The Fiat24 Debit Card is a Mastercard debit card with no annual fee, available in Global (eligible countries not published; US persons, Iran, North Korea and Russia excluded).
Fiat24 is a Swiss on-chain banking protocol operated by SR Saphirstein AG, a FINMA-supervised fintech. Account numbers are ERC-721 NFTs minted by the user, and the NFT's digit length sets the account tier (Standard, Premium, Ultimate).
The Fiat24 Debit Card is a crypto debit card offered by Fiat24 (SR Saphirstein AG), available in Global (eligible countries not published; US persons, Iran, North Korea and Russia excluded). There is no annual fee to hold this card.
Note that the card is virtual only. It runs on the Mastercard network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Browse all our regional card guides. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| No Cashback | 0% | No cashback or rewards programme appears in the published pricing schedule for individuals |
Swiss IBAN in the account holder's name. Standard individual accounts have been barred from receiving third-party bank transfers since 1 January 2025, except from verified platforms.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Fiat24 Debit Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). Fiat24 Debit Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Virtual-only Mastercard Debit with no PIN, spendable through Apple Pay, Google Pay and Samsung Pay, drawing on a Swiss IBAN held with SR Saphirstein AG (card BIN 5481 0849). There is no issuance, monthly or annual fee and no FX markup disclosed; the platform's revenue is the crypto top-up fee, which is 1.0% on Standard accounts, 0.5% on Premium and 0.25% on Ultimate. The account number is an NFT the user mints: an 8-digit Standard number is free, 5-6 digits costs 1 F24, Premium (4 digits) 1,500 F24 and Ultimate (3 digits) 15,000 F24. From 15 May 2026 a refund fee of 1 USD, 1 EUR, 1 CHF or 7 CNH applies per refunded transaction, and an invalid deposit or payout is charged 10 EUR/CHF. CAVEATS: Fiat24's own documentation states it is 'currently not accepting any new Individual Clients' pending maintenance works, and new accounts opened from 5 June 2026 carry a USD 30,000 monthly transaction limit. Since 1 January 2025 Standard individual accounts cannot receive bank transfers from third parties except from verified platforms. GAP: the eligible-country list is behind a link Fiat24 does not render as a fetchable page, so the region here is recorded from the exclusion list rather than an enumerated allow-list.
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The Fiat24 Debit Card is a crypto debit card offered by Fiat24 (SR Saphirstein AG). It is available in Global (eligible countries not published; US persons, Iran, North Korea and Russia excluded) and allows users to spend cryptocurrency at merchants worldwide.
The Fiat24 Debit Card has an annual fee of $0. Additional fees: Conversion fee: Money exchange between account currencies is free; Top-up: 1.0% Standard / 0.5% Premium / 0.25% Ultimate (crypto top-up).
The Fiat24 Debit Card has the following limits: daily spending limit: EUR 10,000 (Standard); EUR 100,000 Premium; EUR 500,000 Ultimate; monthly spending limit: EUR 20,000 (Standard); EUR 200,000 Premium; EUR 1,000,000 Ultimate. Accounts opened from 5 June 2026 are additionally capped at USD 30,000/month. Limits can vary by account tier and verification level.
Supported assets include USDC, USDT, ETH; top-up methods include Crypto top-up, SEPA/SWIFT transfer into the Swiss IBAN, Cash deposit; crypto deposits are supported on Ethereum, Arbitrum.
Yes. The Fiat24 Debit Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Fiat24 Debit Card is available in Global (eligible countries not published; US persons, Iran, North Korea and Russia excluded). It is NOT available in the United States.
The Fiat24 Debit Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Fiat24 Debit Card supports Apple Pay and Google Pay and Samsung Pay for contactless payments.
The Fiat24 Debit Card is issued by SR Saphirstein AG.
Yes, the Fiat24 (SR Saphirstein AG) platform provides a personal IBAN in the user's name. Capabilities: receiving third-party transfers: no; sending transfers to third parties: yes; transfer limits: USD 30,000/month for accounts opened from 5 June 2026. Swiss IBAN in the account holder's name. Standard individual accounts have been barred from receiving third-party bank transfers since 1 January 2025, except from verified platforms.
Visit Fiat24 (SR Saphirstein AG)
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