Banki Card

4 tiers. Same OS. From virtual to 18K gold.

Apply, get approved, and use the same day. Topup from BankiPay, freeze/unfreeze instantly, set 6-digit ATM PIN, replace lost card in 3 days.

Apply for a card See card tiers

What you get

4 card tiers

Virtual → Physical → Metal → 18K Gold. Same API, same OS, just different limits + materials.

6-digit ATM PIN

Set or change in-app. Hashed (SHA-256) with customer_number salt. Never stored in plaintext.

Freeze in 1 tap

Lost your card? Freeze instantly. Unfreeze when found. No support call needed.

Lost card replacement

Mark lost in-app. Reissued card ships in 3 business days. Old card killed remotely.

Topup from BankiPay

Move USD from your BankiPay balance to your card. Reflects instantly.

Apple Pay + Google Pay

Add to wallet the same day you're approved. Use at any contactless terminal.

In practice

Personal · Jin · remote worker

Jin applied for a Virtual card on Monday, got approved and issued in 2 hours, added to Apple Pay, paid for a $189/month SaaS tool. The card topup pulled $200 from his BankiPay. Card balance: $11.

2 hours

From apply to spend

At a glance

Card tiers

Virtual issuance

6-digit

ATM PIN

Top-up fee