One card.
Every continent.
The Tido card — issued in partnership with China T-Union × UnionPay International. Tap on transit in 327 Chinese cities, spend at any UnionPay terminal in 180+ countries, hold AUD / CNY / USD / SGD / GBP / EUR in the same wallet.
Multi-currency wallet
Top up in AUD via PayID, spend in CNY at Beijing transit, withdraw USD at any UnionPay ATM. The card and the wallet are one.
China-side, UnionPay-global
Co-issued with China T-Union for full coverage of 327 cities transit. UnionPay International rails for spending across 180+ countries.
Three tiers, your choice
L0 anonymous gift card · L1 light KYC for everyday use · L2 full KYC for travellers. No monthly fee on L0 / L1.
Get yours when we launch.
First-batch invitees receive a fee-free L1 card and a priority slot for L2 verification.
The short version.
When can I get one?+
Q3 2026 first batch opens to AU residents on the L1 tier. Other regions roll out across Q3-Q4. We will email waitlist members 14 days ahead.
How much does it cost?+
L0 (gift) and L1 (light KYC) carry no monthly fee. L2 (full KYC, A$ 50k/month limits) is A$ 5/month. FX margin 0.18% · zero foreign transaction fee.
Where can I use it?+
In China: 327 cities transit (subway, bus, taxi) plus any UnionPay-accepting merchant (~ 99% of POS in tier-1/2 cities). Globally: 180+ countries via UnionPay International.
How do I top up?+
PayID instant credit from any AU bank, in AUD. We auto-convert to your wallet currencies on demand at mid-market + 0.18%.
Is it safe?+
Issued under our Chinese partner T-Union financial entity, processed via UnionPay International (PCI-DSS Level 1). Your wallet funds at Tido sit in a NAB trust account; ASIC AFSL #519,488.
What about the L0 anonymous card?+
Single-use, A$ 1,000 cap, perfect as a gift or short trip. No KYC, no recurring identity. Spend, throw away. Subject to AUSTRAC gift-card guidance.