Lynk Visa virtual card review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
The Lynk virtual card is digital only and no credit check, and transfers between Lynk users cost JMD 0 with Instant for Lynk-to-Lynk transfers delivery. It suits people already sending inside the Lynk network who want a digital-only card on a no monthly fee model, and not those moving money between other providers.
Key facts
- Best for
- Free Lynk-to-Lynk transfers on a digital-only card with no monthly fee.
- Transfer fee
- Free for Lynk-to-Lynk (P2P) transfers↗
- Delivery time
- Instant for Lynk-to-Lynk transfers↗
- Payout methods
- Bank, Cash-pickup, Wallet↗
- Fee to send 1,000
- JMD 0↗
- Legal entity
- TFOB (2021) Limited↗
- Headquarters
- Jamaica↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Official website
- lynk.us
Everyday accounts
- Currency conversion fee
- 0%↗
- Pricing model
- No monthly fee
- Features
- Digital-only, No credit check
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- X
Pros and cons
Pros
- Transfers between Lynk users cost JMD 0 and land Instant for Lynk-to-Lynk transfers.
- Currency conversion is charged at 0%, below the 0.5% typical across the accounts on this site.
- The account runs on a no monthly fee model, so there is no recurring charge.
- Support runs on email, chat and phone, including phone and live chat.
Cons
- Free transfers are limited to Lynk-to-Lynk transfers: Free for Lynk-to-Lynk (P2P) transfers, so wider transfers are not covered by that price.
- The card is digital only and no credit check, so there is no physical version to hold and no credit check in the way.
Who it suits
- People moving money to other Lynk users, where delivery is Instant for Lynk-to-Lynk transfers and the transfer amount is JMD 0.
- Card users who want a card that is digital only and no credit check, with no credit check part of signing up.
- Anyone who prefers reaching a person, since support runs on email, chat and phone.
Who should look elsewhere
- PayPal Colombia, where the transfer fee is a percentage of the amount sent rather than a flat free move between users.
- Skrill, which charges a percentage on sends funded by card.
- Paysera, whose fees are set out per currency and per funding route.
Who runs it
Lynk is operated by TFOB (2021) Limited, registered in Jamaica. Support is handled on email, chat and phone, covering phone, live chat, email and a help centre, so card and transfer questions reach the same desk. Phone and chat sit alongside the written options, which helps when a transfer needs sorting quickly.
How Lynk Visa virtual card compares
Where Lynk Visa virtual card is available
- Available
- Jamaica
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to send money with Lynk?+
Transfers between Lynk users are Free for Lynk-to-Lynk (P2P) transfers, with an amount of JMD 0, and delivery is Instant for Lynk-to-Lynk transfers. The account sits on a no monthly fee model, so there is no recurring charge for holding it, and currency conversion is charged at 0%.
Is there a fee for converting currency?+
Currency conversion is charged at 0%. That sits below the median charge of 0.5% across the accounts on this site, and below the 0.53% typical of the money transfer services alongside it.
How fast is a transfer between Lynk users?+
A transfer between Lynk users is Instant for Lynk-to-Lynk transfers, so the money moves without an extra wait. The same Free for Lynk-to-Lynk (P2P) transfers applies at that speed, with an amount of JMD 0. Other payout routes run through bank, cash pickup and wallet and can take longer.
How can I get money out or pay a recipient?+
Payouts are offered as bank, cash pickup and wallet, so money can go to a bank account, be collected in cash or land in a wallet. A card payout is not among the listed routes, so a recipient set up around card payouts would need one of the other options.
Is the card physical and is there a credit check?+
The card is digital only and no credit check, which means it exists only in digital form and no credit check sits in the way of signing up. That suits a first card or a thin credit file, but there is no physical version to keep as a backup.
How do I get help if a transfer goes wrong?+
Support runs on email, chat and phone, so a phone line, live chat, email and a help centre are all listed. Phone and chat suit a transfer that has stalled, while email and the help centre leave a written trail for anything that needs documenting.
Who runs Lynk and where is it based?+
The service is operated by TFOB (2021) Limited, registered in Jamaica. Card and transfer questions both reach the same desk, with support on email, chat and phone, and the account runs on a no monthly fee model so holding it adds no recurring cost.
Sources
- lynk.us/about-us checked September 26, 2026
Backs: Headquarters, Legal entity
“Lynk, proudly launched by TFOB (2021) Limited, stands as Jamaica's leading digital wallet”
- lynk.us/personal/consumer/transfers checked September 26, 2026
Backs: Delivery time, Payout methods, Transfer fee, Fee to send 1,000
“Money is sent and received from user to user IN LYNK instantly.”
- lynk.us/support checked September 26, 2026
Backs: Support channels
“report it immediately to Lynk customer support at help@lynk.us ... call Customer Care at 888-622-3477 ... Real-time responses and personalised support. Lynk's webchat”
- lynk.us/support checked September 26, 2026
Backs: Pricing model
“Yes, your first virtual card is free. All other Virtual cards after will attract a small fee.”
- lynk.us/virtual-cards checked September 26, 2026
Backs: Features, Currency conversion fee
“Get approved in as little as 60 seconds on the Lynk app and activate your virtual card instantly, even without a bank account.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Exchange rate markup, Licence type.
Related by the facts
Lynk Visa virtual card
Free Lynk-to-Lynk transfers on a digital-only card with no monthly fee.