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Image source Source fiat24.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by Fiat24 Paused

Fiat24 Card

Requires KYC Private Virtual

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified29 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on
Score average of 100

How it is made up ↓Methodology →

To Fiat24

Basicsfiat24-card

Card form
debit 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types
virtual 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network
Mastercard 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody
self-custody 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 model
fiat balance 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
CHF, CNY, EUR, USD 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 29 Oct 2026 Value wrong? History What does [s] mean?
Usage
personal 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on
account tier 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Cards per account
unknown
Mobile wallets
Apple Pay Google Pay Samsung Pay 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals
unknown
Contactless
unknown

Fees and cashback

AttributeValue
Fees
Virtual card issuance unknown
Physical card issuance not applicable 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 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Shipping not applicable 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 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Monthly fee unknown
Annual fee unknown
Top-up fee
  • top-up via bank transfer: free Source and check Source docs.fiat24.com Wording at the source Successful deposits is free. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 82.86 CHF: 0.00 CHF ↳ Topping up 828.57 CHF: 0.00 CHF
Crypto deposit fee unknown
Crypto conversion fee unknown
Minimum conversion 5.00 USD Source and check Source docs.fiat24.com Wording at the source The minimal top-up value is 5 USD. If the total token has less than this minimal value, the smart contract call will revert. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
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. 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card replacement unknown
Plan waivers unknown
Cashback & rewards
Cashback unknown

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. ID document

    ID document, often with a selfie or video ident

    1. Verified Individual at Fiat24

      from age 18

      Source and check Source docs.fiat24.com Wording at the source Individuals - live in the eligible countries - have a biometric identity (Passport or ID) - without the nationality in Iran, North Korea or Russia - not a US Person - more than 18 years old - not san... Checked Verified Value wrong? No earlier versions What does [s] mean?

      Requires: ID document

LimitsValue Card
Top-up per transaction 50,000 USD Source and check Source docs.fiat24.com Wording at the source The maximal top-up value is 50,000 USD. If the total token has great than this threshold, the smart contract call will revert. Checked Verified Value wrong? No earlier versions What does [s] mean? virtual and physical card
Spending per day 10,000 EUR Source and check Source docs.fiat24.com Wording at the source Standard 20,000 EUR/Month 10,000 EUR/Day For 5-8 digits NFT users Checked Verified Value wrong? No earlier versions What does [s] mean? ↑ from Premium: 100,000 EUR virtual card
Spending per month 20,000 EUR Source and check Source docs.fiat24.com Wording at the source Standard 20,000 EUR/Month 10,000 EUR/Day For 5-8 digits NFT users Checked Verified Value wrong? No earlier versions What does [s] mean? ↑ from Premium: 200,000 EUR virtual card

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

Account tiers (VIP, loyalty)

Account tiers change limits or perks, not the documents.

KYC: ID document Identity verification is required from the first level.

When is KYC needed?

  • Risk reviewAfter a risk review at its own discretion, Fiat24 may request additional documents such as proof of source of funds. Source and check Source docs.fiat24.com Wording at the source 8.1.2 periodically verify the information forming the basis for the identification of the Client and/or the Cardholder and request the Client and/or the Cardholder to submit additional documents; Checked Verified Value wrong? History What does [s] mean?
What do you have to show? Open the KYC finder

Availability

AttributeValue
Available in Available in 60 countries and regions 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Residency requirement Must live in an eligible country; Iranian, North Korean and Russian nationalities and US persons are excluded. Source and check Source docs.fiat24.com Wording at the source Individuals - live in the eligible countries - have a biometric identity (Passport or ID) - without the nationality in Iran, North Korea or Russia - not a US Person - more than 18 years old - not san... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Key countries

  • 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

✓ available · ✗ not available · ? not known from the sources

Point at or tap a country.

available (60) not available (190) unknown

Crypto

AttributeValue
Supported assets USDC 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 assets unknown
Top-up networks Arbitrum 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
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. Source and check Source docs.fiat24.com Wording at the source Direct Pays option Every Fiat24 account has 4 currencies: EUR, CHF, USD and RMB, and you can enable the Direct Pay option for all or some of them. If your card transactions are in these currencies, th... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fiat top-up Yes 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?

Bonuses and promotions

What Fiat24 offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

No referral bonus, welcome bonus or promotion documented yet.

Trust

AttributeValue
Issuer / BIN sponsor SR Saphirstein AG 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 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Program manager unknown
Headquarters Available in: Switzerland Source and check Source docs.fiat24.com Wording at the source Our registered office is Bellerivestrasse 245, 8008 Zurich, Switzerland. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Support channels Telegram Source and check Source docs.fiat24.com Wording at the source As of 01 September 2025, the email address `[email protected]` has been deprecated and replaced by the Telegram Service Bot. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Issuer

Fiat24 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 Licensed 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

Licences

  • Swiss Financial Market Supervisory Authority (FINMA) Source and check Source finma.ch Wording at the source List of persons licensed by FINMA pursuant to Article 1b BA (FinTech licence) Name City Audax Solutions AG Zürich Bivial AG Zug Relio AG Zürich Sequence SA Genève SR Saphirstein AG Zürich Yapeal AG Z... Checked Verified Value wrong? History What does [s] mean? Bank licence (CH) Register entry

What users report

No community reports evaluated yet.

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.

Methodology and weights
  1. CostsWeight 25 %
    100/100
    25.0 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    35/100
    7.0 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    55/100
    8.3 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    45/100
    4.5 of 10 points

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    –
    not scored counts neutral (5.0)

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    83/100
    8.3 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % 60
    • Company age (up to 5 years)Weight 10 % not scored
    • Card on the market (up to 3 years)Weight 10 % not scored
    • IssuerWeight 15 % 88
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 86
    • Incidents (12 months)Weight 15 % 100
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

News

Recent news about Fiat24 from the press and the provider's own channels, rated automatically. · last 90 days: 0 positive, 0 neutral, 1 negative

  1. ChainCatcher Notable Negative
    RedotPay, seeking a valuation of 5 billion...

    Assessment: 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.

Early warning

Alerts for this card

We tell you what changes at Fiat24 Card and Fiat24, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Score changed from 50.66 to 63.16.

  • Score changed from 51.12 to 50.66.

  • Score changed from 50.94 to 51.12.

  • Score changed from 52.64 to 50.94.

  • Score changed from 50.98 to 52.64.

  • Changes to KYC levels and requirements.

  • Changes to limits.

  • Score changed from 53.98 to 50.98.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • New logo.

  • Score changed from 53 to 53.98.

  • Changes to licences.

Apply for Fiat24 Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

Report an error To Fiat24