Fiat24 Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
Fiat24 Card is a Swiss-backed Mastercard debit card that works with ANY crypto wallet, the first card enabling true wallet-agnostic spending. Open your account by minting a Fiat24 NFT, receive a Swiss IBAN through SR Saphirstein AG, and spend USDC from 40+ blockchains including Arbitrum at millions of Visa merchants. Perfect for multi-chain users who want European banking infrastructure combined with the freedom to use MetaMask, ThorWallet, SafePal, or any wallet of their choice for crypto-to-fiat conversion.
This is a Mastercard crypto card. It uses a self-custody model. Available in Europe.
Fees & Limits
| Issuance Fee | Virtual Free; Physical varies |
|---|---|
| Annual Fee | Free to minimal |
| FX Fee | 1-1.5% FX on non-EUR Mastercard transactions; ~1.75% crypto-to-EUR conversion (0.75% spread + 1% load fee) |
| ATM Limit | Available with physical card |
| Spending Limit | Based on account balance |
These figures can change. Confirm the current fees, FX and network in Fiat24’s official terms before you apply.
Features
- Card Type: Virtual + Physical.
- Top up with: USDC across 40+ blockchains (multi-chain support), EUR, CHF, USD
- Available Countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, Switzerland (excludes United States Iran North Korea Russia by nationality)
Banking & Fiat Rails
Yes IBAN (Swiss), Yes SWIFT, Yes SEPA
Who issues the Fiat24 Card
The Fiat24 Card is issued by SR Saphirstein AG (Fiat24 / UR), Switzerland — CHE-256.014.995, Zürich (FINMA Art. 1b fintech licence, granted 16 Feb 2021). The issuer is named verbatim in the card documentation. Fiat24 self-issues on its own FINMA licence; Fiat24-branded onboarding frozen since 2026-07-20 ("maintenance works"), closing the four partner wallet cards on that rail to new applicants.
All cards issued by SR Saphirstein AG (Fiat24 / UR) · Why the issuer matters
Supported Cryptocurrencies
You can load the Fiat24 Card with crypto; the asset we track for it is listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Arbitrum (NFT account, USDC/ETH via dApp)
Who Is the Fiat24 Card Best For?
The Fiat24 Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Europe, NOT available in US or sanctioned countries, so it works for residents and travellers in those areas.
Best for
- DeFi users who want to hold their own keys
- European users within EEA countries
Avoid if
- You want a card that earns cashback
- You're a US resident (this card doesn't support US users)
Compare the Fiat24 Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Swiss IBAN with crypto integration; spend from ANY crypto wallet; 40+ blockchain support; NFT-based account opening
- Works wherever Mastercard is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
Cons
- Swiss fiat transfers only to/from your own accounts; limited to crypto on-ramp/off-ramp primarily; Europe-focused
- Does not offer cashback or rewards
- Card issuance fee: Virtual Free; Physical varies
- Annual fee: Free to minimal
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Fiat24 Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Fiat24 account
A few minutesGo to the Fiat24 website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerFiat24 runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with USDC across 40+ blockchains (multi-chain support), EUR, CHF, USD through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Fiat24 Card shows up in the Fiat24 app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in Most of the EEA
The Fiat24 Card serves the European Economic Area, but not every member state — the issuer lists exclusions (see the country list above). If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Common questions about the Fiat24 Card
What are the fees for the Fiat24 Card?
Where is the Fiat24 Card available?
What cryptocurrencies does the Fiat24 Card support?
What are the Fiat24 Card's ATM and spending limits?
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