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FIAT24 CARD

Status: Active

Issued by FIAT24

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FIAT24 CARD
No back image available
STANDARD
Max Cashback No cashback rewards
Fee FREE
Card Use N/A

Card Overview

Custody Type
NON CUSTODIAL
Card Type
VIRTUAL CARD
Material
Virtual
KYC
Standard
Learn about the FIAT24 Crypto Card, including cashback, fees, limits, key features, supported countries, card tiers, KYC requirements, and Pros & Cons.

Pros

FINMA-regulated Swiss entity
Mastercard Principal Member. Fiat24 issues cards directly, no intermediary issuer
Non-custodial wallet model
Swiss IBAN in own name (SEPA/SWIFT/SIC) with unique NFT-linked account
No monthly fees, no card issuance fee, no cashback/points gimmicks
Three-tier system with significant spend limits up to EUR 1M/month
Tokenized deposits (CHF24/EUR24/USD24) for on-chain transparency
Multi-currency support (8 currencies)
Apple Pay, Google Pay, Samsung Pay supported
Award-winning (Accenture Best Neobank 2022)
Audited by Grant Thornton Switzerland
API available for wallet integration (SafePal, Bitget, imToken, etc.)
No username/password, wallet-based authentication

Cons

Crypto top-ups paused since Jul 14 2026. no timeline for resumption
New account onboarding suspended
No interest on deposits
No cashback
FX costs are a black box. Fiat24 publishes no FX fee, no markup, and no conversion rate methodology
Premium tiers require F24 token purchase
All transactions publicly visible on Arbitrum. zero financial privacy by design
Account recovery requires contacting support
No iOS app, web app only (browser-based dApp)

Source Data

Complete tier tables exactly as published in the source catalog — no values rounded, converted, or omitted. Selecting a tier re-maps this page to that tier.

STANDARDPREMIUMULTIMATE
STANDARD
W BONUS NONE
REG FEE / REQ FREE
CASHBACK 0%
NEED KYC YES
FX FEE NOT DISCLOSED
APR / YIELD NO
CARD TYPE VIRTUAL CARD
CARD NETWORK mastercardMastercard
BLOCKCHAIN arbitrumARBITRUM
REGION GLOBAL
WALLET TYPE NON CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT $0
DAILY LIMIT €10,000
Compare all tiers
DetailSTANDARDPREMIUMULTIMATE
W BONUSNONENONENONE
REG FEE / REQFREE1,500 F2415,000 F24
CASHBACK0%0%0%
NEED KYCYESYESYES
FX FEENOT DISCLOSEDNOT DISCLOSEDNOT DISCLOSED
APR / YIELDNONONO
CARD TYPEVIRTUAL CARDVIRTUAL CARDVIRTUAL CARD
CARD NETWORKmastercard, Mastercardmastercard, Mastercardmastercard, Mastercard
BLOCKCHAINarbitrum, ARBITRUMarbitrum, ARBITRUMarbitrum, ARBITRUM
REGIONGLOBALGLOBALGLOBAL
WALLET TYPENON CUSTODIALNON CUSTODIALNON CUSTODIAL
MOBILE PAYYESYESYES
BANK TRANSFERYESYESYES
ATM LIMIT$0NOT DISCLOSEDNOT DISCLOSED
DAILY LIMIT€10,000€100,000€500,000
Source: fiat24-card Updated 2026-09-13T18:04:16+00:00 · reviewed data

Rewards & Staking

Max Cashback
No cashback rewards
On eligible purchases
Reward Token
N/A
Payout details not disclosed
APR / Yield
NO
See provider for terms

Reward specifics

Boost Multiplier N/A
Monthly Cap N/A
Payout Frequency N/A
Welcome Bonus NONE
Referral Bonus N/A
Bonus APR N/A
Bonus Token N/A

Staking & Requirements

Required Token N/A
Min Stake Amount N/A
Fiat Value Req N/A
Lock-up Period N/A
Downgrade Penalty N/A

ROI Calculator

What this card actually nets you: cashback earned minus the fees and FX you pay. Defaults to $1,000/month, so drag to match your spend.

Inputs

FIAT24 CARD

FIAT24 CARD

Rates autofilled from this card

Monthly spend $1,000
Spent abroad (FX) 15%
Rates
Cashback 0% FX 0%

Net value / year

$0

$0 / month · +0.00% effective

Effective rate

+0.00%

Break-even spend

Any spend

Cashback

$0

FX cost

$0

Load fee

$0

Fees

$0

Full details

Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.

Supported Assets

Chains

arbitrum
arbitrum

Card Options

Virtual Card: Instant digital issuance

Virtual Card

Issuance N/A
Replacement N/A

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

REG FEE / REQ FREE
FX Fee NOT DISCLOSED
ATM Withdrawal N/A
ATM (Domestic) N/A
ATM (Intl) N/A
Fee After Limit N/A
Inactivity Fee N/A
Top Up Fee N/A
Liquidation Fee N/A
Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit €10,000
Monthly Spend Limit N/A
ATM Withdrawal Limit $0
Free ATM Limit N/A
Max Balance N/A
Min Balance N/A
Top Up Limits N/A

Technical Features

Integrations

Apple Pay
Google Pay

Security

2FA Support
Biometric Auth
Card Freeze
Transaction Notifications
Dynamic CVV
Merchant Blocking

App & Usability

Spending Analytics
PIN Change in App
Spending Limits Control
Subscription Management
Budgeting Tools
Smartwatch Support
Recuring Payment Control
Dispute Filing
Receipt Capture
Split Bill
ATM Locator

Advanced & Global

Multi-currency Wallet
Crypto Auto-convert
Round-up Savings
QR Payments
Offline Mode
Carbon Tracking
Instant Card Details

Crypto Capabilities

Yield on Collateral
On-Chain History
Governance Rights
Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account N/A
Account Type N/A
Direct Deposit N/A
Bill Pay N/A
Instant Issuance N/A
Self Custody Yes
Dual Mode (Switch) N/A

Funding & Withdrawals

On Ramp
Not Available
Off Ramp
Not Available

Operations & Support

Support Channels

Support Tier N/A
Support Type N/A
Hours N/A
Dedicated Manager No
Response SLA N/A

Geographic Availability

KYC Requirements

Standard
Email ID
Required
Phone Number
Required
Government ID
Required
Home Address
Required
Bank Statements
Not Required

Geographic Availability

Worldwide / Global Coverage

Markets where this card can be used. Hover red regions for the restriction reason.

Excluded Regions

Regions where this card is not available

North KoreaIranSyriaYemenSudanCuba

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Quick Answers

Frequently asked questions about FIAT24 CARD

Direct answers to the questions people ask most before they compare or apply for this card.

Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.

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Funding Methods

Bank Transfer

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