42 Best Crypto Cards in Guyana 2026

What to Know Before Using Crypto Cards in Guyana

Regulation

VASP Prohibition Until End of 2025

Guyana has officially prohibited the activities of Virtual Asset Service Providers until December 31, 2025, meaning no local exchanges can legally operate.

Banking

Bank Wires to Exchanges Blocked

Local banks generally maintain internal policies to block wire transfers and account activity linked to crypto exchanges, though some Visa card purchases may still go through.

Tax

Short-Term Spending Taxed as Income

If you spend crypto held for less than 12 months, the gains are taxed as personal income at rates up to 35% rather than capital gains.

Tax

G$500,000 Capital Gains Exemption

For crypto held longer than one year, you only owe the 20% Capital Gains Tax if your total annual gains exceed 500,000 Guyanese Dollars.

Heads Up

Merchant Code Monitoring

Banks actively use merchant category codes to identify and flag crypto-related transactions even when using international cards or platforms.

Tax

No Automatic Tax Withholding

There is no automatic tax deduction when you spend crypto; users are responsible for self-assessing and reporting gains on their annual tax filings.

Common Questions About Crypto Cards in Guyana

1 Can I use my Guyanese bank account to top up a crypto card?

It is difficult because most Guyanese banks have policies to block transfers to crypto platforms. While some users find that debit card purchases work occasionally, standard bank wires are frequently rejected or flagged by compliance teams.

2 How much tax will I pay when I buy something with crypto?

If you have held the crypto for less than a year, any profit you made is added to your regular income and taxed at 25% or 35%. If you held it longer than a year, you pay a flat 20% tax, but only if your total gains for the year are more than G$500,000.

3 Is it legal to own and spend crypto in Guyana right now?

Ownership is not illegal, but the government has banned crypto businesses from setting up shop in the country until at least the end of 2025. This means you have to rely on international apps and cards, which your local bank may try to restrict.

4 Will my bank account be frozen if I buy crypto?

While a single small purchase might go unnoticed, banks in Guyana are on high alert for crypto activity. Frequent transfers to exchanges can lead to your account being flagged for review or your transfer privileges being restricted.

5 Do stablecoins like USDT have different tax rules?

No, the Guyanese authorities currently treat all digital assets the same way. Even if you are spending a stablecoin, the tax office views the transaction as a sale of an asset that could trigger income or capital gains tax.

Country-specific information last researched on February 15, 2026 . Regulations and policies can change — always verify with your card provider and local tax authority.

Top-Rated Cards in Guyana

Top-Rated Card Details

Ether.Fi Cash Card

4.6⭐

Ether.fi Cash is a non-custodial Visa credit card for DeFi users seeking spending power without selling crypto.

Ready Card

4.6⭐

The Ready Metal Card is a premium self-custodial Mastercard debit card for spending crypto while retaining asset control. Crypto stays in your wallet until each payment, ensuring complete financial autonomy.

Kolo Card

4.1⭐

Kolo Card is a crypto debit card that lets users spend cryptocurrencies, including memecoins, at merchants worldwide that accept Visa or Mastercard. Designed for crypto enthusiasts, it features automatic real-time crypto-to-fiat conversion for everyday purchases.

PAYY Card

4⭐

PAYY Card is a crypto-enabled Visa credit card that lets users spend stablecoins (USDC) directly at merchants while maintaining privacy through zero-knowledge proofs on the Payy Network blockchain. The self-custodial model gives users full control of their funds via the PAYY Wallet app.

Exa Card

4⭐

Exa Card is a virtual Visa credit card enabling users to spend crypto without selling assets. It offers self-custody, onchain borrowing, and flexible payment modes.