# SafePal Mastercard

by SafePal · checked 29 Oct 2026 · updated 29 Oct 2026

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

## Facts

- SafePal Mastercard is a Mastercard debit card from SafePal.
- SafePal Mastercard has no monthly fee.
- SafePal Mastercard has no annual fee.
- Payments in foreign currencies cost 1 %.
- Topping up costs free.
- It works with Apple Pay, Google Pay, Samsung Pay.
- Custody: custodial.
- Supported assets: USDC.
- Top-up networks: Arbitrum.
- Issuer / BIN sponsor: Fiat24 (SR Saphirstein AG).

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | debit |  | safepal.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Card types | virtual |  | safepal.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Card network | Mastercard |  | safepal.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Custody | custodial |  | safepal.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Funding model | stablecoin balance |  | safepalsupport.zendesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Card currencies | CHF, CNY, EUR, USD |  | safepalsupport.zendesk.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Usage | personal |  | safepal.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Limits depend on | user setting |  | safepal.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay, Google Pay, Samsung Pay |  | safepal.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ATM withdrawals | Yes |  | safepalsupport.zendesk.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Contactless | Yes |  | safepal.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | unknown |  |  |
| Physical card issuance | not applicable |  | safepal.com (checked 28 Oct 2026 · verified 29 Oct 2026) |
| Shipping | not applicable |  | safepal.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Monthly fee | 0.00 USD |  | safepalsupport.zendesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Annual fee | 0.00 USD |  | safepalsupport.zendesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Top-up fee | free |  | safepalsupport.zendesk.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto deposit fee | free |  | safepalsupport.zendesk.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto conversion fee | unknown |  |  |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 1 % |  | safepalsupport.zendesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | unknown |  |  |
| Merchant-specific fee | unknown |  |  |
| Transaction fee | unknown |  |  |
| Cross-border fee | unknown |  |  |
| Withdrawal fee | unknown |  |  |
| Activation fee | unknown |  |  |
| Minimum top-up | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | unknown |  |  |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | unknown |  |  |
| Card replacement | unknown |  |  |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | unknown |  |  |

## KYC and limits

KYC: ID document

### ID document

- Fiat24 identity verification at SafePal — Requires: E-mail, Phone number, Address, ID document — safepalsupport.zendesk.com (checked 29 Oct 2026 · verified 28 Oct 2026)

| Limits | Value |
| --- | --- |
| Spending per day | 10,000 USD |
| Spending per day (number) | 100× |
| Spending per month | 20,000 USD |
| Spending per month (number) | 500× |
| Contactless per day | 1,600 EUR |

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | Available in 42 countries and regions |  | safepal.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Residency requirement | The applicant must be a citizen of a supported region and reside in a supported area. |  | safepal.com (checked 29 Oct 2026 · verified 28 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 | not 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 |  | safepalsupport.zendesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | Arbitrum |  | safepalsupport.zendesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Spending order | The enabled payment currency account is used first; if its balance is insufficient, the default currency is used. |  | safepalsupport.zendesk.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Fiat top-up | Yes |  | safepalsupport.zendesk.com (checked 28 Oct 2026 · verified 28 Oct 2026) |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Fiat24 (SR Saphirstein AG) |  | safepal.com (checked 28 Oct 2026 · verified 28 Oct 2026) |
| Program manager | unknown |  |  |
| Headquarters | unknown |  |  |
| Support channels | email |  | safepal.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

Licence of the card issuer Fiat24:

- 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

- Brand on record since 08/2022
- Domain older than the brand (registered 01/2004)

### Issuer

- Fiat24
- Issues 2 card programmes in our catalogue

### Transparency

- Transparency 71 %
- 0 of 17 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: no
- Terms and conditions: yes
- Terms with version or date: yes
- Sources last checked 2026-10-29

## How the score is made up

63.14 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 % | 92 | 22.9 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 68 | 10.2 |
| Availability | 10 % | 42 | 4.2 |
| Rewards | 10 % | not scored | counts neutral (5.0) |
| Trust | 10 % | 88 | 8.8 |
| Community | 10 % | not scored | counts with the median (5.0) |

## News

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

- 27 Oct 2026: [rebby-wallet.us.safepel.us: SafePal Phishing](https://phishdestroy.io/domain/rebby-wallet.us.safepel.us/) (PhishDestroy) — Negative. Phishing page imitating SafePal is reported; it is a third-party scam domain, not a breach of SafePal's own systems.
- 25 Oct 2026: [Keystone Confirms Website Breach Exposed Customer Orders, Says Seed Phrases Untouched — BigGo Finance](https://finance.biggo.com/news/452f75c1-0f4d-4556-8e4e-5c953264f802) (BigGo Finance) — Negative. Snippet says a SafePal order-tracking authorization flaw exposed customer personal data; no funds are reported at risk.

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 61.49 to 62.99.
- 29 Oct 2026: Changes to licences.
- 29 Oct 2026: Score changed from 61.17 to 61.49.
- 29 Oct 2026: Changes to licences.
- 28 Oct 2026: Score changed from 62.3 to 62.09.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Score changed from 61.51 to 62.3.
- 28 Oct 2026: Score changed from 58.51 to 61.51.
- 28 Oct 2026: Changes to licences.
- 28 Oct 2026: Score changed from 48.09 to 58.51.
- 28 Oct 2026: Score changed from 48.92 to 48.09.
- 28 Oct 2026: Score changed from 50.8 to 48.92.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Score changed from 49.13 to 50.8.
- 28 Oct 2026: Changes to limits.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Score changed from 53.75 to 49.13.

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

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- **Canonical URL:** https://cryptocardss.com/en/safepal-mastercard/
- **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/safepal-mastercard/