Basicssafepal-mastercard
- Card form
-
debit
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platforms
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card types
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virtual
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platforms
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card network
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Mastercard
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platforms
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Custody
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custodial
safepal.com checked 28 Oct 2026
Two sources, two values
Showncustodial
safepal.comchecked 28 Oct 2026
If the User is using any Centralized Digital Asset Exchange, Banking Accout and Card Services, Fiat Currency and Digital Asset on-ramp and off-ramp service or any centralized service provided by Third...
Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Funding model
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stablecoin balance
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Having EUR24, USD24, and CHF24 in your wallet signifies that you possess the equivalent amount of legal currency in your Fiat24 IBAN account. When you transfer funds from your Fiat24 IBAN account, the...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card currencies
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CHF, CNY, EUR, USD
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Enjoy zero FX fees when spending in EUR, CHF, USD, and CNY, along with no deposit fees for seamless funding—making everyday transactions cost-effective and efficient.
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? - Usage
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personal
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
If you are a citizen in any of the supported regions and reside in supported areas, you will be able to open an account.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Limits depend on
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user setting
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Customize your spending limit for advanced security2
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Mobile wallets
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Apple Pay
Google Pay
Samsung Pay
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Spend crypto via popular and established payment platforms like Paypal, Apple Pay, Google Pay, Samsung Pay, and more
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - ATM withdrawals
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Yes
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
ATM Withdrawal: Switch it off when you don't have contactless withdrawal requirements
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Contactless
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Yes
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
For Mastercards, the limit for contactless payments is 1,600 EUR per day and 5,000 EUR per day for other payment methods. The monthly consumption limit is the same as the transaction limit.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees and cashback
| Attribute | Value |
|---|---|
| Fees | |
| Virtual card issuance | unknown |
| Physical card issuance |
not applicable
safepal.com checked 28 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Shipping |
not applicable
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Monthly fee |
0.00 USD
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
There are no account opening fees, management fees, or any other additional charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual fee |
0.00 USD
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
There are no account opening fees, management fees, or any other additional charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Top-up fee |
free
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shownfree
safepalsupport.zendesk.comchecked 29 Oct 2026
The standard deposit/top-up fee is set at 0% .Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? ↳ Topping up 82.86 CHF: 0.00 CHF ↳ Topping up 828.57 CHF: 0.00 CHF |
| Crypto deposit fee |
free
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shownfree
safepalsupport.zendesk.comchecked 29 Oct 2026
The standard deposit/top-up fee is set at 0% .Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ amount_100: 0.00 CHF |
| Crypto conversion fee | unknown |
| Minimum conversion | unknown |
| Foreign currency fee |
1 %
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shown1 %
safepalsupport.zendesk.comchecked 29 Oct 2026
Mastercard transactions settled in non-USD currencies will incur a 1% currency exchange fee. A processing fee of 1 USD/1 EUR/1 CHF/7 CNH will be charged per refund, depending on the payment currency.Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| 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 |
Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of
KYC and limits
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ID document
ID document, often with a selfie or video ident
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Fiat24 identity verification at SafePal
safepalsupport.zendesk.com checked 29 Oct 2026 Source and check Source safepalsupport.zendesk.com Wording at the source
Next, please provide and verify your email and mobile phone number. Next, verify your address information and authorize SafePal App to read the location information. Your location information is only...
Checked Verified Value wrong? No earlier versions What does [s] mean?Requires: E-mail, Phone number, Address, ID document
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| Limits | Value | User-adjustable |
|---|---|---|
| Spending per day |
10,000 USD
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shown10,000 USD
safepalsupport.zendesk.comchecked 29 Oct 2026
Currently issued cards are $20,000 per month, $10,000 per day, limited to 100 transactions per day, and 500 transactions per month.Differingvalue not recorded Our verifier confirmed the shown value; the differing source is being checked. Value wrong? No earlier versions What does [s] mean? |
yes |
| Spending per day (number) |
100×
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Currently issued cards are $20,000 per month, $10,000 per day, limited to 100 transactions per day, and 500 transactions per month.Checked Verified Value wrong? No earlier versions What does [s] mean? |
– |
| Spending per month |
20,000 USD
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Currently issued cards are $20,000 per month, $10,000 per day, limited to 100 transactions per day, and 500 transactions per month.Checked Verified Value wrong? No earlier versions What does [s] mean? |
yes |
| Spending per month (number) |
500×
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Currently issued cards are $20,000 per month, $10,000 per day, limited to 100 transactions per day, and 500 transactions per month.Checked Verified Value wrong? No earlier versions What does [s] mean? |
– |
| Contactless per day |
1,600 EUR
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
For Mastercards, the limit for contactless payments is 1,600 EUR per day and 5,000 EUR per day for other payment methods. The monthly consumption limit is the same as the transaction limit.Checked Verified Value wrong? No earlier versions What does [s] mean? |
– |
KYC: ID document Identity verification is required from the first level.
When is KYC needed?
No triggers published.
What do you have to show? Open the KYC finderAvailability
| Attribute | Value |
|---|---|
| Available in |
Available in 42 countries and regions
safepal.com checked 28 Oct 2026
Source and check
Source
safepal.com
Wording at the source
$100,000 monthly transaction limit with Mastercard support Aland Islands(ALA) Australia(AUS) Austria(AUT) Belgium(BEL) Canada(CAN) Cyprus(CYP) Czech Republic(CZE) Denmark(DNK) Estonia(EST) F...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Residency requirement |
The applicant must be a citizen of a supported region and reside in a supported area.
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
If you are a citizen in any of the supported regions and reside in supported areas, you will be able to open an account.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 not 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.
Crypto
| Attribute | Value |
|---|---|
| Supported assets |
USDC
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown |
| Top-up networks |
Arbitrum
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| 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
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Enable the currencies you want to use. After a currency account is enabled, you will not incur exchange fees when making payments in this currency. If the balance in a specific currency account is ins...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-up |
Yes
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Step 2: Select IBAN, then select the fiat account you want to deposit.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Bonuses and promotions
What SafePal 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
| Attribute | Value |
|---|---|
| Issuer / BIN sponsor |
Fiat24 (SR Saphirstein AG)
safepal.com checked 28 Oct 2026
Two sources, two values
ShownFiat24 (SR Saphirstein AG)
safepal.comchecked 28 Oct 2026
3.6 Fiat24 Banking Services. SafePal connects Users with banking and card services provided by Fiat24, a financial institution regulated in Switzerland and operated by SR Saphirstein AG. All banking,...Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Program manager | unknown |
| Headquarters | unknown |
| Support channels |
email
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Responsive and dedicated email support7Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
-
Brand on record since 08/2022
web.archive.org checked 29 Oct 2026
Source and check
Source
web.archive.org
Wording at the source
archived capture: 2022-08-16
Checked Verified -
Domain older than the brand (registered 01/2004)
rdap.verisign.com checked 29 Oct 2026
Source and check
Source
rdap.verisign.com
Wording at the source
registration: 2004-01-11
Checked Verified
Issuer
Fiat24
safepal.com checked 28 Oct 2026
Two sources, two values
Shown–
safepal.comchecked 28 Oct 2026
3.6 Fiat24 Banking Services. SafePal connects Users with banking and card services provided by Fiat24, a financial institution regulated in Switzerland and operated by SR Saphirstein AG. All banking,...Differingvalue not recorded Our verifier confirmed the shown value; the differing source is being checked. Licensed 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
Licences
Licence of the card issuer Fiat24
-
Swiss Financial Market Supervisory Authority (FINMA)
finma.ch checked 29 Oct 2026
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 What does [s] mean? Bank licence (CH) Register entry
What users report
No community reports evaluated yet.
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.
Methodology and weights-
CostsWeight 25 %22.9 of 25 points
monthly/annual fee, top-up, FX and ATM fees
-
KYC and privacyWeight 20 %7.0 of 20 points
KYC class needed, KYC-free allowance
-
FeaturesWeight 15 %10.2 of 15 points
wallets, physical card, ATM, assets, chains
-
AvailabilityWeight 10 %4.2 of 10 points
number of countries, EU/US/UK
-
RewardsWeight 10 %not scored counts neutral (5.0)
cashback considering caps and staking requirements
-
TrustWeight 10 %8.8 of 10 points
licences, incidents, company and card age, issuer, ownership, security, transparency
Trust in detail
- LicencesWeight 15 % not scored
- 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 % 71
- Incidents (12 months)Weight 15 % 100
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CommunityWeight 10 %not scored counts with the median (5.0)
ratings and reports, damped, neutral with too little data
News
Recent news about SafePal from the press and the provider's own channels, rated automatically. · last 90 days: 0 positive, 0 neutral, 2 negative
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PhishDestroy Notable Negative Security incidentrebby-wallet.us.safepel.us: SafePal Phishing
Assessment: Phishing page imitating SafePal is reported; it is a third-party scam domain, not a breach of SafePal's own systems.
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BigGo Finance Notable Negative Security incidentKeystone Confirms Website Breach Exposed Customer Orders, Says Seed Phrases Untouched — BigGo Finance
Assessment: 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.
Early warning
Alerts for this card
We tell you what changes at SafePal Mastercard and SafePal, with evidence for every alert.
Changelog
Score changed from 61.49 to 62.99.
Changes to licences.
Score changed from 61.17 to 61.49.
Changes to licences.
Score changed from 62.3 to 62.09.
Changes to KYC levels and requirements.
Score changed from 61.51 to 62.3.
Score changed from 58.51 to 61.51.
Changes to licences.
Score changed from 48.09 to 58.51.
Score changed from 48.92 to 48.09.
Score changed from 50.8 to 48.92.
Changes to KYC levels and requirements.
Score changed from 49.13 to 50.8.
Changes to limits.
Changes to KYC levels and requirements.
Score changed from 53.75 to 49.13.
Apply for SafePal Mastercard 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.