Comparison
Bitnob Card vs. UR Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Bitnob CardBitnob
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ur.app30 Oct 2026
Image source
Source
ur.app
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
UR CardFiat24
In short
- UR Card has the lowest foreign currency fee (2 % · 0% with sufficient same-currency balance; 1% settled from another enabled currency or from EUR for an unsupported currency; 2% unsupported currency settled from a non-EUR currency).
- Fewest documents: UR Card (ID document).
- UR Card has the best score (6.9).
| Attribute |
Bitnob CardBitnob
|
UR CardFiat24
|
|---|---|---|
| Overview | Requires KYC Private & business Virtual | Requires KYC Private Virtual |
| Score | average | good |
| CostsWeight 25 % | 6.5 | 8.0 |
| TrustWeight 20 % | 10.0 | 7.7 |
| KYC and privacyWeight 15 % | 1.5 | 6.5 |
| FeaturesWeight 15 % | 7.6 | 7.2 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | not scored |
| CommunityWeight 5 % | 2.6 | not scored |
| KYC | KYC: Full verification | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs)same for all |
prepaid
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards operate on a prepaid model, so users spend only what they load.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
debit
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
The UR Mastercard Debit Card is a virtual multicurrency debit card that allows you to make secure purchases online and in-store using your available balances.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card typessame for all |
virtual
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
We currently issue virtual USD cards compatible with Visa and Mastercard networks. Each card comes with its own card number, expiry date, and CVV. Physical card issuance is on our roadmap pending part...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card network (differs)same for all |
 
Visa
help.bitnob.com checked 31 Oct 2026
Two sources, two values
ShownVisa
help.bitnob.comchecked 31 Oct 2026
The Cards section is a full virtual Visa card issuance platform.DifferingMastercard bitnob.comfetched 31 Oct 2026 We currently issue virtual USD cards compatible with Visa and Mastercard networks.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 31 Oct 2026 Value wrong? History What does [s] mean? |
 
Mastercard
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
The UR Mastercard Debit Card is a virtual multicurrency debit card that allows you to make secure purchases online and in-store using your available balances.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Custodysame for all |
custodial
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
We will act as your custodian for any Cryptocurrency assets in your Account from time to time. You will be the beneficial owner and have beneficial title to any Cryptocurrency asset held by us as cust...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
UR Multicurrency Fiat Account provides a convenient way to manage your fiat balances in one account. Every verified user receives a dedicated Swiss IBAN for receiving bank transfers, while support for...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
fiat balance
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards are funded from your USDT crypto wallets. The conversion to USD happens seamlessly at the best available rate through our trading infrastructure. Cards operate on a prepaid model, so users spend...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Multicurrency Support | Make purchases using supported fiat currencies from a single debit card, without the need to switch between cards or accounts. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
USD
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownUSD
bitnob.comchecked 29 Oct 2026
We currently issue virtual USD cards compatible with Visa and Mastercard networks.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
CHF, CNY, EUR, HKD, JPY, SGD, USD
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Currency | Deposit | Payout | FX | P2P Transfer | Card Spending | |---|---|---|---|---|---| | Swiss Franc (CHF) | ✓ | ✓ | ✓ | ✓ | ✓ | | Euro (EUR) | ✓ | ✓ | ✓ | ✓ | ✓ | | US Dollar (USD) | ✗ | ✓ | ✓...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usage (differs)same for all |
personal, business
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
### Fintech apps offering USD spending in emerging markets ### Freelancers spending crypto earnings in USD ### Corporate expense cards funded from treasuryChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
By completing KYC, you'll unlock full access to UR's services, including multi-currency banking and your UR Mastercard Debit Card.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all | unknown |
Fiat24
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
Card means a payment instrument that uses the Mastercard network, issued by Fiat24Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Limits depend on (differs)same for all |
user setting
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
You can set per-transaction limits, daily spending caps, merchant category restrictions, and geographic restrictions.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
plan
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Limits | Refresh | Basic | Pro | |---|---|---|---| | Card Spending | Daily | EUR 2,000 | EUR 10,000 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cards per accountsame for all |
not published
bitnob.com checked 30 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
The number of cards you can create depends on your account type. Business accounts can create multiple cards for different team members or purposes. Contact support for specific limits based on your p...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Availability | ||
| Available insame for all | unknown | |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assets (differs)same for all |
BTC, USDT, USDC
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownBTC, USDT, USDC
bitnob.comchecked 29 Oct 2026
Virtual cards are issued in USD and can be funded from any of your available wallets (BTC, USDT, USDC, or NGN). The system automatically converts your funds to USD at competitive rates.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
USDe
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Pay with Digital Assets | Use your available USDe balance to pay for eligible purchases directly with your UR Mastercard Debit Card. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | |
| Top-up networkssame for all | unknown | |
| Fiat top-upsame for all |
Yes
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownYes
bitnob.comchecked 29 Oct 2026
You can fund virtual cards instantly from your BTC, USDT, USDC, or NGN wallets. Simply select the card you want to fund, choose your funding source, enter the amount, and confirm the transaction.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
Yes
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Swiss IBAN | Receive a dedicated Swiss IBAN for sending and receiving supported bank transfers. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets · Top-up networks | |
| Payments | ||
| Mobile walletssame for all |
 
Apple Pay
 
Google Pay
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Yes. Cards can be provisioned to Apple Pay and Google Pay for contactless tap-to-pay at any supported terminal.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
Add your card to supported digital wallets, including Apple Pay, Google Pay, and Alipay, for convenient contactless payments.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all | unknown | |
| Contactlesssame for all |
Yes
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Yes. Cards can be provisioned to Apple Pay and Google Pay for contactless tap-to-pay at any supported terminal.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
Add your card to supported digital wallets, including Apple Pay, Google Pay, and Alipay, for convenient contactless payments.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | ATM withdrawals | |
| Fees | ||
| Virtual card issuancesame for all |
1.00 USD
help.bitnob.com checked 30 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
| Card creation fee | 1.00 USD per card |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Physical card issuancesame for all |
not applicable
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Physical card issuance is on our roadmap pending partner enablement.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shippingsame for all |
not applicable
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Physical card issuance is on our roadmap pending partner enablement.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Monthly feesame for all | unknown | |
| Annual feesame for all |
0.00 USD
bitnob.com checked 30 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Unlike traditional bank cards, Bitnob Virtual Cards come with low or no fees, making them a cost-effective choice for businesses. You won't have to worry about annual fees, foreign transaction charges...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
|
| Top-up feesame for all | unknown | |
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all |
not published
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards are funded from your USDT crypto wallets. The conversion to USD happens seamlessly at the best available rate through our trading infrastructure. Cards operate on a prepaid model, so users spend...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Foreign currency fee (differs)same for all |
up to 3 % · Foreign purchases
bitnob.com checked 30 Oct 2026
Two sources, two values
Shownup to 3 % · Foreign purchases
bitnob.comchecked 30 Oct 2026
Transaction fee — foreign purchases: cross border fee of up to 3%.Differing0 % bitnob.comfetched 29 Oct 2026 Unlike traditional bank cards, Bitnob Virtual Cards come with low or no fees, making them a cost-effective choice for businesses. You won't have to worry about annual fees, foreign transaction charges...The shown value comes from the source checked more recently. Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
2 % · 0% with sufficient same-currency balance; 1% settled from another enabled currency or from EUR for an unsupported currency; 2% unsupported currency settled from a non-EUR currency
support.ur.app checked 31 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| FX Fees | Explanations | |---|---| | No Fee | Your purchase is made in a supported currency, and you have a sufficient available balance in that same currency. The payment is deducted directly from...Checked Verified Check overdue · last 31 Oct 2026 Value wrong? History What does [s] mean? |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all | unknown |
not applicable
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Transaction feesame for all | unknown | |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Account closure fee (differs)same for all |
not published
bitnob.com checked 31 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
### Fees Transaction fee — foreign purchases: cross border fee of up to 3%.Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
0.00 CHF
docs.fiat24.com checked 31 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Client has the right to terminate the Payment Card Terms and Conditions with immediate effect and free of charge provided that all the obligations arising from the Agreement and the Payment Card T...Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 31 Oct 2026 What does [s] mean? |
| Dispute feesame for all |
not published
bitnob.com checked 31 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
### Fees Transaction fee — foreign purchases: cross border fee of up to 3%.Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
not published
support.ur.app checked 31 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
## Multicurrency Fiat Account Fees | Functions | Basic Members | Pro Members | |---|---| | EUR Bank Transfers (Pay In & Pay Out) | Not Available | Free | | CHF Bank Transfers (Pay In & Pay Out) | Not...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Minimum top-upsame for all |
3.00 USD
help.bitnob.com checked 30 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
| Minimum top-up | 3.00 USD |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Declined payment feesame for all | unknown | |
| Refund feesame for all | unknown | |
| Inactivity feesame for all | unknown | |
| Minimum monthly spendsame for all | unknown | |
| Inactivity rule (differs)same for all |
Account may be classified as dormant after an extended period of inactivity; reactivation may require re-verification.
bitnob.com checked 30 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
If your Account remains inactive for an extended period, we may classify it as dormant in accordance with our policies and applicable law. Reactivation may require re-verification, and we may take any...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Fiat24 may terminate card services after the card has not been used for operations for 6 consecutive months.
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
6.3.5 the Card has not been used for Operations for 6 consecutive months.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card replacementsame for all | unknown | |
| Unknown for all | Free cards · Monthly fee · Top-up fee · Crypto deposit fee · FX free allowance · Minimum FX fee · Transaction fee · Cross-border fee · Withdrawal fee · Activation fee · Declined payment fee · Refund fee · Inactivity fee · Minimum monthly spend · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown | |
| Referral bonus (invited friend)same for all | unknown | |
| Referral bonus (you)same for all | unknown | |
| Welcome bonussame for all | unknown | |
| Unknown for all | Cashback · Referral bonus (invited friend) · Referral bonus (you) · Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
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One mail when something changes at Bitnob Card · UR Card: promotions and bonuses as well as warnings and incidents.