imToken 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 | Minimal to free |
| FX fee | 0% (no foreign exchange fee per Fiat24) |
| ATM limit | Available with physical card |
| Spending limit | Based on account balance |
Features
- Welcome bonus: $30 bonus
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: USDC across 40+ blockchains including Arbitrum, Ethereum, Polygon; low Arbitrum fees for top-ups
- 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 (via Fiat24; excludes United States Iran North Korea Russia)
Who issues the imToken Card
imToken Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be SR Saphirstein AG (Fiat24 / UR), Switzerland; CHE-256.014.995, Zürich (FINMA Art. 1b fintech licence, granted 16 Feb 2021), inferred from the program manager and not stated by the issuer itself.
All cards issued by SR Saphirstein AG (Fiat24 / UR) · Why the issuer matters
Pros and cons before it closed
Pros
- Swiss IBAN with multi-currency support; works with ANY crypto wallet; 40+ blockchain support; WeChat/Alipay integration
- No card issuance fee
- Welcome bonus: $30 bonus
Cons
- Switzerland/Europe focused; requires NFT minting for account; KYC required; limited crypto variety (primarily USDC)
Regional availability
Was available in 31 countries
The imToken Card was available in 31 countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia and 15 more.
Banking and fiat rails
Card overview
Closed to new applications: Fiat24, the Swiss fintech-licensed institution behind this card, stopped accepting new clients citing maintenance works, and imToken's KYC runs entirely through Fiat24. We date the closure to 29 July 2026, the day Fiat24 confirmed the suspension in its own signed statement; the banner was already up by 23 July, and the 14 July date in that statement belongs to the Crypto Top-Up pause, a separate measure. Existing cardholders keep working, but you can't sign up until Fiat24 reopens onboarding. What follows describes the product as it stood.
You open an account by minting an NFT, the mechanism imToken uses to bind your wallet to a Swiss Fiat24 IBAN, and it works once you accept the friction. The card itself is self-custody on Mastercard rails. imToken's own materials disagree on funding: the marketing promises top-up across 40+ chains, while the fee schedule and the supported-asset list name USDC, USDT, ETH, or WBTC on Arbitrum. WeChat Pay and Alipay are wired in alongside Apple Pay, Google Pay, and Samsung Pay. That was unusual for a Mastercard product, and it gave the card a real edge in Asia.
The card was never available in the US or sanctioned countries. The $30 ETH activation bonus ended on 31 March 2025. While it took sign-ups, it suited EEA and Swiss residents with a non-custodial wallet who needed a regulated Swiss IBAN.
