Oobit

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Oobit scores 8 of 16 on the CBL Card Score. Oobit, Visa. Connected wallet or custodial app balance. Third National, money transmitter, named in the card terms.

CBL Card Score: 8 of 16

Criterion	Points	What we found	Source
Custody	1 of 2	Two ways to pay: from a connected self-custodial wallet such as MetaMask, Trust Wallet or Phantom, without preloading, or from a balance in the Oobit app (third-party: cardpilled; SpendNode). The app balance is custodial, held by Oobit for the user, who keeps title (official, Brazil terms). How the wallet-connected route settles in Europe is not stated on Oobit's pages.	official checked 29 September 2026
Issuer and licence	1 of 2	The card terms name Third National as the card issuer, with Oobit Technologies UAB giving access to the cards (official, card terms, effective 1 Aug 2025). Third National (Nimbus LLC) is a US money transmitter, not a bank.	official checked 29 September 2026
Availability	2 of 2	83 countries including EU states, the UK, the UAE and Saudi Arabia (third-party: SpendNode, 27 Sept 2026). Oobit's own site names the UAE among its markets (official). The card terms apply to non-US residents only (official).	third-party checked 29 September 2026
FX fee on a foreign-currency purchase	1 of 2	Foreign exchange fee up to 1.5% (official, card terms). A third party measured about 3.1% on a non-USD purchase (third-party: SpendNode).	official checked 29 September 2026
Funding cost	0 of 2	A transaction fee of $0.25 or 1% of every purchase, whichever is higher (official, card terms). Returned payment fee $29 (official). No annual or issuance fee for the virtual card (third-party: cardpilled; SpendNode).	official checked 29 September 2026
Apple Pay and Google Pay	2 of 2	Apple Pay and Google Wallet (official).	official checked 29 September 2026
Freeze and dispute policy	1 of 2	The issuer may suspend, revoke or cancel the account at any time, with or without cause and with or without notice. Disputes must be raised within 60 days of the charge appearing on the statement; no response time is stated. Binding arbitration, Puerto Rico law (official, card terms).	official checked 29 September 2026
Yield on idle balance	0 of 2	No yield on idle balances found (official; third-party: cardpilled).	official checked 29 September 2026

Total 8 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

29 September 2026

8 of 16

First score

Standing

Company	Oobit Technologies UAB, Lithuania, provides the card to non-US users (official, card terms). In Brazil, Oobit Tecnologia LTDA, with Pomelo Instituição de Pagamento LTDA., supervised by the Central Bank of Brazil (official, Brazil terms). In the US, crypto services with Bakkt Financial Solutions I, LLC, a FinCEN-registered money services business with state money transmitter licences (official). Tether led a $25M funding round in February 2024 (third-party: SiliconANGLE).
Network	Visa (third-party: cardpilled, 4 Sept 2026; SpendNode, 27 Sept 2026). Not stated on Oobit's own pages. third-party
Rails	Oobit's own card terms, published as its Rain card terms, name Third National as the card issuer and Oobit Technologies UAB as the provider for non-US users (official, effective 1 Aug 2025). In Brazil the partner is Pomelo, supervised by the Central Bank of Brazil; in the US, Bakkt (official). Third National is the trading name of Nimbus LLC, which Rain's privacy policy lists among the affiliates of Signify Holdings, Inc., the company operating as Rain (official, Rain privacy policy, 16 July 2026). Nimbus LLC is licensed as a money transmitter by the Commissioner of Financial Institutions of Puerto Rico, NMLS 2612780 (official, Third National site, checked 30 Sept 2026).
Website	www.oobit.com
Health tag	Watch Card issued by a US money transmitter under terms that allow suspension at any time without notice, with Oobit's Lithuanian company as the provider and no deposit protection. Tether led its last funding round (third-party).
Last checked	29 September 2026

When it goes wrong

The issuer may suspend, revoke or cancel the account at any time, with or without cause and with or without notice. Disputes must be raised within 60 days of the charge appearing on the statement; no response time is stated. Binding arbitration, Puerto Rico law (official, card terms).

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	Foreign exchange fee up to 1.5% (official, card terms). A third party measured about 3.1% on a non-USD purchase (third-party: SpendNode). official
Funding	A transaction fee of $0.25 or 1% of every purchase, whichever is higher (official, card terms). Returned payment fee $29 (official). No annual or issuance fee for the virtual card (third-party: cardpilled; SpendNode). official
ATM	2.5%, up to $250 per withdrawal and three a day, at contactless ATMs (third-party: SpendNode).
Tiers	Levels unlocked by spend; Level 2 at $250 within 90 days (third-party: SpendNode).

Cashback, as of 29 Sept 2026

Up to 10% on purchases funded with the OOB token, capped at $10,000 of monthly spend, and 5% on USDT spend, capped at $200 of monthly spend, both from Level 2, which takes $250 of spend within 90 days; base rewards are points held in the app (third-party: cardpilled; SpendNode). Oobit's site advertises up to 10% off (official).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

83 countries including EU states, the UK, the UAE and Saudi Arabia (third-party: SpendNode, 27 Sept 2026). Oobit's own site names the UAE among its markets (official). The card terms apply to non-US residents only (official). third-party

Identity checks: Government photo ID, proof of address in some countries (third-party: SpendNode).

What we still need confirmed

Facts marked official come from Oobit's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• How the wallet-connected route settles for EEA and UK users. Rescore custody to 2 if Oobit's own pages confirm purchases are paid from the connected wallet with no balance held by Oobit. open
• Card network on Oobit's own pages (Visa reported by third parties). open
• Official country list: EU, UK, UAE and Saudi Arabia (reported by a third party). open
• FX in practice: a third party measured about 3.1% against the published "up to 1.5%". Rescore FX to 0 if an official fee page shows more than 1.5%. open
• A response time for disputes in the terms or help centre. Rescore freeze to 2 if published. open
• Any yield product for card balances. open
• Oobit Technologies UAB on the Bank of Lithuania register and its MiCA status. open

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