THORWallet Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | $5 one-off for the Basic virtual card, free with a valid invite code; Premium with a physical card $124 one-off, or $99 with an invite code |
|---|---|
| Annual fee | Free: no renewal or subscription on Basic or Premium |
| FX fee | 1.5% markup on top of Mastercard network rates on Basic and Premium; 1% on the separate Swiss IBAN card, which is not open to new clients |
| ATM limit | $2,500 per withdrawal and $10,000 a day on both tiers; $20,000 a month on Basic, $60,000 on Premium; fee $1 domestic or $5 international |
| Spending limit | Basic: $20,000 per purchase, $50,000 a day, $100,000 a month, starting at $10,000 a month until an extra reviewThe fine printPremium: $100,000 per purchase, $500,000 a day, $1,000,000 a month |
Fees change; the current ones are in THORWallet’s terms.
Features
- Welcome bonus: $5, free
- Cashback: Up to 0.5%
The fine print
- Premium: 0.5% in USDC on eligible card spend, counted on up to $5,000 of spend a month in the first year and up to $2,000 a month after that ($TITN stakers keep the $5,000 cap)
- Basic: none
- Excluded: cash and quasi-cash, money transfers, gambling, crypto purchases, gift cards and stored value
- Custody: Hybrid: the THORWallet wallet is self-custody, and money you top up to the card is held by the card provider
- KYC: Yes
- Card type: Virtual on Basic; Premium adds a physical card
- Top up with: USDC from your THORWallet balance with a 0% top-up fee; other tokens are swapped to USDC in the app first
- Available countries: Albania, Andorra, Austria, Belgium, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany…
Full list
… Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Moldova, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Vatican City, Afghanistan, Armenia, Azerbaijan, Bahrain, Bangladesh, Brunei, Cambodia, Hong Kong, Indonesia, Israel, Japan, Jordan, Kazakhstan, Kyrgyzstan, Macau, Malaysia, Maldives, Mongolia, Oman, Pakistan, Philippines, Qatar, Saudi Arabia, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkey, Turkmenistan, United Arab Emirates, Uzbekistan, Algeria, Benin, Botswana, Burkina Faso, Burundi, Central African Republic, Chad, Comoros, Congo - Brazzaville, Djibouti, Egypt, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Lesotho, Liberia, Libya, Madagascar, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Rwanda, São Tomé & Príncipe, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, Tanzania, Togo, Tunisia, Uganda, Zambia, Zimbabwe, Anguilla, Antigua & Barbuda, Aruba, Bahamas, Barbados, Belize, Bermuda, Canada, Cayman Islands, Costa Rica, Cuba, Curaçao, Dominica, Dominican Republic, El Salvador, Grenada, Guyana, Honduras, Jamaica, Montserrat, Nicaragua, Panama, Puerto Rico, Saint Kitts & Nevis, Saint Lucia, Saint Vincent & Grenadines, Trinidad & Tobago, Turks & Caicos, United States, Argentina, Brazil, Chile, Colombia, Ecuador, Paraguay, Peru, Suriname, Uruguay, Australia, Fiji, Kiribati, Marshall Islands, Micronesia, Nauru, New Zealand, Niue, Palau, Solomon Islands, Tonga, Tuvalu, Vanuatu
Who issues the THORWallet Card
Our issuer directory has no verified entry for the THORWallet Card yet: a bank goes in only with a source we can cite. 39 of the 141 cards you can still get are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported cryptocurrencies
You can load the THORWallet Card with crypto; the asset we track for it is listed below.
Pros and cons
Pros
- Basic virtual Mastercard costs $5 once, or nothing with an invite code, and has no subscription
The fine print
- Offered in 170+ countries including the United States
- 0% USDC top-up fee
- Your wallet stays self-custody until you top up the card
- ATM withdrawals cost $1 at home or $5 abroad
- Earn up to 0.5% cashback on eligible purchases
- Welcome bonus: $5, free
Cons
- 1.5% FX markup on top of Mastercard rates on both tiers
The fine print
- Basic earns no cashback and starts at $10,000 a month until an extra review
- Premium cashback counts only $2,000 of monthly spend after the first year unless you stake $TITN
- Paid Premium is not sold to UK residents
- THORWallet does not name the bank that issues the card
- The Swiss IBAN account is closed to new clients
Regional availability
Available worldwide
Worldwide except China, India, Russia, Belarus, Iran, North Korea, Syria, Nigeria, Kenya, Vietnam, Bulgaria, Monaco and 19 other countries; United States included.
Banking and fiat rails
Card overview
THORWallet's new card is a Mastercard ordered from inside its app and run on the Unblock card programme, which Atomo Sarl operates. THORWallet names Atomo Sarl as the operator but not the bank that issues the card. Basic is a virtual card ready in about five minutes, for $5 once or free with an invite code. Premium costs $124 once ($99 with a code) and adds a physical card plus 0.5% back in USDC, counted on up to $5,000 of monthly spend in the first year and $2,000 after that unless you stake $TITN.
Neither tier has a renewal fee or subscription. Both charge a 1.5% markup on top of Mastercard rates, three times the Premium cashback, so the card suits home-currency spending better than travel. Custody is hybrid: the wallet stays self-custody, and only the money you top up to the card is held by the card provider. Top-ups are USDC from the wallet with no fee; other tokens are swapped to USDC in the app first.
ATM withdrawals cost $1 at home or $5 abroad, up to $2,500 each and $10,000 a day. Basic starts at $10,000 a month of spend until an extra review; Premium runs to $1,000,000 a month. The card is offered across most of the world, the United States included, but not in China, India, Russia or some 28 other countries, and paid Premium is not sold to UK residents. Apple Pay and Google Pay are unconfirmed, since THORWallet's own card pages do not mention them.
The earlier THORWallet card ran on Fiat24, which is not taking new clients, so the Swiss IBAN account that came with it is closed to newcomers and this card has no IBAN.
Common questions about the THORWallet Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
