ripio review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Ripio is a prepaid crypto card on the visa network, and it suits people in Brazil who already hold crypto and want to spend it without a monthly charge. The monthly fee is BRL 0, and cashback of 5% comes back on spending.
Key facts
- Best for
- A prepaid crypto card with no monthly fee and cashback on everyday spending.
- Monthly fee
- R$0 (Source, checked September 26, 2026)
- Card type
- Prepaid (Source, checked September 26, 2026)
- Cashback rate
- 5% (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Headquarters
- Argentina (Source, checked September 26, 2026)
- Founded
- 2013 (Source, checked September 26, 2026)
- Features
- Crypto
- Official website
- ripio.com
Pros and cons
Pros
- The monthly fee is BRL 0, so the card costs nothing to hold month after month.
- Spending earns cashback of 5%, a reward few prepaid cards pair with a free monthly fee.
- It runs on the visa network, so it fits the shops and terminals people already use.
- It sits at position 1 on monthly fee among 419 brands.
Cons
- It is a prepaid card, so you can spend only the balance you have loaded and there is no overdraft to cover.
- The card is built around crypto use, so it is a spending wallet rather than a wider money account.
- It scores 6 overall, so the case rests on the BRL 0 monthly fee rather than on richer perks.
Who it suits
- People in Brazil who hold crypto and want a prepaid card to spend it on the visa network.
- Anyone who wants 5% cashback on everyday spending without a monthly charge.
- You who prefer a simple prepaid card to a current account, since the monthly fee is BRL 0.
Who should look elsewhere
- Skrill, if you want a full money account and a monthly fee of €5 is not the blocker.
- JMMB Moneyline and JMMB Money Transfer prepaid card, if your spending is about transfers rather than crypto use.
- CrediMax Cardy EX prepaid Visa, if a prepaid Visa card at BHD 0 a month suits you better than a crypto card.
How ripio compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 9.6
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Where ripio is available
- Available
- Argentina, Brazil
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Ripio card cost each month?+
The monthly fee is BRL 0, so holding the card adds nothing to a monthly budget. Ripio is a prepaid card, which means money is loaded onto it first and the card spends only that balance. On top of that, spending earns cashback of 5%, so part of what you put through the card comes back.
Is Ripio a debit card or a prepaid one?+
It is prepaid, not a debit card. You add funds to the card, and the balance is what it can spend, so the balance cannot go negative and there is no overdraft to cover. That suits people who want to stay strictly within what they hold, and it is why the monthly fee can sit at BRL 0.
Which network does the Ripio card run on?+
The card runs on the visa network, the one most shops in Brazil already take. It is a prepaid card on that network, so it works in person at the till and online wherever the network is accepted. If you are outside Brazil, check that your home market accepts visa before you rely on the card.
Does Ripio pay cashback on what I spend?+
Yes, spending pays cashback of 5%, and that is the reward on offer rather than points or travel miles. Set against a monthly fee of BRL 0, an everyday card costs nothing to hold and hands part of what you spend back. Ripio is a prepaid card, so the balance you load is what the cashback is paid on.
Where does Ripio come from?+
Ripio is based in Argentina and was founded in 2013. It is a crypto business, and the card is the crypto use case that follows from it: a prepaid card on the visa network, not a salary account. If you already hold crypto, that origin makes sense; if you do not, the card adds less.
How does Ripio compare with other free prepaid cards?+
On monthly fee it sits at position 1 among 419 brands, and the site median is €0. Skrill charges €5 a month, while the JMMB prepaid card and the CrediMax Cardy EX prepaid Visa are also at JMD 0 and BHD 0. What Ripio adds is 5% cashback.
How does Ripio score overall?+
Ripio scores 6 overall, and the cost part of that is 6. The cost picture rests on a monthly fee of BRL 0 and 5% cashback, with prepaid funding rather than borrowing. For readers who weigh what an account costs, that is the reason to shortlist it; for readers who want a wider product, the card is narrow by design.
Is a prepaid card the right choice for me?+
Prepaid cards are a small part of what DebitCue lists, at 20.4%, against 74.3% for debit cards. Ripio sits in that smaller group, since it is prepaid and built around crypto. Choose it for the visa network with 5% cashback and no monthly charge; a bank account suits people who want a salary or an overdraft.
Sources
- bullsgazette.com/news/business/2022/visa-partners-with-cr... checked September 26, 2026
Backs: Card network
“users of the Ripio Card won't pay any fees ... anywhere that accepts Visa”
- en.wikipedia.org/wiki/Ripio checked September 26, 2026
Backs: Founded, Headquarters
“Founded 2013 in Buenos Aires, Argentina”
- newsletter.brazilcrypto.io/p/bcr-56-ripio-unveils-5-bitco... checked September 26, 2026
Backs: Cashback rate
“Customers will earn 5% cashback on purchases with the card”
- bitdegree.org/crypto/news/ripio-and-visa-roll-out-a-prepa... checked September 26, 2026
Backs: Features
“users can use prepaid Visa crypto cards to pay for everyday purchases”
- bitdegree.org/crypto/ripio-review checked September 26, 2026
Backs: Card type, Monthly fee
“As a prepaid card, the Ripio Card instantly deducts the payment amount”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
ripio
A prepaid crypto card with no monthly fee and cashback on everyday spending.