Comparison
Fiat24 Card vs. Onboard 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
Fiat24 CardFiat24
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Onboard CardOnboard
In short
- Fiat24 Card has the best score (63.42).
| Attribute |
Fiat24 CardFiat24
|
Onboard CardOnboard
|
|---|---|---|
| Overview | Requires KYC Private Virtual | Requires KYC Private Virtual |
| Score | average | average |
| CostsWeight 25 % | 100 | 83 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 55 | 79 |
| AvailabilityWeight 10 % | 45 | 75 |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 86 | 49 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
Initial identity verification
|
| Basics | ||
| Card form (differs)same for all |
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? |
prepaid
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
- USD-denominated — your card balance is held in USD - Cards must be funded before spendingChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card typessame for all |
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? |
virtual
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Onboard offers USD virtual Visa cards (called Flex Cards) that let you pay for things online and in-store around the world.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs)same for all |
Mastercard
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? |
Visa
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Onboard offers USD virtual Visa cards (called Flex Cards) that let you pay for things online and in-store around the world.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custodysame for all |
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? |
unknown |
| Funding modelsame for all |
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? |
fiat balance
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
- USD-denominated — your card balance is held in USD - Cards must be funded before spendingChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
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? |
USD
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
- USD-denominated — your card balance is held in USDChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usagesame for all |
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? |
personal
onboard.xyz checked 29 Oct 2026
Source and check
Source
onboard.xyz
Wording at the source
Whether you're a freelancer getting paid in dollars, a remote worker spending in euros, or a creator earning across borders, your money shouldn't be limited by where you live. Onboard gives you real...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs)same for all |
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? |
not published
onboard.xyz checked 30 Oct 2026
Source and check
Source
onboard.xyz
Wording at the source
USD accounts, virtual cards, and associated services accessed through the Onboard platform are facilitated by licensed third-party financial institutions. Nestcoin Holding Limited coordinates user acc...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Limits depend onsame for all |
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? |
unknown |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Cards per account | |
| Availability | ||
| Available in (differs)same for all |
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? |
Not available in 41 countries and regions
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Countries where Onboard verification is not supported: - Afghanistan - Algeria - Belarus - Burundi - Central African Republic - China - Comoros - Congo (Democratic Republic) - Congo (Republic) - Cuba...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 |
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? |
BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, TON, DOGE, ADA, LTC
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
The Trading Wallet currently supports the following tokens: Stablecoins: USDT, USDC, DAI Major tokens: BTC, ETH, SOL, XRP, BNB, ADA, AVAX, DOT, LINK, LTC, BCH, XLM, NEAR, HBAR, TON, TRX, XTZ, POL, A...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? + 54 moreBTCETHUSDTUSDCSOLBNBXRPTRXTONDOGEADALTCPOLAVAXDAILINKBCHDOTARBOPXLMSHIBNEARAPTUNIAAVEWLDSAPEHBARXTZSTRKSEICELOTIASCRKAIACOREEIGENRENDERRUNECAKEENAHYPEJUPMASKCARVUXLINKVIRTUALGRASSPEPEWIFBONKPOPCATBRETTFLOKIMOGGOATCHILLGUYMEWDEGENBOMESUNDOGNOTSANDTRUMP |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networks (differs)same for all |
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? |
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
The following networks are supported for depositing stablecoins into your Cash Balance and for funding your cards: USDT: Arbitrum One, BNB Smart Chain (BSC), Ethereum, Optimism, Polygon, Solana, Tron...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all |
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? |
Yes
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
From a bank account (local currency): 1. Go to Cards → tap Fund on your card 2. Select your local currency (NGN, IDR, or KES) 3. Enter the amount you want to add 4. Send money to the bank details sho...Checked Verified Check overdue · last 30 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 |
Apple Pay
Google Pay
Samsung Pay
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
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? |
Apple Pay
Google Pay
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
- Pay in-store via Apple Pay or Google Pay (tap-to-pay)Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all | unknown |
No
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
There are two ways to withdraw funds from your card: 1. To another Onboard balance On the Card dashboard, tap → Move → select destination (Cash/USD balance, Trading Wallet, another card) 2. To an e...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactlesssame for all | unknown |
Yes
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
- Pay in-store via Apple Pay or Google Pay (tap-to-pay)Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all | unknown |
2.00 USD
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Your first card is free. Additional cards cost $2. You can have up to 3 Flex cards (including any cancelled ones).Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all |
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? |
not applicable
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Onboard offers USD virtual Visa cards (called Flex Cards) that let you pay for things online and in-store around the world.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 | unknown |
| Shippingsame for all |
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? |
not applicable
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Onboard offers USD virtual Visa cards (called Flex Cards) that let you pay for things online and in-store around the world.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Monthly feesame for all | unknown | unknown |
| Annual feesame for all | unknown | unknown |
| Top-up feesame for all | unknown |
1.25 %
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
| Flex | 1.25% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion feesame for all | unknown | unknown |
| Foreign currency feesame for all | unknown | unknown |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all | unknown |
not applicable
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
There are two ways to withdraw funds from your card: 1. To another Onboard balance On the Card dashboard, tap → Move → select destination (Cash/USD balance, Trading Wallet, another card) 2. To an e...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction feesame for all | unknown |
free
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
| | USD Payments | Non-USD Payments | Cross-Border USD (merchant outside US) | |---|---|---|---| | Flex | Free | $0.30 + 1.5% | $0.30 + 1.5% |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 | unknown |
| Withdrawal feesame for all | unknown |
free
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
| Withdrawals from card (cash & stablecoins) | Free |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Activation feesame for all | unknown | unknown |
| Minimum top-upsame for all | unknown |
1.00 USD
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Funding limits: - Minimum: $1 - Maximum: $5,000 per transactionChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Declined payment feesame for all | unknown |
0.00 USD
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Decline charges: - Classic Card: $0.32 per declined international transaction, $0.02 per declined domestic transaction - Flex Card: No decline chargesChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Refund feesame for all | unknown | unknown |
| Inactivity feesame for all | unknown | unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all |
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? |
unknown |
| Card replacementsame for all | unknown | unknown |
| Unknown for all | Free cards · Monthly fee · Annual fee · Crypto deposit fee · Crypto conversion fee · Foreign currency fee · FX free allowance · Minimum FX fee · Cross-border fee · Activation fee · Refund fee · Inactivity fee · Minimum monthly spend · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown | unknown |
| Referral bonus (invited friend)same for all | unknown |
5 USD
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Both you and the person you refer earn $5 when the referred user spends $150 on their Flex card within 45 days of signing up. Rewards are paid out in the first week of the following month.Checked Verified Value wrong? History What does [s] mean? |
| Referral bonus (you)same for all | unknown |
5 USD
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Both you and the person you refer earn $5 when the referred user spends $150 on their Flex card within 45 days of signing up. Rewards are paid out in the first week of the following month. You can ea...Checked Verified Value wrong? History What does [s] mean? |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Cashback · Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at Fiat24 Card · Onboard Card: promotions and bonuses as well as warnings and incidents.