Comparison
BitPay Card vs. Fiat24 Card: fees, limits & KYC
-
Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on BitPay CardBitPay
-
Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Fiat24 CardFiat24
In short
- Fiat24 Card has the lowest foreign currency fee (1–2 % · 0 % same-currency balance; 1 % settled from another supported currency; 2 % unsupported currency from another balance).
- Fiat24 Card has the best score (6.6).
| Attribute |
|
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical | Requires KYC Private Virtual |
| Score | average | good |
| CostsWeight 25 % | 4.8 | 7.0 |
| TrustWeight 20 % | 6.9 | 7.2 |
| KYC and privacyWeight 15 % | 6.5 | 6.5 |
| FeaturesWeight 15 % | 8.1 | 5.4 |
| AvailabilityWeight 10 % | 2.4 | 7.7 |
| RewardsWeight 10 % | not scored | not scored |
| CommunityWeight 5 % | 3.1 | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs)same for all |
prepaid
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
2. Your Card. The Card is a prepaid card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
debit
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Fiat24 Card is a MasterCard Debit card that you can top up through the Fiat24 dApp.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual, physical
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
You may request, be issued, and/or use a physical plastic card (a "Physical Card") or a virtual representation of the card (a "Virtual Card").Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Fiat24 Debit Card is a virtual card only without PIN.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card networksame for all |
Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
The Fiat24 Card is a MasterCard Debit card that you can top up through the Fiat24 dApp.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custodysame for all |
self-custody
bitpay.com checked 31 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Before taking any other actions, the most important thing you can do is back up your wallet. The BitPay Wallet is a self-custody wallet, meaning that you, and only you, have access to your funds. BitP...Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 31 Oct 2026 What does [s] mean? |
self-custody
docs.fiat24.com checked 29 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
You are responsible for your own Fiat24 Account Token and Fiat24 Cash Tokens, which are not safe kept in our Fiat24 Web-App or Website. Please refer the security guide of your own Ethereum wallet wher...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
fiat balance
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
The Card allows you to access funds loaded to your Card Account by you or on your behalf.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
docs.fiat24.com checked 29 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
Fiat24 offers its Live account-holders the possibility of topping up their account using cryptocurrencies converted into fiat currency.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
If you effect a transaction with your Prepaid Mastercard in a currency other than US Dollars, Mastercard will convert the charge into a US Dollar amount.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
CHF, CNY, EUR, USD
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Fiat24 Card is a MasterCard Debit card that you can top up through the Fiat24 dApp. The card is issued to you in multiple currencies (EUR, USD, CHF and RMB) and your card balances will be shown in...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Usagesame for all |
personal
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
You must be 18 years old to qualify as a Cardholder.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
Fiat24 is your all-in-one solution for seamless daily payments and spending.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs)same for all |
Metropolitan Commercial Bank
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
SR Saphirstein AG
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
SR Saphirstein AG, based in Switzerland, owns the Fiat24 brand and serves as the principal issuer of MasterCard. The first 8 digits of the Fiat24 card, known as the BIN, are 5481 0849.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend onsame for all | unknown |
account tier
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The transaction limit varies depending on the length of the NFT.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per accountsame for all |
1
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
number of Cards per Card Account is limited to 1.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Availability | ||
| Available insame for all | unknown |
Available in 60 countries and regions
info.fiat24.com checked 30 Oct 2026
Source and check
Source
info.fiat24.com
Wording at the source
Countries with a monthly transaction limit of $30,000 Australia (AUS) Austria (AUT) Belgium (BEL) Canada (CAN) Cyprus (CYP) Czech Republic (CZE) Denmark (DNK) Estonia (EST) Faroe Islands (FRO...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs)same for all |
BTC, ETH, USDC, DOGE, LTC, DAI, BCH, MATIC, SHIB, WBTC, APE, USDP
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
In addition to Polygon (MATIC), BitPay supports the following cryptocurrencies: - Bitcoin (BTC) - Bitcoin Cash (BCH) - Ethereum (ETH) - Litecoin (LTC) - Dogecoin (DOGE) - Shiba Inu (SHIB) - ApeCoin (...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? + 3 moreBTCETHUSDCDOGELTCDAIBCHMATICSHIBWBTCAPEUSDPGUSDBUSDEUROC |
USDC
docs.fiat24.com checked 29 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
Since USDC is the only cryptocurrency accepted by Fiat24 — a strict legal requirement that cannot be violated — it is therefore critical to ensure that the new blockchain has sufficient USDC circulati...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | |
| Top-up networks (differs)same for all |
Polygon
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Load Polygon (MATIC) onto the BitPay Card and spend like cashChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Arbitrum
fiat24.com checked 30 Oct 2026
Source and check
Source
fiat24.com
Wording at the source
Please make sure your wallet has been connected to Ethereum Arbitrum network.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all |
Yes
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Mastercard rePower®, $0.00 us/personal/get-support/reload-a-prepaid- including Retail load card.html)Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
docs.fiat24.com checked 29 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
Your Fiat24 Account allows you to top-up your cash account with a bank wire transfer.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile wallets (differs)same for all |
Users can add the BitPay crypto debit card to Apple Pay and make purchases wherever Apple Pay is accepted globally.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
We support Apple Pay, Google Pay, Samsung Pay and most other digital wallet.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs)same for all |
Yes
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
With a PIN, you may use your Card to (i) obtain cash or check your balance at any Automated Teller Machine ("ATM") that bears the Mastercard®Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
No
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
No. ATM cash withdrawals aren't supported because virtual cards don't have the physical chip or magnetic stripe required for ATM access.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Apple Pay is not only available for in-app purchases, but contactless purchases in store and online using your iPhone, Apple Watch, iPad, and Mac.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
2.5 When using the Card, the Cardholder is required to use Strong Authentication, except for the limits prescribed for Operations performed with a Near Field Communication device.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Virtual Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Physical card issuance (differs)same for all |
0.00 USD
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Physical Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Fiat24 Debit Card is a virtual card only without PIN.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shipping (differs)same for all |
not published
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
SCHEDULE OF ALL FEES AND CHARGES FOR BitPay Prepaid Mastercard® State: ALL FEES AMOUNT DETAILS Get started Physical Card purchase fee $0.00 We do not charge a fee for this service Virtual Card purcha...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
not applicable
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Fiat24 Debit Card is a virtual card only without PIN.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Monthly feesame for all |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Monthly fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Annual feesame for all |
not published
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Monthly usage Monthly fee $0.00 We do not charge a fee for this service Weekly fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Top-up feesame for all |
free
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
BitPay loads and reloads $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all |
not published
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
SCHEDULE OF ALL FEES AND CHARGES FOR BitPay Prepaid Mastercard® State: ALL FEES AMOUNT DETAILS Get startedChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
not published
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
Card payments funded by USDe are converted using the prevailing USDe/USDC market rate sourced from major centralized exchanges. To help protect users from abnormal market pricing, the conversion rate...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs)same for all |
3 %
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS signature purchase We charge 3% when currency conversion is $0.00 (int'l) performedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1–2 % · 0 % same-currency balance; 1 % settled from another supported currency; 2 % unsupported currency from another balance
support.ur.app checked 30 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 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown |
not published
support.ur.app checked 30 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 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM feesame for all | unknown | |
| Transaction fee (differs)same for all |
free
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS PIN debit purchase $0.00 We do not charge a fee for this service POS signature purchase $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
free (When the card is used in a Digital Wallet; the Digital Wallet provider may charge its own fees.)
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
5.2 Fiat24 will not charge the Client any additional fees for adding the Card to the Digital Wallet or using the Card in the Digital Wallet. The Digital Wallet provider may charge additional fees for...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Card activation fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Account closure feesame for all |
0.00 USD
bitpay.com checked 31 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Close card $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 31 Oct 2026 Value wrong? 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
6.2 Fiat24 has the right to unilaterally amend the Payment Card Terms and Conditions. The Client has the right to terminate the Payment Card Terms and Conditions with immediate effect and free of char...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
bitpay.com checked 31 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
SCHEDULE OF ALL FEES AND CHARGES FOR BitPay Prepaid Mastercard® State: ALL FEES AMOUNT DETAILS Get started Physical Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
not published
docs.fiat24.com checked 31 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
8 digits NFT FREE Swiss IBAN $30,000/Mth limit Standard Debit Card 1.0% Crypto topup feeChecked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Minimum top-upsame for all |
not published
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Note: Some reload locations may have additional limits on the minimum amount you may load to your Card.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Declined payment feesame for all |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS PIN purchase $0.00 We do not charge a fee for this service (declined) POS SIG purchase $0.00 We do not charge a fee for this service (declined)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Refund feesame for all | unknown | |
| Inactivity feesame for all |
5.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Assessed each month after 90 days of no Dormancy $5.00 transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Minimum monthly spendsame for all | unknown | |
| Inactivity rule (differs)same for all |
Dormancy fee assessed each month after 90 days of no transaction.
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Assessed each month after 90 days of no Dormancy $5.00 transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
A card that has not been used in the 6 months before its expiration will not be renewed.
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
All MasterCard card is valid for 5 years. Your card will automatically be renewed under the same terms. However, if your card has not been used in the 6 months before its' expiration, your card will n...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card replacementsame for all | unknown | |
| Unknown for all | Free cards · Crypto deposit fee · FX free allowance · ATM fee · Cross-border fee · Withdrawal fee · Refund fee · Minimum monthly spend · Card replacement | |
| Rewards | ||
| Cashbacksame for all |
only in the app
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Each merchant is different, and the percentage you earn will be shown next to the offer and in the offer details.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Referral bonus (invited friend)same for all |
only in the app
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Please login to view your account referrals.Checked Verified Add this value? No earlier versions What does [s] mean? |
|
| Referral bonus (you)same for all |
only in the app
bitpay.com checked 30 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Please login to view your account referrals.Checked Verified Add this value? No earlier versions What does [s] mean? |
|
| Welcome bonussame for all | unknown | |
| Unknown for all | Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at BitPay Card · Fiat24 Card: promotions and bonuses as well as warnings and incidents.