THORWallet 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
On hold: Fiat24, the Swiss fintech-licensed institution behind this card, stopped accepting new client applications on July 20, 2026 ("maintenance works"), and THORWallet onboarding dead-ends at that same Fiat24 KYC step — even though the THORWallet site still advertises five-minute signup. Existing cardholders are unaffected. The product, as it stood: a free virtual Mastercard with a complimentary Swiss IBAN via Fiat24 and limits that read like private banking: up to 200,000 dollars a day, 2 million a month on Platinum, bank transfers to 10 million. The narrow part is funding: card top-ups take USDC, USDT or ETH on Arbitrum only, with manual conversion before spending. Cashback exists only on the Premium tier (up to 2%, boosted for TITN stakers); Basic and the Swiss Banking tier pay nothing. FX markup runs 0.5% to 1.5% by tier. The announced 25-dollar TITN welcome bonus was still listed as upcoming, not active, at review time. THORChain users with real volume are who this was built for. A casual spender gets limits they'll never touch and none of the rewards.
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 Europe. Available in the UK.
Fees & Limits
| Issuance Fee | $5 one-off (Basic, free with an invite code); $99-124 one-off (Premium) |
|---|---|
| Annual Fee | Free (no monthly or annual fee on Basic, Premium, or Swiss Banking tiers) |
| FX Fee | FX markup: 1.5% (Basic), 0.5% (Premium), 1% (Swiss Banking). Crypto top-up: 0% (Basic/Premium), 0.25-1% (Swiss Banking). |
| ATM Limit | Expected based on tier |
| Spending Limit | Standard: $100k/month, $50k/day; Gold: $500k/month, $200k/day; Platinum: $2M/month, $200k/day |
These figures can change. Confirm the current fees, FX and network in THORWallet’s official terms before you apply.
Features
- Welcome Bonus: $10 bonus
- Card Type: Virtual only
- Top up with: USDC, USDT, ETH (Arbitrum network)
- Available Countries: Afghanistan, Albania, Åland Islands, Andorra, Anguilla, Antigua & Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burundi, Cambodia, Canada, Cayman Islands, Central African Republic, Chad, Chile, China, Colombia, Costa Rica, Croatia, Cyprus, Czechia, Denmark, Dominica, Dominican Republic, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Greece, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Italy, Japan, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Mexico, Netherlands, New Zealand, North Macedonia, Norway, Peru, Poland, Portugal, Réunion, Romania, San Marino, Singapore, Slovakia, Slovenia, South Korea, Spain, Svalbard & Jan Mayen, Sweden, Switzerland, Taiwan, Thailand, Turkey, United Kingdom, Uruguay
Banking & Fiat Rails
Yes — complimentary Swiss IBAN with SEPA; SWIFT via Swiss bank partner
Who issues the THORWallet Card
The THORWallet 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.
All cards issued by SR Saphirstein AG (Fiat24 / UR) · Why the issuer matters
Supported Cryptocurrencies
You can load the THORWallet Card with crypto; the 3 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: USDC (Arbitrum) direct top-up; wallet supports BTC, ETH, THORChain, Solana and more via swaps
Who Is the THORWallet Card Best For?
The THORWallet Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
The THORWallet Card pays up to 2% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in 100+ countries; Standard tier available in most countries, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn up to 2% cashback
- DeFi users who want to hold their own keys
- European users within EEA countries
Avoid if
- You're a US resident (this card doesn't support US users)
Compare the THORWallet Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Swiss IBAN multi-currency account; exceptional limits (up to $2M monthly); self-custody until conversion; bank transfer limits up to $10M/month
- Earn up to 2% cashback on eligible purchases
- Works wherever Mastercard is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Virtual card ready right away, no shipping wait
- Welcome bonus: $10 bonus
Cons
- Manual conversion required before spending; Arbitrum only for crypto top-ups; 0.25-1% conversion fee; issuance closed while THORWallet published nothing about it
- Card issuance fee: $5 one-off (Basic, free with an invite code); $99-124 one-off (Premium)
- Annual fee: Free (no monthly or annual fee on Basic, Premium, or Swiss Banking tiers)
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the THORWallet Card
Here is what the sign-up process looks like, from application to first purchase.
Create a THORWallet account
A few minutesGo to the THORWallet website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerTHORWallet 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, USDT, ETH (Arbitrum network) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual THORWallet Card shows up in the THORWallet 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 100+ countries; Standard tier available in most countries
The THORWallet Card is currently available in 100+ countries; Standard tier available in most countries. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the THORWallet Card
What are the fees for the THORWallet Card?
How does the THORWallet Card cashback work?
Where is the THORWallet Card available?
What cryptocurrencies does the THORWallet Card support?
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