What are the features of the PAYGO card?


It’s safe because it’s a debit card tied to your bank account. You can also use the management of your big funds with confidence.

High speed

Transfers between PAYGO accounts can be transferred instantly and you can easily charge your PAYGO card.


Paygo card can be used at any global ATMs and online and offline member stores worldwide. Rate at the time of use is applied so there is no risk.

Easy PAYGO card charge

The PAYGO card can be used as a debit card after the funds have been charged from the PAYGO account to the PAYGO card.
You can apply for a fund charge from My page quickly and easily.

PAYGO customers

PAYGO / Bank

PAYGO customers
Card use

Is applying for a PAYGO card complicated?

It is easy because it is attached when you open your PAYGO account.

*Customers are responsible for any costs incurred after shipping the PAYGO card, such as customs duties.

ID issued by the Government

ID card, driver’s license, passport, etc.

The PAYGO card will take about 3 to 12 weeks to be delivered through the bank screening process.

PAYGO customers
Card application (account opening)



PAYGO customers
Card receipt

How to charge my PAYGO debit card?

PAYGO card can be used after receiving the PAYGO card and completing the card activation procedure.


Card activation

When you receive the card, please complete the card activation on the PAYGO site.


Fund charge

Click “Charge” from “Banking” on the PAYGO site
Enter funds to charge
(minimum $1 or more)”


Card use

Please use at ATMs and shopping

PAYGO card usage limit and fee

PAYGO card usage limit

LimitsCredit limit
Daily usage limitUnlimited
Settlement amount for one monthUnlimited
ATM withdrawal limit per dayUSD 20,000 –
(ATM withdrawal amount differs for each ATM.)
ATM withdrawal limit per monthUSD 600,000 –


Type of fund transferTransaction Fee
Deposit feeInternational money transfer: 1%
Domestic remittance: 0.5%
Mastercard/VISA: 10%
Bitcoin: 0.5%
USDT: 0.5% (* scheduled for October)

Click here for the latest fees
Card issuance feeUSD 500
(Shipping fee will be charged separately.)
First deposit amountUSD 300
Minimum transfer amountUSD 1
Overseas purchase handling fee3%
ATM withdrawal fee3%
(ATM usage fee will be charged separately. It depends on the area to be withdrawn and the ATM used.)
Membership fee13 months after issuing the PAYGO card USD 100 every year
Current balance confirmationOnline: Free
Card reissue fee
(Reissue fee after expiration of validity period)
USD 100
(Shipping fee will be charged separately.)
Reissue of PIN
(Personal Information Number)
USD 100

*Card rates are determined by the card company.

*Regarding card reissue Please contact us.

*Customers are responsible for any costs incurred after shipping the PAYGO card, such as customs duties.

Prohibited countries

In the following countries, you cannot use the PAYGO card even for a trip.

MyanmarRepublic of Cote d’IvoireDemocratic Republic of the CongoDemocratic People’s Republic of Korea
Federal Republic of SomaliaRepública de CubaState of EritreaRepublic of Guinea
Syrian Arab RepublicRepublic of ZimbabweIslamic Republic of IranRepublic of Iraq
Republic of Liberia

Withdraw ¥150,000
from an ATM in Japan

Pay €80
at a restaurant in Naples


Pay for a ₩500,000 bag
at a shopping mall in Seoul

Withdraw $1,000
from an ATM in New York


The PAYGO card is a card that supports the use of funds in your PAYGO account anywhere in the world.

PAYGO card can be used after the card has been funded from your PAYGO account.

The PAYGO card is a bank debit card. You can use your PAYGO card to withdraw cash from any global ATM machines around the world, and pay at restaurants and shops which accept VISA cards.

There is no daily limit for payment at VISA member stores. Maximum cash withdrawal from ATMs is US$20,000 per day.