matter more than the funding fee.
- TRC-20 (Tron)
- Send
- 521.83 USDT
- Total cost
- $21.83
- ERC-20 (Ethereum)
- Send
- 523.83 USDT
- Total cost
- $23.83
- Solana (SPL)
- Send
- 520.84 USDT
- Total cost
- $20.84
Not sure which to use? See TRC-20 vs ERC-20 vs Solana for card top-ups. Sent on the wrong one? Read what to do if USDT went to the wrong network.
Compared with a bank card abroad
If you would otherwise pay foreign merchants with a bank card, its FX markup is the cost to compare against.
Bank card FX cost
$15.00
On $500.00 of foreign spend
Difference
$6.83
The bank card is cheaper for this spend
This compares currency conversion only. It ignores bank card annual fees and the cost of buying USDT in the first place.
Frequently asked questions
What fees apply when I top up a crypto card?
Two. The funding fee is charged by Kripicard: a flat 4% of the amount you top up on the standard tier, reduced by up to 30% on the Agency tier. The network fee is charged by the blockchain, or by your exchange as a withdrawal fee, and has nothing to do with Kripicard. Once the balance is on the card there is no FX markup and no authorization fee.
Why is the network fee an estimate?
Because it changes. ERC-20 gas moves with Ethereum congestion, TRC-20 costs depend on the energy your wallet has and whether the receiving address has held USDT before, and exchanges set their own flat withdrawal fees per network. Replace the default with the exact figure your wallet or exchange shows on the confirmation screen.
Which network is cheapest for a small top-up?
Usually Solana, then TRC-20. Network fees are flat per transfer rather than a percentage, so a $3 gas fee is 0.3% of a $1,000 top-up but 15% of a $20 one. The comparison table shows the total cost of the same top-up on all three networks.
What are the minimum amounts?
A new card needs at least $10 to be created. After that, a top-up can be as small as $1. The calculator flags any amount below the relevant minimum.
Does the result include the card issuance fee?
No. The per-card fee is charged once when the card is issued and is listed on the fees page. This calculator covers what happens each time you add funds.