THORWallet Card Review 2026
Last updated: by the
Last updated: by the
THORWallet Card powered by Fiat24 brings Swiss banking infrastructure to the THORChain ecosystem with a virtual Mastercard supporting exceptional $2 million monthly spending limits on Platinum tier. Maintain true self-custody of USDC, USDT, and ETH on Arbitrum network in your THORWallet until manually converting to fiat (CHF, EUR, USD, CNY) for spending at any Mastercard merchant globally. With Swiss IBAN multi-currency accounts, bank transfer limits reaching $10 million monthly, and planned TITN token staking cashback launching Q3 2025, THORWallet Card bridges DeFi-native THORChain users with regulated Swiss banking. Perfect for high-volume traders and THORChain believers across 100+ countries seeking self-custody combined with institutional-grade spending capacity, though note manual conversion and Arbitrum-only support may limit convenience compared to instant-conversion competitors.
This is a Mastercard crypto card. It uses a self-custody model. It offers cashback rewards. Available in the UK.
| Issuance Fee | Free |
|---|---|
| Annual Fee | Standard Free; Gold $49/month; Platinum $199/month |
| FX Fee | 0.25-1% crypto conversion + standard Mastercard FX rates |
| ATM Limit | Expected based on tier |
| Spending Limit | Standard: $100k/month, $50k/day; Gold: $500k/month, $200k/day; Platinum: $2M/month, $200k/day |
The THORWallet Card allows you to top up and spend using 3 supported digital assets. Your crypto is automatically converted to local fiat at the point of sale.
The THORWallet 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.
With TITN staking-based cashback (launched late 2025 with TITN token listing Nov 2025). Tiers: Standard 1% conversion, Gold 0.5%, Platinum 0.25%. cashback on eligible purchases, the THORWallet Card rewards active spenders who use the card as their daily driver.
The card is currently available in 100+ countries; Standard tier available in most countries — ideal for residents and frequent travellers in those areas.
Compare the THORWallet Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Getting started with the THORWallet Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official THORWallet 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. THORWallet processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using USDC, USDT, ETH (Arbitrum network) 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 THORWallet Card is available immediately in the THORWallet app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available in 100+ countries; Standard tier available in most countries
The THORWallet Card is currently available in 100+ countries; Standard tier available in most countries. Regional restrictions may apply — visit the official issuer website to confirm availability in your country before applying.
