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FFiat24 Card logo

Fiat24 Card

Updated: Jul 29, 2026

The Fiat24 Card is a multicurrency Mastercard virtual debit card offered by SR Saphirstein AG and connected to Fiat24's Swiss IBAN account and Web3 identity NFT. Cardholders can make online purchases using EUR, CHF, USD, or CNH account balances and can add the card to Apple Pay, Google Pay, or Samsung Pay for use at in-store merchants that support contactless payments.
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Confirmed unavailable on App Store
Card network
Mastercard
Product type
Crypto-friendly bank account card
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDT / USDC / ETH / USD / EUR / GBP / CHF
Last updated
Jul 29, 2026

Official and company information

Issuer identity and company credentials

Fiat24 is a payment services brand used by SR Saphirstein AG, a Swiss company registered under number CHE-256.014.995, headquartered in Zurich. The institution holds a fintech license under Article 1b of the Swiss Banking Act and is regulated by FINMA. It is responsible for Fiat24 multi-currency accounts, cash tokens, and Mastercard virtual card issuance. Official materials list SR Saphirstein AG as the primary card issuer and disclose the first eight digits of the card BIN as 5481 0849.
Visit website Application page
Company / issuer
Fiat24
Legal name
SR Saphirstein AG
Registered region
Switzerland (CH)
Headquarters
Original瑞士苏黎世
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Fiat24 uses an NFT account structure. The Fiat24 NFT held by the user serves as the account number, identity credential, and service access point. After opening an account, users receive a Swiss IBAN, multicurrency fiat accounts, and a virtual Mastercard debit card. Card transactions first debit the EUR, CHF, USD, or CNH balance matching the transaction currency. If that balance is insufficient, settlement is converted from the user's designated default currency. Accounts can be funded by bank transfer or a USDC crypto top-up, and the resulting fiat balance is recorded as on-chain cash tokens. Fiat24 issues only virtual cards without a PIN and does not provide plastic physical cards or ATM cash services. As of July 29, 2026, the official Fiat24 portal is in maintenance mode and is temporarily not accepting new direct account applications. No suspension of existing account or card services has been announced.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Fiat24 Standard Debit Card
Fiat24 Premium Debit Card
Fiat24 Ultimate Debit Card
Card formVirtual cardVirtual cardVirtual card
Fees
Monthly fee———
Card issuance fee—
1,500
Minting a four-digit NFT account costs 1500F24
15,000
Minting a three-digit NFT account costs 15000F24
ATM fee———
Foreign exchange fee———
Top-up fee
1%
Crypto assets transferred into a fiat account
0.5%
Crypto assets transferred into a fiat account
0.25%
Crypto assets transferred into a fiat account
Failed transaction fee———
Rewards
Cashback———
Crypto cashback———
Staking rewards———
Staking APR———
Welcome bonus———
Referral bonus———
Limits
Daily spending limit
10,000 EUR
Standard card daily spending limit
100,000 EUR
Premium card daily spending limit
500,000 EUR
Flagship card daily spending limit
Monthly spending limit
20,000 EUR
Standard card monthly spending limit
200,000 EUR
Premium card monthly spending limit
1,000,000 EUR
Flagship card monthly spending limit
ATM withdrawal limit———
Card network
Drag horizontally to view other cards

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

41
GermanyDESouth KoreaKRRomaniaROJapanJPFinlandFISloveniaSIDenmarkDKFaroe IslandsFOEstoniaEELiechtensteinLIÅland IslandsAXPolandPLSvalbard & Jan MayenSJCyprusCYRéunionREAustraliaAUNetherlandsNLLatviaLVMalaysiaMYFranceFRBelgiumBESpainESGreeceGRIcelandISLuxembourgLUUnited KingdomGBCanadaCAIrelandIEHong KongHKSwedenSEHungaryHUNorwayNOSingaporeSGAustriaATSwitzerlandCHSlovakiaSKItalyITLithuaniaLTCzechiaCZPortugalPTNew ZealandNZ
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

206
Papua New GuineaPGIraqIQSaudi ArabiaSASeychellesSCUgandaUGLebanonLBLiberiaLRVatican CityVADominican RepublicDOPakistanPKCongo - KinshasaCDIsle of ManIMPanamaPASomaliaSOMacaoMOTogoTGTajikistanTJBrazilBRMoroccoMAMicronesiaFMSenegalSNSt. Pierre & MiquelonPMPalestinePSSão Tomé & PríncipeSTKyrgyzstanKGFrench GuianaGFTürkiyeTRAlbaniaALCayman IslandsKYCook IslandsCKNauruNRCocos (Keeling) IslandsCCKazakhstanKZSouth AfricaZAHaitiHTJamaicaJMCambodiaKHAngolaAOBermudaBMBotswanaBWMexicoMXAntigua & BarbudaAGIndiaINThailandTHQatarQAEl SalvadorSVBeninBJTimor-LesteTLChristmas IslandCXEcuadorECSouth SudanSSMaltaMTAmerican SamoaASUkraineUABosnia & HerzegovinaBAMarshall IslandsMHMayotteYTLaosLABruneiBNBelarusBYTokelauTKChinaCNBelizeBZEgyptEGMozambiqueMZUnited Arab EmiratesAEMontserratMSFrench PolynesiaPFKenyaKEVenezuelaVEGhanaGHCuraçaoCWUruguayUYDominicaDMGuadeloupeGPSan MarinoSMIsraelILGuinea-BissauGWBritish Indian Ocean TerritoryIOGabonGASurinameSRTurkmenistanTMTanzaniaTZEthiopiaETAfghanistanAFSouth Georgia & South Sandwich IslandsGSNigerNESerbiaRSNorth KoreaKPBahrainBHIndonesiaIDHondurasHNU.S. Virgin IslandsVILesothoLSChileCLGuyanaGYDjiboutiDJNew CaledoniaNCNorthern Mariana IslandsMPBangladeshBDMauritiusMUAndorraADRwandaRWGuineaGNBarbadosBBPhilippinesPHNepalNPHeard & McDonald IslandsHMChadTDFrench Southern TerritoriesTFGuernseyGGGuamGUCape VerdeCVNigeriaNGSt. HelenaSHFijiFJCroatiaHRGambiaGMFalkland Islands (Islas Malvinas)FKPitcairn IslandsPNSt. Kitts & NevisKNVietnamVNSt. LuciaLCYemenYETurks & Caicos IslandsTCZimbabweZWGrenadaGDEritreaERUzbekistanUZU.S. Outlying IslandsUMGreenlandGLVanuatuVUGuatemalaGTTongaTOCubaCUGibraltarGISri LankaLKGeorgiaGEBoliviaBONorfolk IslandNFSint MaartenSXAntarcticaAQAlgeriaDZUnited StatesUSNamibiaNAIranIRMontenegroMEColombiaCONorth MacedoniaMKEquatorial GuineaGQMonacoMCBulgariaBGAzerbaijanAZNiueNURussiaRUSt. BarthélemyBLTunisiaTNZambiaZMArmeniaAMSyriaSYCameroonCMCôte d’IvoireCISudanSDBritish Virgin IslandsVGWallis & FutunaWFMyanmar (Burma)MMPuerto RicoPRKiribatiKIBurundiBIEswatiniSZMaliMLSolomon IslandsSBCaribbean NetherlandsBQMadagascarMGCosta RicaCRBurkina FasoBFPeruPESt. MartinMFTuvaluTVParaguayPYKuwaitKWWestern SaharaEHSt. Vincent & GrenadinesVCBhutanBTSierra LeoneSLOmanOMAnguillaAIBahamasBSLibyaLYMaldivesMVJordanJOBouvet IslandBVSamoaWSTrinidad & TobagoTTCentral African RepublicCFPalauPWArgentinaARMalawiMWMartiniqueMQNicaraguaNIComorosKMMauritaniaMRArubaAWJerseyJEMongoliaMNMoldovaMD
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：不可申请，Fiat24 及合作钱包已暂停中国大陆新用户开户；现有持卡用户不受影响，可继续使用卡片和账户服务。

2、香港：不可通过 Fiat24 官方入口新申请；现有境外发行卡可在 Mastercard 商户使用，并可绑定兼容的手机支付钱包。

3、澳门：不可通过 Fiat24 官方入口新申请；已持卡用户可用于国际线上消费，线下付款需要使用兼容的数字钱包。

4、台湾：不可通过 Fiat24 官方入口新申请；现有卡片可在 Mastercard 受理商户使用，手机钱包功能取决于设备和钱包地区。

Updated: Jul 29, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

NFC biometric passport / NFC national ID card

Review time / regional limits

Automatic ID verification takes about 3 to 10 minutes; abnormal documents enter manual compliance review.

KYC provider

ReadID Ready, Sumsub

Updated

Jul 29, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview13 scenarios
Supported12
Not supported1
UpdatedJul 29, 2026

Wallet payments

Alipay

Supported

Jul 29, 2026

Wallet payments

Apple Pay

Supported

Jul 16, 2026

Wallet payments

Apple Pay

Supported

Jul 29, 2026

Cash services

ATM withdrawal

Not supported

Jul 29, 2026

AI tools

ChatGPT

Supported

Jul 29, 2026

AI tools

Claude

Supported

Jul 29, 2026

Wallet payments

Google Pay

Supported

Jul 29, 2026

AI tools

Midjourney

Supported

Jul 29, 2026

In-person payments

Offline POS

Supported

Jul 29, 2026

Online shopping

Online shopping

Supported

Jul 29, 2026

Wallet payments

PayPal

Supported

Jul 29, 2026

Subscriptions

Subscription payment

Supported

Jul 29, 2026

Wallet payments

WeChat Pay

Supported

Jul 29, 2026

User reviews

Showing 8 approved reviews matched to this card

Newest first
The Last Red Pilltrustpilot★ 1 / 5

Do not use this crypto card service.

Do not use this crypto card service. If you use their card for payments that involve pre-authorization holds, such as hotels, deposits, rentals, or other temporary charges, you will never receive the released funds back. Even when the merchant cancels the hold or processes the refund, the money does not return to your card balance. It simply gets stuck on their side, and they never release it back to you. In practice, this means they are keeping users' money through failed refund and pre-authorization handling. Their support is almost nonexistent. There is no proper official support system, no real ticket handling, and no professional communication channel. The only visible channel is a Telegram group where users are not even allowed to send messages, which already says enough about how they handle customer issues. Even worse, when I reached out to one of their admins named "Kay," she sent me a Google Sites link that looked like a normal support page, but it was actually a phishing page designed to steal user assets. That is not a small issue. That is a major security red flag. The whole brand looks completely broken, unprofessional, and full of scam-like behavior. Maybe the most basic card function works sometimes, but everything else around refunds, support, security, and user protection is terrible.
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BANGGUO Ltrustpilot★ 1 / 5

Serious Security Flaw & Unprofessional Support - Acc #238371

I’m unable to access my account because of a lost email, and the support team just banned me from Telegram for asking for help. Scammers are everywhere in their group. I demand they close my old account #238371 and release my KYC!」
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ChikuRyuutrustpilot★ 1 / 5

Totally limited

Who build a bank system which can not pay with xsolla/google play store, I have an online payment bill settled in JPY, just show error in checkout page. Fortunately, the balance in the bank account was not "locked", because I was exchanged USDC to tokens issued by Fiat24 on the blockchain, so I paid transaction fee for take back it. Many thanks for bitget wallet.
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JCITY DREAMStrustpilot★ 1 / 5

I have money on my account my ticket…

I have money on my account my ticket number is #40852390 Nobody answer 3 month It’s scam application
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Bruce Chanttrustpilot★ 1 / 5

Support is non-existent

Support is non-existent. AI support in Telegram gets stuck in a loop constantly asking you to post things you've already posted. No replies at all to their email support that the AI tells you to use of you're not happy and their Discord support channel is utterly useless and non-responsive. The Discord channel is also rife with scammers pretending to be support and it appears that nothing is done about them (i.e. blocking them from the channel). I posted giving details about one of these in that channel, but it was totally ignored. Consequently, I have abandoned wanting to use this service altogether and would recommend other potential users to seriously think twice until they at least get their support service up to scratch. UPDATE : And now, they have simply deleted my comment in their support channel complaining about lack of support, without even acknowledging the original support request. At this stage, I would advise people to stay well clear of them.
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Qsixtrustpilot★ 1 / 5

Not only not instant SEPA, payout not received by the recipient

In the crypto era you simply can not expect people will wait for a slow -only business days- regular transfer. Update: SEPA transfer made on October 2nd within the EU not received as of October 10th. First line support is done by a Telegram chatbot, did not help. E-mail Support not answered in 24 hours. Definitely I don't recommend. Update: I requested a SEPA transfer to SEPA country and they made a TARGET2 one, eating 50€ in fees between the two sides, just atrocious. I haven't any single warning that the transfer was under TARGET which is a non-sense because it was a small amount. No reply for two weeks... December Update: No reply for two months, no fee return, no nothing...
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Portotrustpilot★ 1 / 5
Holding money without any reason!
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Risk factors

Updated: Jul 17, 2026

No risk factors are available