Fiat24 Card Review 2026
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Last updated: by the
Fiat24 Card revolutionizes crypto payments with a Swiss-backed Visa 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 seamless crypto-to-fiat conversion.
This is a Mastercard crypto card. It uses a self-custody model. Available in Europe.
| 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 |
The Fiat24 Card allows you to top up and spend using 1 supported digital asset. Your crypto is automatically converted to local fiat at the point of sale.
The Fiat24 Card is best suited for DeFi enthusiasts and privacy-conscious users who want to maintain control of their private keys right up to the point of purchase.
It is a solid option for anyone looking to bridge their crypto holdings with day-to-day payments at millions of merchants worldwide.
The card is currently available in Europe, NOT available in US or sanctioned countries — ideal for residents and frequent travellers in those areas.
Compare the Fiat24 Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Getting started with the Fiat24 Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Fiat24 website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Fiat24 processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using USDC across 40+ blockchains (multi-chain support), EUR, CHF, USD via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Fiat24 Card is available immediately in the Fiat24 app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available Across the EEA
The Fiat24 Card is available throughout the European Economic Area — covering all 27 EU member states plus Iceland, Liechtenstein, and Norway. UK residents should verify post-Brexit availability directly with the issuer.
Key supported countries:
