Fiat24 Card Review 2026
Reviewed by Mihail B. in · how we verify
Algorithmic score, not user reviews: how it is calculated
Closed to new applicants since . Cards you can still get
Fees and 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 |
Features
- KYC: Yes
- 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…
Full list
… 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)
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 in the source linked below. Fiat24 self-issues on its own FINMA licence; Fiat24-branded onboarding is frozen ("maintenance works"), which closes the four partner wallet cards on that rail to new applicants. Fiat24 confirmed the suspension in writing on 29 July 2026, the date we flag; the banner was already up by 23 July. UR, the other consumer brand on the same licence, stopped opening new accounts on 22 July 2026.
All cards issued by SR Saphirstein AG (Fiat24 / UR) · Why the issuer matters
Pros and cons before it closed
Pros
- Swiss IBAN with crypto integration; spend from ANY crypto wallet; 40+ blockchain support; NFT-based account opening
- No card issuance fee
Cons
- Swiss fiat transfers only to/from your own accounts; limited to crypto on-ramp/off-ramp primarily; Europe-focused
Regional availability
Was available in most of the EEA
The Fiat24 Card served the European Economic Area, but not every member state: the issuer lists exclusions (see the country list above).
Was available in these regions:
Banking and fiat rails
Card overview
Fiat24 closed to new clients in the summer of 2026. Its sites say "we are currently not accepting any new applications", a banner first archived by 23 July, and Fiat24 confirmed the suspension of new client onboarding in its own signed statement of 29 July 2026. Existing holders can still spend a balance, while Crypto Top-Up has been paused since 14 July. Because imToken, SafePal and TokenPocket ran their cards through Fiat24's onboarding, all three closed to new applicants too.
THORWallet closed with them and has since relaunched its card on the Unblock programme. While it took sign-ups, Fiat24 was a Swiss account with on-chain ownership more than a crypto debit card, run by SR Saphirstein AG under an Art. 1b Banking Act fintech licence (not a bank) and paired with a Swiss IBAN. Funding it from crypto cost roughly €17.50 on a €1,000 monthly EUR balance before any spending: a 0.75% conversion spread plus a 1% load fee on the crypto-to-EUR leg. There was no cashback.
