Personal / Cards
A card you can control.
Freeze it, set limits, get alerts. Virtual and physical cards, depending on the issuing partner and your eligibility.
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01 — Specification
How the card works
Issuance
Subject to identity verification.
Instant (virtual)
Delivery
Depends on issuing partner & country.
5–10 days (physical)
Freeze
Pause all new transactions instantly.
Immediate
Currencies
Spend in supported currencies without manual conversion.
Multi-currency
02 — Choose a form factor
Virtual, physical or metal.
Every account can hold more than one card. Start virtual for the day it's approved, add physical for everyday carry, or move to metal once you need higher limits.
Virtual
Issuance
Instant
Material
None — in-app only
Best for
Online purchases, subscriptions, trying Spuke
Limit tier
Standard tier
Physical
Issuance
5–10 days
Material
Composite, woven-fibre core
Best for
Everyday carry, in-store and ATM
Limit tier
Standard or Plus tier
Metal
Issuance
10–15 days
Material
Stainless steel faceplate
Best for
Frequent travel, higher limits
Limit tier
Metal tier, 0% FX markup
03 — Materials
Two close-ups of the physical card, as issued by our partner.
A textured internal layer, chosen for durability across the card's working life.
A matte finish designed to resist scuffing from daily carry and repeated tap use.
04 — Controls
Controls that respond instantly.
Freeze card
Instantly pause all new transactions on this card.
Spending limit
Cap monthly spend at a level you choose.
Real-time alerts
Get notified the moment a transaction is made.
05 — Limits
Choose a limit tier
Standard
€10,000
Monthly spend cap
Plus
€25,000
Monthly spend cap
Metal
€75,000
Monthly spend cap
Tiers, limits and eligibility depend on the issuing partner and your account and are subject to change. Figures shown are indicative.
06 — Issuance
From application to arrival.
- 01
Apply
Request a card from your account once eligibility checks pass.
- 02
Verify
Identity and eligibility are confirmed by the issuing partner.
- 03
Produced
Virtual cards are issued instantly; physical cards enter production.
- 04
Delivered
Physical cards ship in 5–10 days, depending on country.
Get started
Order your card
Open an account to request a card, subject to verification and issuer eligibility.
Card type and availability depend on the issuing partner and customer eligibility.