Comparison
Fiat24 Card vs. Utorg Crypto 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
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Utorg Crypto CardUtorg
In short
- Fewest documents: Fiat24 Card (ID document).
- Fiat24 Card has the best score (6.6).
| Attribute |
Fiat24 CardFiat24
|
Utorg Crypto CardUtorg
|
|---|---|---|
| Overview | Requires KYC Private Virtual | Requires KYC Private Virtual |
| Score | good | average |
| CostsWeight 25 % | 7.0 | 8.5 |
| TrustWeight 20 % | 7.2 | 5.8 |
| KYC and privacyWeight 15 % | 6.5 | 4.5 |
| FeaturesWeight 15 % | 5.4 | 4.7 |
| AvailabilityWeight 10 % | 7.7 | 3.8 |
| RewardsWeight 10 % | not scored | not scored |
| CommunityWeight 5 % | not scored | 5.1 |
| KYC | KYC: ID document | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame 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? |
debit
utorg.com checked 30 Oct 2026
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Source
utorg.com
Wording at the source
Accepted at physical terminals, online stores, and wherever debit cards are used.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card typessame for all |
virtual
docs.fiat24.com checked 30 Oct 2026
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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
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.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 |  
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
utorg.com checked 30 Oct 2026
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Source
utorg.com
Wording at the source
### White-Label Crypto Cards Issue branded physical and virtual Visa cards to your users. Real-time crypto-to-fiat conversion at the point of sale, accepted at 80M+ merchants worldwide.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Custodysame for all |
self-custody
docs.fiat24.com checked 29 Oct 2026
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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? |
self-custody
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Nope. You hold your keys. You hold your crypto. We never touch your assets — that's the whole point.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
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
utorg.com checked 30 Oct 2026
Two sources, two values
Shownfiat balance
utorg.comchecked 30 Oct 2026
You will also be able to top up your Utorg Card by exchanging your crypto assets from your non-custodial wallet for fiat and make payments with your debit Utorg payment card.Differingconverted on spend utorg.comfetched 30 Oct 2026 Issue branded physical and virtual Visa cards to your users. Real-time crypto-to-fiat conversion at the point of sale, accepted at 80M+ merchants worldwide.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 30 Oct 2026 Value wrong? History 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
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Card Currency is USD: To ensure the fastest possible relaunch, all new cards are issued in USD. While we plan to reintroduce EUR cards in the future, USD is currently the primary currency.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usagesame for all |
personal
docs.fiat24.com checked 30 Oct 2026
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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
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Up to €30,000, providing you with the freedom to manage your finances without constraints.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame 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? |
unknown |
| Limits depend onsame for all |
account tier
docs.fiat24.com checked 30 Oct 2026
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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 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? |
Available in 29 countries and regions
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Italy Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Romania Slovakia Slovenia Spain Ukraine Austria Belgium Bulgaria Croatia Cyprus Czech Repub...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assetssame 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? |
USDC
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon.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 |
1
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon. - 1:0.9995 Conversion: When you top up, 1 USDC equals $...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| 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, Solana, Polygon, Arbitrum
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
However, you can top-up the card with USDC in Ethereum, Polygon, Arbitrum and Solana networks without paying a transaction fee in the native coin. For such a top-up, we take 0 USD as a commission.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fiat top-up (differs)same 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? |
No
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets (differs)same for all |  
Apple Pay
 
Google Pay
 
Samsung Pay
docs.fiat24.com checked 30 Oct 2026
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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
utorg.com checked 30 Oct 2026
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Source
utorg.com
Wording at the source
### Google Pay & Apple Pay Easily add Utorg Card to Google Pay and Apple PayChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
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? |
No
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
docs.fiat24.com checked 30 Oct 2026
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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? |
Yes
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
### Google Pay & Apple Pay Easily add Utorg Card to Google Pay and Apple PayChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all | unknown | |
| 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
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.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
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
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Monthly feesame for all |
0.00 EUR
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Yes. Really. No payment fees, no FX markups, no monthly charges. We make money on volume — not on you.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Annual feesame for all | unknown | |
| Top-up feesame for all | unknown | |
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all |
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? |
unknown |
| Foreign currency feesame for all |
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? |
0 % promotion, no end date stated
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
## Zero fees* Enjoy zero fees on payments and cross-fiat conversions * for a limited time! For more information, contact our support team.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? , regular unknown |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all |
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? |
unknown |
| ATM feesame for all |
not applicable
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Transaction feesame for all |
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? |
free promotion, no end date stated
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
## Zero fees* Enjoy zero fees on payments and cross-fiat conversions * for a limited time! For more information, contact our support team.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? , regular unknown |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Account closure feesame for all |
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? |
unknown |
| Dispute feesame for all |
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? |
unknown |
| Minimum top-upsame for all | unknown | |
| Declined payment feesame for all | unknown | |
| Refund feesame for all | unknown | |
| Inactivity feesame for all | unknown | |
| Minimum monthly spendsame for all | 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 for all | Virtual card issuance · Free cards · Annual fee · Top-up fee · Crypto deposit fee · FX free allowance · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · 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
Watch both cards
One mail when something changes at Fiat24 Card · Utorg Crypto Card: promotions and bonuses as well as warnings and incidents.