TokenPocket 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
Closed to new applications since July 20, 2026: TokenPocket's own docs route applicants to "Proceed on Fiat24", and Fiat24 — the Swiss fintech-licensed institution behind the card — stopped accepting new clients that day, citing maintenance works. Existing cardholders keep working; new signups wait for the bank to reopen. The product itself: the account is an NFT — TokenPocket's card manages Swiss Fiat24 bank accounts through smart contracts on Arbitrum, which is architecturally novel and practically narrow. Funding is USDC on Arbitrum for now, with a 1% top-up fee, KYC runs through the FINMA-licensed Fiat24, and the Swiss IBAN speaks SEPA. Payment coverage is unusually wide on the wallet side: Apple Pay, Google Pay, Samsung Pay, PayPal, Alipay and WeChat Pay. There is no cashback, and the Premium physical card hasn't shipped yet. For wallet-native users already inside TokenPocket it's worth a try. The 1% load fee and the single-chain rail keep it from being more.
A crypto neobank card with Swiss IBAN and multi-currency banking. TokenPocket Card (TP Card) pioneered blockchain-based banking in September 2024 with Swiss FINMA-licensed accounts managed through NFT smart contracts on Arbitrum. Mint a bank account NFT through TokenPocket wallet to receive decentralized control over your Swiss-backed Visa and Mastercard debit cards supporting USD, EUR, CHF, and CNH. With on-chain balance tracking via EUR24/USD24/CHF24 tokens mirroring your card funds, TP Card offers transparent blockchain verification of every transaction while maintaining Swiss banking compliance. Supporting Apple Pay, Google Pay, PayPal, Samsung Pay, WeChat Pay, and Alipay for spending at 100 million merchants worldwide, TP Card bridges Web3 self-custody with Web2 payment infrastructure, perfect for TokenPocket's global user base seeking compliant banking without sacrificing decentralized principles.
This is a Visa crypto card. This is a Mastercard crypto card. It uses a self-custody model. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | NFT minting fee (subsidized by TokenPocket) |
|---|---|
| Annual Fee | Free |
| FX Fee | 1% crypto top-up fee + standard network FX |
| ATM Limit | Physical card for Premium users only |
| Spending Limit | Based on account balance |
These figures can change. Confirm the current fees, FX and network in TokenPocket’s official terms before you apply.
Features
- Welcome Bonus: First 500 KYC'd users topping up 10+ …
- Card Type: Virtual only
- Top up with: USDC on Arbitrum; future support for USDT, BTC, ETH, BNB, TRX, PEPE and more networks
- Available Countries: Visa programme: European states including Austria, Belgium, France and Germany. Mastercard programme: Australia, Canada, Hong Kong, Japan, Singapore, South Korea, Taiwan, United Kingdom, New Zealand
Banking & Fiat Rails
Yes — Swiss IBAN via Fiat24 (FINMA-regulated); SEPA supported; SWIFT referenced in reviews
Who issues the TokenPocket Card
TokenPocket 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, not stated by the issuer itself.
All cards issued by SR Saphirstein AG (Fiat24 / UR) · Why the issuer matters
Supported Cryptocurrencies
You can load the TokenPocket Card with crypto; the 6 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Arbitrum network (ETH, USDC, USDT and Arbitrum tokens)
Who Is the TokenPocket Card Best For?
The TokenPocket Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Per-network country lists published by TokenPocket; account issued by Fiat24, a FINMA-supervised Swiss fintech-licence holder, so it works for residents and travellers in those areas.
Best for
- DeFi users who want to hold their own keys
- European users within EEA countries
Avoid if
- You want a card that earns cashback
- You're a US resident (this card doesn't support US users)
Compare the TokenPocket Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Swiss FINMA-licensed via Fiat24; NFT-based account ownership; WeChat Pay and Alipay integration; decentralized card management on Arbitrum
- No annual maintenance fee
- Works wherever Visa is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
Cons
- 1% top-up fee; Arbitrum and USDC only; requires NFT minting; every card is virtual, no physical option exists
- Does not offer cashback or rewards
- Card issuance fee: NFT minting fee (subsidized by TokenPocket)
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the TokenPocket Card
Here is what the sign-up process looks like, from application to first purchase.
Create a TokenPocket account
A few minutesGo to the TokenPocket website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerTokenPocket 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 on Arbitrum; future support for USDT, BTC, ETH, BNB, TRX, PEPE and more networks through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual TokenPocket Card shows up in the TokenPocket app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The TokenPocket Card covers the EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Common questions about the TokenPocket Card
What are the fees for the TokenPocket Card?
Where is the TokenPocket Card available?
What cryptocurrencies does the TokenPocket Card support?
What are the TokenPocket Card's ATM and spending limits?
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