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FFiat24 Card logo

Fiat24 Card

Updated: Sep 18, 2026

The Fiat24 Debit Card is a Mastercard debit card directly linked to a Fiat24 multi-currency cash account. Users utilize their Fiat24 NFT—held in an Arbitrum wallet—as their account identity and access credential, while the card draws funds directly from account balances held in currencies such as EUR, USD, CHF, or RMB; crypto assets must first be converted into a fiat balance via the "Crypto Top-up" feature before they can be used within the card's payment system.
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Card network
Product type
Crypto-friendly bank account card
Card form
Virtual card
Operating status
Paused
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDTUSDCETHUSDEURGBPCHCHF
Last updated
Sep 18, 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.
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Company / issuer
Fiat24
Legal name
SR Saphirstein AG
Registered region
Switzerland (CH)
Headquarters
Zurich, Switzerland
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Fiat24’s structure differs from that of standard exchange-issued cards: an external Web3 wallet serves primarily to handle identity signing and hold the Fiat24 NFT—which corresponds to the user's Fiat24 account—while the card connects directly to the multi-currency cash balance within that account rather than deducting funds directly from arbitrary crypto assets in the wallet. Users can top up their cash balance via bank transfer or by selling supported crypto assets from the same wallet address; the system converts these assets and credits the proceeds to the Fiat24 fiat currency account. Currently, only virtual cards are available. Fiat24 is presently in maintenance mode; while the acceptance of new account applications has been officially suspended, services for existing accounts and cards remain operational.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when 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
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

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

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Fiat24 does not accept U.S. Persons for individual accounts, while an existing valid Fiat24 Mastercard can be used at supported U.S. merchants.
2. United Kingdom：Cannot apply，Can use，The United Kingdom is normally within Fiat24’s supported residency coverage, but Fiat24 is currently in maintenance mode and is not accepting new applications; existing cards remain usable at supported merchants.
3. Canada：Cannot apply，Can use，Canada is normally an eligible Fiat24 country, but new account applications are currently suspended during maintenance; an existing valid card can still be used in Canada.
4. Australia：Cannot apply，Can use，Australia is included in Fiat24’s normal service coverage, but new onboarding is currently paused; existing Fiat24 cards can still be used at supported Mastercard merchants.
5. South Africa：Cannot apply，Can use，South Africa is not included in Fiat24’s current eligible-country list, but a valid card issued to an eligible user can be used at supported merchants in the country.
6. New Zealand：Cannot apply，Can use，New Zealand is normally supported for Fiat24 onboarding, but new applications are currently suspended during maintenance; existing cards remain usable locally.
7. Ireland：Cannot apply，Can use，Ireland is normally an eligible Fiat24 country, but Fiat24 is currently not accepting new applications; an existing valid card can continue to be used at supported merchants.

Updated: Sep 16, 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

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

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.
View original
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!」
View original
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.
View original
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
View original
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...
View original
Portotrustpilot★ 1 / 5
Holding money without any reason!
View original

Risk factors

Updated: Jul 17, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Fiat24 Card require KYC?

Our record lists the Fiat24 Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Fiat24 Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Fiat24 Card with?

Our record lists Fiat24 Card support for: USDT, USDC, ETH, USD, EUR, GBP, and CHF.

Is Fiat24 Card a virtual or a physical card?

Fiat24 Card is offered as: Virtual card.

Where is Fiat24 Card available?

Our record lists 41 countries or regions as available and 206 as restricted. Country-by-country status is in the regions section of this page.

Who issues Fiat24 Card?

Fiat24 Card is operated by Fiat24 on the Mastercard network.