UR 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 | Free (Basic); Pro subscription price not published |
|---|---|
| Annual fee | Free (Basic); Pro subscription price not published |
| FX fee | 1% when a purchase is paid from a different balance currency, including any currency UR does not hold paid from EURThe fine print
|
| ATM limit | Not available (virtual only) |
| Spending limit | Basic EUR 2,000 a day and EUR 5,000 a month; Pro EUR 10,000 a day and EUR 20,000 a month; CHF 30,000 a month across all account activity |
Features
- KYC: Yes
- Card type: Virtual only
- Top up with: ETH, USDC, USDT, USDe across Arbitrum, Base, Ethereum, Mantle networks
- Available countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary…
Full list
- … Ireland, Italy, Latvia, Lithuania, Luxembourg, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, United Kingdom, Switzerland, Australia, New Zealand, Japan, Hong Kong, Singapore, Taiwan, South Korea, Brazil, United Arab Emirates
- Not available in the United States, Argentina, Mexico, South Africa or Malta, and US nationals are excluded wherever they live
Who issues the UR Card
The UR 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 in the source linked below. "UR is the trademark of SR Saphirstein AG ... company registration number CHE-256.014.995": the same licence as Fiat24, under a different consumer brand. UR does not name a card-scheme principal member behind the card.
Primary source · All cards issued by SR Saphirstein AG (Fiat24 / UR) · Why the issuer matters
Pros and cons before it closed
Pros
- Operated by a FINMA-supervised Swiss fintech
The fine print
- Personal Swiss IBAN
- Card can spend USDe directly once USD and USDe are enabled
- Apple Pay, Google Pay, Samsung Pay, Alipay and WeChat Pay
- No card issuance fee
- No annual maintenance fee
Cons
- New accounts are not being opened, and crypto-to-fiat conversion is paused
The fine print
- Virtual card only, no ATM cash
- No deposit insurance
- Bank transfers need the Pro tier
- CHF 30,000 monthly cap on all account activity
- Not available in the United States or to US nationals
Regional availability
Was available in 45+ countries
The UR Card was available in 45+ countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia and 24 more.
Banking and fiat rails
Card overview
UR stopped opening new retail and corporate accounts in July 2026 and paused crypto-to-fiat conversion while its compliance team reviews Swiss regulation. UR calls both changes temporary; existing accounts keep their balances, withdrawals and SEPA or SWIFT transfers under a CHF 30,000 monthly limit on all activity. What follows describes the card as it was sold.
It was a virtual Mastercard Debit with hybrid custody on an account from SR Saphirstein AG, a FINMA-supervised Swiss fintech, with a personal Swiss IBAN; SEPA and SWIFT transfers in EUR and CHF came only with the Pro tier, whose price UR did not publish, while Basic was free. Funding came from ETH, USDC, USDT, and USDe across Arbitrum, Base, Ethereum, and Mantle, and USDe earned rewards while the card could spend it. The card charged nothing when you held the purchase currency, 1% when it converted from another balance, and 2% for a currency UR does not hold paid from a non-EUR balance.
The Swiss fintech licence is real regulatory cover, but it doesn't provide deposit insurance. The US was excluded. Virtual only, so no ATM. No cashback.
