orca
Orca Cards pricing
Pay once to open the card; after that, only the top-up rate. Right now it is ≈ 90.3 ₽ / $1.
Every fee
| Item | Price | Details |
|---|---|---|
| Virtual card opening | 1,990 ₽ | Once. No annual fee. |
| Monthly fee | 0 ₽ | Nothing per month or per year, even if the card is idle. |
| Top-up | at the rate | One public ruble-to-dollar rate, shown on the site and in your order before you pay. No percentage on top. |
| Minimum top-up | 1,500 ₽ | At least $15 lands on the card. |
| Maximum top-up | 50,000 ₽ | Per payment. Up to 3 payments and 100,000 ₽ a day. |
| First payment | from 3,490 ₽ | 1,990 ₽ opening plus the 1,500 ₽ minimum top-up in one SBP payment. |
| Declined payment | 0 ₽ | Nothing is charged when a merchant declines. |
| Other currencies | Visa rate | The balance is in USD; euro and other currencies are converted by Visa. |
| Merchant refund | 0 ₽ | Returns to the card in USD. |
| Plastic card | 9,990 ₽ | The first 500 preorders pay 7,990 ₽. The waitlist is free; nothing is charged before launch. |
Do the maths
The calculator uses the same rate as the app. Everything we earn on a top-up is already inside it.
Lands on the card
- Card opening, once
- 1 990 ₽
- Card balance
- —
- Rate
- Loading the rate…
Loading the rate. Reference on 27.10.2026: about 90.3 ₽ per $1; the exact rate is shown before you pay.
How the market usually charges
| Orca Cards | Typical foreign-card service | |
|---|---|---|
| Opening | 1,990 ₽ once | 990–3,990 ₽ |
| Monthly fee | 0 ₽ | monthly or annual fees are common |
| Top-up rate | one, public, before you pay | markup inside the rate, often seen only after paying |
| Top-up fee | none, all in the rate | a separate percentage on top happens |
| Declined payments | 0 ₽ | sometimes charged |
A summary of public prices of foreign-card services as of October 2026. Individual services differ; compare the final dollar amount on the card.