Zoomex 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 |
|---|---|
| Annual fee | Free |
| FX fee | 1-2% FX fee; 1% to convert crypto to fiat, 0% fiat to crypto |
| ATM limit | No ATM withdrawals |
| Spending limit | EUR 10,000/day and EUR 20,000/month on UR Pro, which Zoomex cardholders get free; CHF 30,000 monthly total account limit |
Features
- Welcome bonus: $10 bonus
- Cashback: 1%
The fine print
- Zoomex's card page advertises 1% cashback credited monthly to the Zoomex funding account, while its FAQ says the cashback campaign is still being prepared
- The launch promotion paid 1% on compliant purchases until 30 April 2026, plus a $10 reward for a single purchase of $5 or more within 30 days of activating the card
- KYC: Yes
- Card type: Virtual only
- Top up with: USDC converted from Zoomex exchange account into fiat card balances (USD, CHF, EUR, SGD, HKD, JPY) at 1% conversion fee
- Available countries: Most of Europe including the United Kingdom and Switzerland, Canada, Brazil, Australia, New Zealand, Japan, Singapore…
Full list
- … Hong Kong, Malaysia, South Korea, Taiwan, United Arab Emirates, Réunion
- Not available in the United States, China, Malta, Russia, Ukraine, India, Indonesia, the Philippines, Thailand, Vietnam, Türkiye, Saudi Arabia, Mexico, Argentina, Chile, Colombia, South Africa, Nigeria and most other countries in Africa and Latin America
Who issues the Zoomex Card
The Zoomex 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. Zoomex FAQ: "jointly launched by Zoomex and Swiss licensed financial institution UR"; the PR adds that assets are "custodied by UR, a registered trademark under the Swiss financial institution SR Saphirstein AG". Program provider named, BIN sponsor not.
Primary source · All cards issued by SR Saphirstein AG (Fiat24 / UR) · Why the issuer matters
Pros and cons before it closed
Pros
- Zero issuance and annual fees
The fine print
- Free transfer back to Zoomex
- Six fiat currencies (USD, EUR, CHF, JPY, SGD, HKD)
- Apple, Google and Samsung Pay
- Free UR Pro upgrade with no SWIFT or SEPA fees and a EUR 10,000 daily card limit
- Available across most of Europe, Canada, Brazil and parts of Asia-Pacific
- Earn 1% cashback on eligible purchases
- Welcome bonus: $10 bonus
Cons
- Virtual only, no ATM
The fine print
- Zoomex funds the card with USDC only (1% conversion)
- 1-2% FX fee
- KYC needs an NFC-enabled identity document and a face liveness check
- UR deposits are not covered by any depositor protection scheme
- Not available in the US, China, Malta, most of Africa and Latin America, or to US nationals
Regional availability
Was available in Europe + Asia
EEA except Malta, United Kingdom, Switzerland, Canada, Brazil, Australia, New Zealand, Japan, Singapore, Hong Kong, Malaysia, South Korea, Taiwan, United Arab Emirates; US nationals excluded wherever they live.
Banking and fiat rails
Card overview
The Zoomex Card closed to new applicants in July 2026, because it needs a UR account and UR stopped opening new retail accounts and paused crypto-to-fiat conversion, which is how the card was loaded. UR calls the pause temporary, and existing UR accounts keep their balances under a CHF 30,000 monthly limit. What follows describes the card as it was sold. It was a virtual-only Mastercard, a co-launch between Zoomex and UR.
Its headline 1% cashback and $10 welcome reward were launch promotions, and no confirmed ongoing rate replaced them. There was no physical card and no ATM or cash withdrawal; everything ran through Apple Pay, Google Pay and Samsung Pay. You funded it with USDC from your Zoomex account, converted at 1% into a multi-currency fiat account spanning USD, EUR, CHF, JPY, SGD and HKD. Custody was not yours: assets sat with UR, a brand of the Swiss institution SR Saphirstein AG, and UR's own docs say there is no deposit protection.
There was no issuance or annual fee, same-currency spend cost nothing, and new cardholders got a free upgrade to UR Pro with EUR 10,000 a day and EUR 20,000 a month of card spending. It was sold across most of Europe, Canada, Brazil and parts of Asia-Pacific, never in the US.
