Top Up Free and Withdraw Anywhere — Karta Personal Now Supports 22 Withdrawal Networks
One Card. Full Control Over Your Crypto.
If you are a freelancer serving international clients, a digital nomad, or someone who earns in crypto, getting money onto a spendable card — and moving it back out when needed — has always been harder than it should be.
karta.io Personal already solved the top-up side: USDT and USDC deposits are free on seven major networks. Now the platform has solved the other half of the equation.
Right now: Withdraw funds to external wallets in USDT, USDC, ETH, WBTC, BNB, or USDE via 22 blockchain networks—with a fee starting at 0.9 USDT and 0.1% of the transfer amount.
Previously, withdrawals were limited to USDT on Polygon only. The new release removes that constraint entirely.
Funding Your Card: Supported Top-Up Tokens
You can deposit to your karta.io Personal card using two stablecoins:
- USDT — Tether, the world's most liquid stablecoin
- USDC — USD Coin, fully reserved and audited
Your card balance is held in USDT. Top-ups in USDT or USDC convert at 1:1 with no markup. All other tokens (ETH, WBTC, BNB, USDE) are available for withdrawal to external wallets — see the section below.
Top-Up Networks & Fees
8 networks supported for stablecoin deposits. Seven are completely free:
If you hold USDT or USDC on Polygon, Base, Optimism, BSC, Arbitrum, Solana or Ethereum — you can fund your card at zero cost. Only Tron carries a fixed fee of 5.90 USDT per deposit.
What's New: Withdraw to 22 Networks in 6 Tokens
Previously, karta.io Personal supported withdrawals only in USDT on the Polygon network. Starting with this release, you can send funds from your karta.io wallet to any external crypto address across 22 blockchain networks — in the token of your choice.
Supported Withdrawal Tokens
Six tokens are available for sending to external wallets:
Supported Withdrawal Networks & Fees
22 networks are available. Most carry a network fee of just 0.9 USDT:
For most users, the 0.9 USDT fee tier — covering 19 networks including Polygon, Arbitrum, Base, Optimism, BSC, TON and more — makes withdrawals effectively negligible in cost. Ethereum and Tron carry a 4.9 USDT fee reflecting their on-chain gas costs. Solana sits at 2.9 USDT.
Before and After: What Changed
Full Karta Personal Fee Overview
No hidden fees, no monthly subscription:
* Visa applies an additional 1% fee on all payments and ATM withdrawals made in currencies other than USD. This is a standard Visa charge, separate from karta.io's fees.
Which Network to Use — By Region
The best network for top-ups and withdrawals depends on where you are and which exchanges or wallets you already use.
United Arab Emirates
The UAE has a mature crypto ecosystem — Binance, OKX, Bybit all operate locally. BSC and Ethereum offer free top-ups. For withdrawals, the 0.9 USDT fee networks (Polygon, Arbitrum, Base) are ideal for sending ETH or USDC to a self-custody wallet.
🇦🇪 United Arab Emirates
Best networks: Top-up: BSC (free), Ethereum (free) · Withdraw: Polygon, Arbitrum, Base (0.9 USDT)
Top-up tokens: USDT, USDC
Best for: Freelancers, digital nomads, remote workers receiving international payments
Kazakhstan
OTC desks and local exchanges deal heavily in TRC-20 USDT. For zero-fee top-ups, BSC or Solana are the better paths. Withdrawals via TON (0.9 USDT) are a natural fit for Telegram wallet users in Kazakhstan.
🇰🇿 Kazakhstan
Best networks: Top-up: BSC (free), Solana (free) · Withdraw: TON, Polygon (0.9 USDT)
Top-up tokens: USDT, USDC
Best for: IT freelancers, remote contractors, individuals receiving payments from EU companies
Serbia
Serbia's DeFi-native users and MetaMask/Ledger holders will find the entire ETH L2 stack — Polygon, Arbitrum, Optimism, Base — available for both free top-ups and cheap withdrawals at 0.9 USDT.
🇷🇸 Serbia
Best networks: Top-up: Polygon, Arbitrum, Optimism, Base (all free) · Withdraw: same (0.9 USDT)
Top-up tokens: USDT, USDC, ETH
Best for: Developers, designers, content creators receiving international payments
Latin America
Stablecoins serve as a practical USD hedge across the region. TRC-20 remains the most common OTC corridor, but BSC offers free top-ups. For withdrawals, Celo (0.9 USDT) is gaining traction as a mobile-friendly option alongside BSC.
🌎 Latin America
Best networks: Top-up: BSC (free), Solana (free) · Withdraw: BSC, Celo, Polygon (0.9 USDT)
Top-up tokens: USDT, USDC
Best for: Freelancers hedging local currency, individuals earning in USD or EUR
Indonesia
Indodax and Tokocrypto users most commonly withdraw via BSC or TRC-20. BSC top-ups are free on karta.io. For withdrawals, BSC and opBNB at 0.9 USDT are the lowest-friction option in the local ecosystem.
🇮🇩 Indonesia
Best networks: Top-up: BSC (free), Solana (free) · Withdraw: BSC, opBNB (0.9 USDT)
Top-up tokens: USDT, USDC
Best for: Freelance developers, digital creatives, individuals working with international clients
Thailand
Bitkub users and Telegram-active users in Thailand have two strong options: BSC for free top-ups and ultra-cheap withdrawals, and TON at 0.9 USDT for those managing funds via Telegram wallets.
🇹🇭 Thailand
Best networks: Top-up: BSC (free), Solana (free) · Withdraw: TON, BSC (0.9 USDT)
Top-up tokens: USDT, USDC
Best for: Freelancers, remote workers, individuals spending internationally
How to Top Up Your karta.io Card
- Open the karta.io app and go to your card or balance page.
- Select "Top Up" → "Crypto." Choose USDT or USDC, then select one of the 8 supported networks.
- Send from your wallet or exchange to the deposit address shown. Top-ups on 7 networks are free — only Tron carries a 5.90 USDT fee.
How to Withdraw to an External Wallet
- Open the karta.io app and go to "Send" or "Withdraw."
- Choose your token — USDT, USDC, USDE, ETH, WBTC or BNB.
- Select your destination network from the 22 available options and enter your wallet address.
- Confirm the transaction. Network fee is shown before you confirm — starting at 0.9 USDT on most networks.
Why karta.io Personal
- Free top-ups on 7 networks — Polygon, Base, Optimism, BSC, Arbitrum, Solana, Ethereum.
- Withdraw in 6 tokens across 22 networks — from 0.9 USDT per transaction.
- Visa card, issued in the US — works online and in-store, Apple Pay and Google Pay supported.
- No monthly, annual, or inactivity fees — pay only when you spend (1.5% card payment fee).
- No bank dependency — fund and withdraw directly from crypto wallets.
- Telegram integration — manage balance, track spending, and get support via Telegram bot.
