Zarub
Zarub
- Cashback
- None
- Monthly fee
- $0 (maintenance and closure free)
- FX / conversion
- USD → merchant currency at bank rate + $0.30 conversion; ~$0.35 per payment operation
- Issuance
- Standard virtual card $8 (from 630 RUB) · dedicated Apple Pay card $10
- Card type
- virtual
Eligibility & KYC — who can get it
· Eligibility noteNo KYC and no published restricted-country list — the virtual card is issued via the Telegram Mini App without identity verification. Marketed to Russia/CIS users for paying foreign online services; card BIN reported as USA/Hong Kong.
Issuer’s markets: Marketed to Russia/CIS users for paying foreign online services and subscriptions abroad. Card BIN reported as USA / Hong Kong.
Where you can pay
✓ Worldwide (online) — anywhere Visa/Mastercard is acceptedOfficial zarub.io (Russian): a virtual Visa/Mastercard with Apple Pay support to "pay for foreign online services with rubles ... fast, anonymously". It is a standard virtual Visa/Mastercard usable online anywhere those networks are accepted, with no official spend-geography limit published.
Plans & tiers
| Tier | Cost / requirement | Cashback | Perks & limits |
|---|---|---|---|
| Standard virtual card | $8 | 0% | Virtual Visa/Mastercard, Apple Pay/Google Pay, RUB + crypto top-up |
| Apple Pay card | $10 | 0% | Dedicated card for Apple Pay (cannot be used for App Store payments) |
Cashback details
No cashback program.
Spend from
Top-up: crypto (USDT, TRX, BTC, TON, CryptoBot) from 3% fee; RUB via SBP / Card2Card / Card MIR (~1.5-7% fee, varies by source). Card balance is denominated in USD.
Verification procedure
No KYC — documents/passport not required; issued via the Telegram Mini App.
AI subscriptions
★ Specifically designed for paying foreign AI subscriptions (ChatGPT, Claude, Netflix, Steam). No KYC. BIN: USA/Hong Kong. Apple Pay/Google Pay.
Good to know
Launched 2025. No-verification virtual Visa/Mastercard aimed at Russians paying foreign subscriptions (ChatGPT, Claude, Netflix, Steam, etc.). Apple Pay & Google Pay supported (Apple Pay requires the separate $10 card, which cannot be used for App Store payments). Min first top-up $10; $10-$2,000 per operation; up to $50,000/day and ~$1,000,000/month. No cash withdrawal. PRIMARY official channel is the Telegram bot @zarub_robot (support @zarub_help_bot). Since mid-2026 the official app also offers a KYC-gated physical-card delivery option (identity verification is required for delivery); the standard virtual card stays no-document. CAUTION: multiple look-alike domains exist (zarub.icu, zaruboplata.com, zarub.site) — verify the official channel before use.
Referral program
Conditions: Apply through a referral link to the @zarub_robot Telegram bot.
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