What is EverTry?
EverTry is a fintech app that lets you pay, send, and receive money globally from your phone. You can create Visa and Mastercard virtual cards, send money to 160 countries, convert currencies, hold stablecoins and Bitcoin, and bill clients with payment links and invoices.
EverTry is not a bank. It is registered as a Money Services Business (MSB) with the US Financial Crimes Enforcement Network (FinCEN), registration number 31000335734427. Banking services are provided by licensed banks and financial institutions.
EverTry is built for people and businesses whose local cards and banks don’t work well for international payments. That includes freelancers, developers, students, creators, and companies paying overseas suppliers or staff.
What is EverTry used for?
Most people come to EverTry after a “card declined” message on an international site. The app solves that, then covers the rest of their cross-border money in one place.
| Use | Personal | Business |
|---|---|---|
| Pay online in USD | Subscriptions, courses, software, ads, app stores | Team cards for tools, cloud, and ad spend |
| Send money abroad | Family, friends, payments to 160 countries | Suppliers, contractors, and staff payouts |
| Get paid | Payment links and invoices for freelance work | Payment links and invoices for customers |
| Convert and hold | Local currency, USDT, USDC, BTC | Stablecoin treasury and conversion |
| Stay connected | eSIM data when travelling | eSIM data for staff on the road |
Typical payments include AI tools like ChatGPT and Claude, cloud services like AWS and Google Cloud, ads on Meta, Google, and TikTok, streaming, app developer accounts, and exam or application fees.
EverTry’s products
Virtual cards (Visa and Mastercard)
Create a USD virtual card in the app and use it anywhere Visa or Mastercard is accepted online, in 180+ countries. Fund it from your local currency, stablecoins, or Bitcoin. Cards work with Apple Pay and Google Pay, and you can keep several cards for different subscriptions.
Global money transfer
Send money to 160 countries from your EverTry wallet. You see the amount the recipient gets and the fee before you confirm. Businesses use the same rails to pay suppliers, contractors, and staff.
Currency conversion
Convert between local currencies, USD, stablecoins, and Bitcoin inside the app. Supported local currencies include NGN, KES, GHS, EGP, ZAR, TZS, XOF, XAF, BWP, MWK, UGX, and ZMW in Africa, plus PHP, PKR, IDR, and others in Asia.
Stablecoins and Bitcoin
Hold, send, receive, buy, and sell USDT, USDC, and BTC. Stablecoins are supported on 11 networks, so you can usually receive on the chain your sender already uses (see the networks table below).
Payment links
Create a link, share it, and get paid. Payment links work for both personal and business accounts, so a freelancer and a company can use the same tool.
Invoicing
Create and send invoices to clients or customers from the app. Invoicing is available on both personal and business accounts.
eSIM
Buy a travel data eSIM for 180+ countries inside the app, so you can get online abroad without roaming charges.
How EverTry’s cards are different
EverTry cards are built on a credit-class facility, not a prepaid structure. That matters because many merchants check a card’s BIN class and reject prepaid cards outright. Google Cloud billing is a well-known example, and EverTry customers use their cards there.
You still control spending: you fund the card from your wallet, and it only spends what you load.
EverTry offers two card types:
| Standard card | One-time card | |
|---|---|---|
| Identity verification (KYC) | Required | Not required |
| Spending limit | Higher limits after verification | Up to $250 total |
| Reloadable | Yes | No |
| Best for | Recurring subscriptions, ads, cloud bills | A single purchase or a quick test |
| Creation fee | $4 one-time | Shown in-app |
If you plan to pay for anything monthly, use the standard card. A one-time card can’t be topped up, so a renewal will fail once its balance runs out.
Supported crypto networks
EverTry supports USDT and USDC on 11 networks, plus Bitcoin on its own network. Always send on a network listed for that coin, or the funds may not arrive.
| Network | USDT | USDC | Native token |
|---|---|---|---|
| Arbitrum | Yes | Yes | ETH |
| Avalanche | Yes | Yes | AVAX |
| Base | No | Yes | ETH |
| Bitcoin | No | No | BTC |
| BNB Smart Chain (BSC) | Yes | Yes | BNB |
| Ethereum | Yes | Yes | ETH |
| Optimism | Yes | Yes | ETH |
| Plasma | Yes | No | XPL |
| Polygon | Yes | Yes | POL |
| Solana | Yes | Yes | SOL |
| Stellar | No | Yes | XLM |
| Tron | Yes | No | TRX |
For example, USDT on Tron and USDC on Base are both supported, but USDC on Tron is not.
EverTry fees
Creating a standard virtual card costs $3 once, and there is no monthly card maintenance fee. Every other fee is shown in the app before you confirm, so you see the full cost before money moves.
Fees depend on what you do, so it helps to know which steps a payment involves:
| Fee type | When it applies |
|---|---|
| Card creation | Once, when you create a card ($3 for a standard card) |
| Funding | When you add money to your wallet or card |
| Conversion | When you switch between currencies, stablecoins, or BTC |
| Transfer | When you send money abroad |
| Network fee | When you send stablecoins or BTC on-chain |
| Card network charges | Some merchants or card networks add their own charges, for example on cross-border or declined transactions |
A single subscription payment usually involves funding and possibly conversion. A transfer abroad involves the transfer fee and possibly conversion.
To keep costs down, fund in the currency you already hold, keep enough balance for renewals so payments don’t decline, and check the fee screen before confirming.
Is EverTry safe and legit?
EverTry is a registered company, not an anonymous app. Here is what you can check yourself.
Regulation. EverTry is registered with FinCEN as a Money Services Business, registration number 31000335734427. You can look this number up on FinCEN’s public MSB registrant search. EverTry is not a bank and doesn’t claim to be one.
Identity checks. Standard accounts require identity verification (KYC). This protects your account and keeps the service compliant. The one-time card is the only product that skips KYC, and it is capped at $250 for that reason.
Card security. Your card details stay separate from your bank account. You can freeze or delete a card in the app, and a card only spends the balance you load onto it.
If something goes wrong. Contact support from inside the app or at hello@evertry.co. Give your transaction reference, the merchant name, and the date. Most issues, such as a declined payment, a pending charge, or a missing deposit, can be traced from those details.
Beware of impersonators. EverTry will never ask for your password, PIN, or one-time codes. EverTry does not work with “fund recovery” services. Anyone who promises to recover money from EverTry for a fee is running a scam. Only trust the official app, evertry.co, and EverTry’s verified social accounts.
Who EverTry is for
EverTry fits you if your local card or bank gets in the way of paying, sending, or getting paid internationally:
- Freelancers and remote workers who pay for tools in USD and bill clients abroad.
- Developers and founders running cloud, AI, and SaaS bills every month.
- Students paying application, exam, and course fees.
- Creators and marketers running ads and paying for editing and design tools.
- Crypto holders who want to spend or send stablecoins without cashing out first.
- Businesses paying suppliers, contractors, and staff across borders, or holding a stablecoin treasury.
EverTry may not fit if you need a full bank account with USD, EUR, or GBP account details to receive salary or wire transfers. Those accounts aren’t available yet. It also isn’t a savings or investment product.
How to get started with EverTry
Setup takes about 10 minutes.
- Download the app from the App Store or Google Play, or sign up at app.evertry.co.
- Create your account with your email and phone number.
- Verify your identity with a government ID. Skip this step only if you just need a one-time card.
- Fund your wallet with local currency, USDT, USDC, or BTC. For crypto, pick a supported network from the table above.
- Choose what to do next. Create a virtual card, send money abroad, make a payment link or invoice, or buy an eSIM.
Frequently asked questions
Is EverTry a bank?
No. EverTry is a fintech company registered with FinCEN as a Money Services Business (number 31000335734427). Banking services are provided by licensed banks and financial institutions.
Is EverTry legit?
Yes. EverTry is a registered company with a public FinCEN MSB registration, apps on the App Store and Google Play, and in-app support. Check any review site’s claims against the official app and evertry.co, and never pay a third party to “recover” funds.
What does EverTry cost?
A standard virtual card costs $4 to create, with no monthly fee. Funding, conversion, and transfer fees are shown in the app before you confirm.
Do I need KYC to use EverTry?
Yes, for the standard card and most features. The one-time card doesn’t need KYC, but it is capped at $250 and can’t be reloaded.
Is the EverTry card prepaid?
No. EverTry cards are built on a credit-class facility, which helps them pass merchant checks that reject prepaid cards. You still only spend the balance you load.
Can I use EverTry for subscriptions?
Yes. Use a standard card and keep enough balance for each renewal. A one-time card isn’t suited to subscriptions because it can’t be topped up.
How many countries can I send money to?
160 countries. You see the fee and the amount the recipient gets before you confirm.
Which crypto does EverTry support?
USDT, USDC, and BTC. You can buy, sell, send, receive, and use them to fund cards. Stablecoins are supported on 11 networks, including Tron, Ethereum, Solana, BSC, Base, and Polygon.
Does EverTry offer USD, EUR, or GBP bank accounts?
Not yet.
Can businesses use EverTry?
Yes. Businesses use EverTry for team spend cards, supplier, contractor, and staff payouts, stablecoin treasury, payment links, and invoicing.
Does the EverTry card work with Apple Pay and Google Pay?
Yes, you can add your EverTry card to Apple Pay and Google Pay.
Why was my EverTry card declined?
The most common reasons are a low balance, a billing address that doesn’t match your EverTry details, or a merchant that blocks certain regions. Check your balance and billing details, then contact support with the transaction reference if it still fails.
Matt Aluya is the founder of EverTry. A software engineer focused on virtual card issuance and stablecoin settlement for cross-border payments in emerging markets. LinkedIn · matt.aluya@evertry.co