BingCard's fee mechanics alone would earn a mediocre score: issuance charged on every tier, zero rewards, cross-border costs on routine spend, and ATM and top-up pricing the issuer does not publish. The score lands well below that because this is a custodial preload card whose two decisive questions both come back negative. Can you get loaded funds out? User reports across Trustpilot, KYCnot.me, and Gridinsoft say often not, or not for weeks. Who are you trusting to release them? An operator that names no bank, no license, and no card network. If you use BingCard at all, use the virtual tier for one small payment, load only that amount, and spend it the same day. Nobody should hold a balance here, rely on it for daily spend, or take it traveling. US holders are excluded outright.