TokenPocket 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 | 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 |
Features
- Welcome bonus: First 500 KYC'd users topping up 10+ …
- Network: Visa + Mastercard Debit
- KYC: Yes (via Fiat24; Swiss FINMA licensed)
- 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
Full list
Mastercard programme: Australia, Canada, Hong Kong, Japan, Singapore, South Korea, Taiwan, United Kingdom, New Zealand
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 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 FINMA-licensed via Fiat24; NFT-based account ownership; WeChat Pay and Alipay integration; decentralized card management on Arbitrum
- No annual maintenance fee
- Welcome bonus: First 500 KYC'd users topping up 10+ …
- Banking rails: IBAN / SEPA / SWIFT support
Cons
- 1% top-up fee; Arbitrum and USDC only; requires NFT minting; every card is virtual, no physical option exists
Regional availability
Was available across the EEA
Per-network country lists published by TokenPocket; account issued by Fiat24, a FINMA-supervised Swiss fintech-licence holder.
Banking and fiat rails
Card overview
Closed to new applications: TokenPocket's own docs route applicants to "Proceed on Fiat24", and Fiat24, the Swiss fintech-licensed institution behind the card, has stopped accepting new clients, citing maintenance works. The flag date is 29 July 2026, when Fiat24 put the suspension in writing; archive captures show the banner by 23 July, and the 14 July date in Fiat24's statement is the Crypto Top-Up pause, not onboarding. Existing cardholders keep working; new signups wait for Fiat24 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 was no cashback, and the Premium physical card never shipped before sign-ups closed.
For wallet-native users already inside TokenPocket it was worth a try while it took sign-ups. The 1% load fee and the single-chain rail kept it from being more.
