Privacy.com review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Privacy.com charges a monthly fee of $0 and rewards business spending with 1% cashback, but conversion costs can run as high as 0% to 3%. It suits business users who want virtual cards and can control funding.
Key facts
- Best for
- Business spending on virtual cards with no monthly fee
- Monthly fee
- $0↗
- Currency conversion fee
- 0% to 3%↗
- Card type
- Virtual↗
- Top-up fee
- No funding fee (bank account or debit card)↗
- Cashback rate
- 1%↗
- Card network
- Visa↗
- Legal entity
- Lithic, Inc. (d/b/a Privacy.com)↗
- Headquarters
- United States↗
- Founded
- 2014↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Virtual card
- Audience
- Business
- Official website
- privacy.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- XLinkedInchromewebstore.google.com
Pros and cons
Pros
- Monthly fee of $0 for business cards
- Cashback of 1% on business spending
- Cards are virtual, with virtual card
- Support runs by email, phone and help centre
Cons
- Currency conversion can reach 0% to 3%
- Cards are virtual, so a physical card is not part of the offer
- The service is aimed at a business audience
Who it suits
- Business users paying suppliers or contractors in other currencies
- Teams that want virtual card for online subscriptions
- Anyone who wants visa cards with no monthly cost
Who should look elsewhere
- Monzo Flex, if a physical card for daily spending matters more
- Wise, if a lower 0% to 3% on large currency conversions is the priority
- Bitpanda, if holding crypto on the same platform matters
How Privacy.com compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.6
9.1 vs 9.0
9.1 vs 9.1Bitpanda pairs a monthly fee of €0 with crypto trading and custody, which Privacy.com does not offer.
9.1 vs 8.9
9.1 vs 8.1
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 8.9- 9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.3
Where Privacy.com is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Privacy.com cost each month?+
A business card carries a monthly fee of $0. Funding the account adds nothing, as No funding fee (bank account or debit card). Spending earns 1% cashback, so the card pays for itself when the business uses it.
How much does Privacy.com charge to convert currency?+
Currency conversion runs 0% to 3%, depending on the currency and the card network used. The card sits on visa, so the rate a merchant charges can add to the fee. Users who trade large amounts should plan for the top of the range.
What kind of card does Privacy.com issue?+
The offer is virtual, and the listed feature is virtual card. Cards are issued on the visa network, so they work at online merchants and for recurring software subscriptions.
Who is Privacy.com built for?+
The stated audience is business. That makes it a fit for companies paying contractors or suppliers, and less relevant for personal everyday banking. The legal entity behind the service is Lithic, Inc. (d/b/a Privacy.com), based in the United States.
How does a Privacy.com card get funded?+
Funding is free, since No funding fee (bank account or debit card). A business can top up from an existing bank account or debit card and then pay with the card balance. The company was founded in 2014.
Can you reach Privacy.com support?+
Support runs on email, phone and help centre, so there is help-centre documentation alongside email and phone contact. That mix suits business users who need to settle a card dispute quickly.
Does Privacy.com offer a physical card?+
The card type listed is virtual, with virtual card as the feature. People who need a card for in-person payments would look at a physical debit card instead.
Sources
- privacy.com checked September 26, 2026
Backs: Card type, Features
“A virtual card is a unique 16-digit card number with a CVV code and expiration date that can be generated instantly and used to make purchases online or over the phone. Think of it as a normal credit...”
- privacy.com/about checked September 26, 2026
Backs: Founded
“In 2014, we had an idea for a better way for people to pay.”
- privacy.com/cardholder-agreement checked September 26, 2026
Backs: Currency conversion fee, Card network
“For each transaction, the greater of 3% of the foreign transaction in US dollars or $0.50 for users on Privacy's Personal tier. Users on Privacy's Pro or Premium tier have no foreign transaction fees.”
- privacy.com/pricing checked September 26, 2026
Backs: Audience, Cashback rate, Monthly fee
“Premium $25/mo. ... Best for Small Businesses”
- privacy.com/terms checked September 26, 2026
Backs: Headquarters, Legal entity, Top-up fee, Support channels
“Lithic, Inc. (d/b/a Privacy.com) 228 Park Ave S PMB 57488 New York, NY 10003-1502 United States”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.