# Fiat24 Card

by Fiat24 · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [fiat24.com](https://www.fiat24.com)

## Facts

- Fiat24 Card is a Mastercard debit card from Fiat24.
- Topping up via bank transfer costs free.
- The card works with Apple Pay, Google Pay, Samsung Pay.
- Custody: self-custody.
- Supported assets: USDC.
- Top-up networks: Arbitrum.
- Issuer / BIN sponsor: SR Saphirstein AG.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | debit |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card network | Mastercard |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | self-custody |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Funding model | fiat balance |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | CHF, CNY, EUR, USD |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | account tier |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay, Google Pay, Samsung Pay |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | unknown |  |  |
| Contactless | unknown |  |  |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | unknown |  |  |
| Physical card issuance | not applicable |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Shipping | not applicable |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Monthly fee | unknown |  |  |
| Annual fee | unknown |  |  |
| Top-up fee | unknown |  |  |
| ↳ top-up via bank transfer | free |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | unknown |  |  |
| Minimum conversion | 5.00 USD |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Foreign currency fee | unknown |  |  |
| Minimum FX fee | unknown |  |  |
| ATM fee | unknown |  |  |
| Merchant-specific fee | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | unknown |  |  |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | A card that has not been used in the 6 months before its expiration will not be renewed. |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card replacement | unknown |  |  |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | unknown |  |  |

## KYC and limits

KYC: ID document

### ID document

- Verified Individual at Fiat24 — Requires: ID document — docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026)

| Limits | Value |
| --- | --- |
| Top-up per transaction | 50,000 USD |
| Spending per day (virtual card) | 10,000 EUR (↑ from Premium: 100,000 EUR) |
| Spending per month (virtual card) | 20,000 EUR (↑ from Premium: 200,000 EUR) |

Values for the entry account tier Standard; ↑ shows a higher limit from a higher account tier.

### Account tiers (VIP, loyalty)

- Standard: For 5-8 digits NFT users · Spending: 10,000 EUR per day · Spending: 20,000 EUR per month
- Premium: For 4 digits NFT users · Spending: 100,000 EUR per day · Spending: 200,000 EUR per month
- Ultimate: For 3 digits NFT users · Spending: 500,000 EUR per day · Spending: 1,000,000 EUR per month

### When is KYC needed?

- After a risk review at its own discretion, Fiat24 may request additional documents such as proof of source of funds. — docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | Available in 60 countries and regions |  | info.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Residency requirement | Must live in an eligible country; Iranian, North Korean and Russian nationalities and US persons are excluded. |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | available |
| Austria | available |
| Switzerland | available |
| United States | not available |
| United Kingdom | available |
| France | available |
| Spain | available |
| Italy | available |
| Netherlands | available |
| Türkiye | available |
| Brazil | not available |
| Nigeria | not available |
| India | not available |
| United Arab Emirates | not available |
| Singapore | available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | USDC |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | Arbitrum |  | fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Spending order | Direct Pay charges the balance matching the transaction currency first when enabled; if that balance is insufficient, the full transaction is settled in the selected default card currency without splitting across currencies. |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Fiat top-up | Yes |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | SR Saphirstein AG |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Program manager | unknown |  |  |
| Headquarters | Available in: Switzerland |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Support channels | Telegram |  | docs.fiat24.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

- Swiss Financial Market Supervisory Authority (FINMA) · bank  · CH [Register entry](https://www.finma.ch/en/~/media/finma/dokumente/bewilligungstraeger/pdf/fintech.pdf?la=en)

## Company and trust

### Issuer

- Fiat24
- Issues 2 card programmes in our catalogue

### Transparency

- Transparency 86 %
- 0 of 14 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: yes
- Terms and conditions: yes
- Terms with version or date: yes
- Sources last checked 2026-10-29

## How the score is made up

63.16 of 100 · average. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 100 | 25.0 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 55 | 8.3 |
| Availability | 10 % | 45 | 4.5 |
| Rewards | 10 % | not scored | counts neutral (5.0) |
| Trust | 10 % | 83 | 8.3 |
| Community | 10 % | not scored | counts with the median (5.0) |

## News

Recent news about Fiat24 from the press and the provider's own channels, rated automatically.

- 28 Oct 2026: [RedotPay, seeking a valuation of 5 billion...](https://chaincatcher.com/en/article/2299513) (ChainCatcher) — Negative. Background note that Fiat24 suspended crypto top-up in July; restriction on funding, with the rest of the article about RedotPay valuation.

Headlines link to the original article. Sentiment and severity are an automated assessment of headline and summary, not a statement of fact; we do not store the articles.

## Changelog

- 29 Oct 2026: Score changed from 50.66 to 63.16.
- 29 Oct 2026: Score changed from 51.12 to 50.66.
- 29 Oct 2026: Score changed from 50.94 to 51.12.
- 29 Oct 2026: Score changed from 52.64 to 50.94.
- 29 Oct 2026: Score changed from 50.98 to 52.64.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Score changed from 53.98 to 50.98.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: New logo.
- 29 Oct 2026: Score changed from 53 to 53.98.
- 29 Oct 2026: Changes to licences.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/fiat24-card/report-an-error/

---

- **Canonical URL:** https://cryptocardss.com/en/fiat24-card/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 29 Oct 2026, https://cryptocardss.com/en/fiat24-card/