Which currencies can I spend and use with the LDJ Digital app?

Your traditional money currency (USD, GBP or EUR) you can spend by bank transfer or through your Debit Card in your selected NATIVE currency, which you can select inside the settings of your LDJ Digital app, be it GBP, EUR or USD.

To spend any of your crypto-currencies with your associated Debit Card you need to convert first a portion of your crypto (Bitcoin, Bitcoin Cash, Litecoin, Ethereum or Ripple) into USD, GBP or EUR inside your LDJ Digital app and then you can spend the converted traditional money currency (USD, GBP or EUR) with your Debit Card.


Where can I pay using the LDJ Digital app and Card?

You can pay with the Debit Card, associated with your LDJ Digital App account, in over 45 million stores and online merchants, with the number growing every day. You can also simply pay by making a payments bank transfer directly from inside your LDJ Digital app account.


I have not yet received my Debit Card?

Please make sure that you completed your KYC and that your account balance is at least 10 GBP or equivalent in EURO or USD. Standard delivery can take from a few days up to 10 working days in some cases depending on the postal service. However express delivery can take on average between 2 and up to 3 working days within Europe.

If you have not received your Card within the previous average times and knowing your local postal delivery, if you are convinced that your Card could have been lost, than please report the Card as lost or stolen inside the app and than order a replacement Card.


I received my Debit Card but it is not working?

First check the following points:

Make sure that you have not accidentally blocked the use of your Card inside the app. You can check this in the Cards settings section inside the app.

Check that there are no security settings that are still blocking your transactions such as for example, that you entered the correct PIN number and security code CVC or the expiry date. DO not make any payment transaction hastily as you only have 3 chances if you fill in the incorrect data.

If, however your Card is physically or visibly damaged or is simply worn out by its use, then you can simply order a replacement card form inside your app.

A fee might apply and the estimated delivery date might be provided as soon as you confirm the order, depending on the selected delivery method being regular or express delivery.

in some particular occasions, we may be asking you to verify or state your source of funds depending on the amounts transferred into your Card or account, which is something we or our financial licensed services provider or his correspondence bank or Card provider are required to do to meet legal regulations in the countries where we operate or provide the re-sale of such financial services.

If none of the previous is working for you than you might need to order a replacement Card form inside the app.


Which currencies in my account will be deducted when sending by Card?

The default main currency will be dictated by the country of your address; however, you can change in the app settings menu the default main currency as one of the following currently available traditional money currencies: EUR, GBP or USD. Those currencies will be extended in the future to support even more traditional money currencies of more countries around the globe.


Can I get refunded into my Card?

The short answer is yes: You can receive a refund into your LDJ Digital account as long as the original payment was made with your physical Card that you received from LDJ Digital. After the merchant issues a refund, it will automatically appear in your account and visible inside the app, within 4 to 8 working days for card payments made in person in a retailer, but may take longer for certain online e-commerce transactions.


Why does my identity verification (KYC)  not complete?

The identity verification process (KYC) of your passport or identity card (no drivers licenses allowed for EEA residents, except for UK residents it is allowed) can take anywhere between a few minutes and a day or more before you hear back from us with a confirmation accepted or failed. If your (KYC) identity verification has failed, please try again but this time with image(s) that are very clear and the document photo and text are clearly visible and readable without any blur or glare AND that the four corners of the document are within the image. Sometimes it’s the low quality of the image of your passport or identity card that are not clear enough causing the fail.

You must be 18 years or older and reside within the European Economic Area (EEA/EU) to open an account with us.

If you are aged between 16 to18 years old you may open an account by providing your passport or identity document and proof of address. If you do not have this proof of identity or address you will need a parent/legal guardian to show their proof of identity or address and provide it preferably in-app or alternatively by email ( to authorize an account opening.


What can I do if I have any further question not listed in this FAQ?

Contact us on the LDJ digital Telegram chat where we will answer your queries or by writing an email to us:

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