UCard Radar
Risk alerts

Card database / Mastercard / Crypto debit card

TTHORWallet Card logo

THORWallet Card

Updated: Aug 4, 2026

The THORWallet Card is a crypto asset payment card offered by the THORWallet self-custodial multichain wallet. Users retain their wallet private keys, can top up the card from their wallet balance, and can spend at online and in-store merchants that accept Mastercard. The current products include a Basic virtual card, a Premium virtual card and physical card, and a multicurrency virtual card connected to a personal Swiss IBAN. Premium offers USDC spending cashback, while the Swiss IBAN supports incoming and outgoing payments and SEPA transfers. It is suitable for users who need to combine crypto assets, card spending, and cross-border account services.
Submit usage feedback
Card network
Mastercard
Product type
Crypto debit 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 / BTC / ETH / BNB / SOL / XRP / AVAX / LINK / LTC / BCH / DAI / XLM / UNI / USD / EUR
Last updated
Aug 4, 2026

Official and company information

Issuer identity and company credentials

THORWallet (thorwallet.org) is a self-custodial Web3 wallet headquartered in Switzerland, integrating core decentralized finance (DeFi) functions with the convenience of traditional finance. Here are its core features: Cross-chain asset trading: Based on the THORChain protocol, it allows users to directly swap native assets across different blockchains (e.g., Bitcoin, Ethereum, Solana) without using third-party bridge tokens, effectively avoiding cross-chain bridge security risks. Self-custodial security: The wallet operates in a non-custodial mode, with users fully controlling private keys and asset ownership. The platform itself does not hold any funds; assets are stored entirely in an encrypted enclave on the user's device. Swiss compliance background: Operated by Swiss entity EMM Ventures AG, its product design and terms of service operate within Switzerland's rigorous financial legal framework, providing a degree of endorsement for security-conscious users. Multi-functional integration: Beyond basic wallet functions, it supports liquidity mining, asset staking, and fiat-to-crypto on/off ramps through integrated third-party services.
Visit website Application page
Company / issuer
THORWallet
Legal name
EMM Ventures AG
Registered region
Switzerland (CH)
Headquarters
Original瑞士，楚格
Company type
Program manager
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

THORWallet itself is a non-custodial wallet, and users' crypto assets are held at wallet addresses under their control. With Basic or Premium, users must convert supported crypto assets into card settlement assets within the app and then top up the card balance. The card does not automatically debit tokens directly from other chains. Basic is a USD virtual card intended for online spending. Premium adds a physical card, USDC cashback, and priority support, and can be used for in-store payments and ATM withdrawals. Swiss IBAN, provided by Fiat24, offers a personal Swiss account, SEPA transfers, and a multicurrency Mastercard supporting CHF, EUR, USD, and RMB, with transactions debited from the corresponding fiat account. Basic and Premium claim coverage in more than 175 countries and regions, but eligibility is still determined by residence, KYC, sanctions screening, and issuer rules.
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

THORWallet Basic Card
THORWallet Premium Card
THORWallet Swiss Banking（Fiat24）
Card formVirtual cardVirtual cardVirtual card
Fees
Monthly fee
Free
No subscription fees
Free
One-time payment, no subscription.
Free
No monthly or subscription fee
Card issuance fee
5 USD
Card issuance fee waived with valid invite code
124 USD
Invite code price: $99.
Free
Provided free
ATM fee
1 USD
$1 per domestic withdrawal, $5 per international withdrawal
1 USD
$1 domestic, $5 international, charged per withdrawal.
—
Foreign exchange fee
1.5%
Added on top of network exchange rate
0 USD
Within Switzerland, lower than for overseas transactions.
1%
Multi-currency card exchange
Top-up fee
Free
Zero card top-up fees
Free
Zero card top-up fees.
0.25%
Charged by account tier, rate 0.25%–1%
Failed transaction fee———
Rewards
Cashback———
Crypto cashback—
0.5%
First $5,000 spent per month.
—
Staking rewards———
Staking APR———
Welcome bonus
5 USD
$5 card issuance fee waived, requires valid invite code
25 USD
Instant discount with valid invite code.
—
Referral bonus
25 USD + 0.2%
Up to $25 and 0.2%, paid monthly after first transaction
25 USD + 0.2%
Paid monthly after first transaction.
—
Limits
Daily spending limit
62,500 USD
Daily POS cumulative limit
62,500 USD
Daily POS cumulative limit.
—
Monthly spending limit
125,000 USD
Monthly POS cumulative limit
125,000 USD
Increase can be requested after review.
10,000,000 USD
Account tier determines limit
ATM withdrawal limit
3,125 USD
$3,125 per transaction, $12,500 per day, $25,000 per month
3,125 USD
$3,125 per transaction, $12,500 per day, $25,000 per month, calculated per transaction, daily, and monthly.
—
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

168
BruneiBNIrelandIEBeninBJGeorgiaGEKyrgyzstanKGPuerto RicoPRSomaliaSOMoroccoMAUnited StatesUSPanamaPAMaltaMTHong KongHKLiberiaLRSt. LuciaLCHungaryHUMacaoMOLesothoLSNorwayNOLiechtensteinLIBosnia & HerzegovinaBAQatarQAFranceFRCzechiaCZAlbaniaALDjiboutiDJTanzaniaTZEritreaERGermanyDEGrenadaGDBotswanaBWBurundiBIIndiaINPhilippinesPHUnited Arab EmiratesAETrinidad & TobagoTTSierra LeoneSLZimbabweZWAndorraADMoldovaMDNew ZealandNZEl SalvadorSVGuineaGNSt. Vincent & GrenadinesVCSerbiaRSComorosKMIndonesiaIDBangladeshBDSaudi ArabiaSACuraçaoCWBermudaBMMauritiusMUPortugalPTTuvaluTVJordanJODominicaDMGibraltarGICentral African RepublicCFMadagascarMGAustraliaAURomaniaROPapua New GuineaPGSenegalSNSloveniaSIIsraelILDenmarkDKSwedenSELithuaniaLTFinlandFICroatiaHRSingaporeSGItalyITBelizeBZChileCLEthiopiaETTongaTOCayman IslandsKYSurinameSRJapanJPArgentinaARTaiwanTWNauruNRGreeceGRMarshall IslandsMHPalauPWAzerbaijanAZUgandaUGSeychellesSCSt. Kitts & NevisKNPeruPEJamaicaJMNetherlandsNLKuwaitKWLibyaLYSão Tomé & PríncipeSTCanadaCATurkmenistanTMGambiaGMMexicoMXTürkiyeTREstoniaEEBarbadosBBSpainESMaldivesMVGuernseyGGVanuatuVUDominican RepublicDORwandaRWHondurasHNKazakhstanKZJerseyJESudanSDSwitzerlandCHIsle of ManIMSan MarinoSMIraqIQUkraineUAColombiaCOCyprusCYTogoTGKiribatiKINicaraguaNIEquatorial GuineaGQTurks & Caicos IslandsTCZambiaZMLuxembourgLUSolomon IslandsSBAnguillaAIThailandTHMalaysiaMYMongoliaMNSlovakiaSKAustriaATMauritaniaMRSri LankaLKGhanaGHMaliMLUnited KingdomGBIcelandISCambodiaKHPakistanPKEcuadorECArmeniaAMEgyptEGParaguayPYPolandPLBahrainBHUzbekistanUZTajikistanTJNorth MacedoniaMKFijiFJUruguayUYNiueNUGuyanaGYVatican CityVABahamasBSCosta RicaCRGabonGABelgiumBEChadTDGuinea-BissauGWAntigua & BarbudaAGMontserratMSTimor-LesteTLCubaCULatviaLVArubaAWAfghanistanAFTunisiaTN
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

30
BelarusBYCongo - KinshasaCDYemenYESouth AfricaZANigeriaNGCôte d’IvoireCINepalNPNamibiaNAMozambiqueMZSyriaSYVenezuelaVEBulgariaBGKenyaKEBoliviaBORussiaRUVietnamVNHaitiHTIranIRSouth SudanSSAlgeriaDZChinaCNBritish Virgin IslandsVGMyanmar (Burma)MMAngolaAOCameroonCMLaosLALebanonLBBurkina FasoBFNorth KoreaKPMonacoMC
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：中国大陆居民当前不可申请 Basic 或 Premium；Swiss IBAN 暂停新开户，已有 Mastercard 可在支持境外卡的商户、平台和 ATM 使用。

2、香港：中国香港居民可申请 Basic 或 Premium 并完成 KYC；卡片可用于线上购物、移动支付、线下 Mastercard 商户和 ATM 取现。

3、澳门：中国澳门居民可申请 Basic 或 Premium；虚拟卡适合线上支付，Premium 实体卡可在 Mastercard 商户刷卡及取现。

4、台湾：中国台湾居民可申请 Basic 或 Premium；已激活卡片可用于支持 Mastercard 的线上订阅、线下消费和 ATM 取现。

Updated: Aug 4, 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

Passport / Government-issued ID / Biometric passport / Chinese resident ID card / Proof of address

Review time / regional limits

Automatic review takes about a few minutes; manual compliance review may extend to three days.

KYC provider

Unblock (Atomo Sàrl), Fiat24 (SR Saphirstein AG)

Updated

Aug 4, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 4, 2026

Wallet payments

Alipay

Supported

Aug 4, 2026

Wallet payments

Apple Pay

Supported

Aug 4, 2026

Cash services

ATM withdrawal

Supported

Aug 4, 2026

AI tools

ChatGPT

Supported

Aug 4, 2026

AI tools

Claude

Supported

Aug 4, 2026

Wallet payments

Google Pay

Supported

Aug 4, 2026

AI tools

Midjourney

Supported

Aug 4, 2026

In-person payments

Offline POS

Supported

Aug 4, 2026

Online shopping

Online shopping

Supported

Aug 4, 2026

Wallet payments

PayPal

Supported

Aug 4, 2026

Subscriptions

Subscription payment

Supported

Aug 4, 2026

Wallet payments

WeChat Pay

Supported

Aug 4, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
isntworkdullgoogle_play★ 5 / 5

THORWallet - Crypto Wallet Google Play review - 5 star

been using this app for years, never had any issue. (Drops mic)
View original
black nickgoogle_play★ 1 / 5

THORWallet - Crypto Wallet Google Play review - 1 star

you are trying to spy on me?
View original
chinonso onyiagoogle_play★ 5 / 5

THORWallet - Crypto Wallet Google Play review - 5 star

fantastic and reliable
View original
maurice Hgoogle_play★ 1 / 5

THORWallet - Crypto Wallet Google Play review - 1 star

never use for crypto wallet so I can't say how this app is honestly much as a person that's in my phone
View original
chinonso Gabriel (NONI)google_play★ 5 / 5

THORWallet - Crypto Wallet Google Play review - 5 star

fantastic app and reliable service 👏
View original
tokenwiz8app_store★ 5 / 5

Profit USDC from swaps

ThorWallet has been a very reliable app and the average person profiting from swaps is the future.
View original
Tony Greengoogle_play★ 5 / 5

THORWallet - Crypto Wallet Google Play review - 5 star

They're amazing this is great!
View original
Bojan S.google_play★ 1 / 5

THORWallet - Crypto Wallet Google Play review - 1 star

I had rated this app 5*, but after using it for a while I realized it's total BS! Adding liquidity to the pools failed MISERABLY; they refunded but LESS than I had invested and tried to convince me otherwise! I also bought some items in their "reward" game but instead of charging me with discount-they charged the full price. Support said they will refund, but never did! Closed my support ticket without resolving any of the issues,disappeared from Discord, and the "Support" link now doesn't work!
View original
Robert Davidgoogle_play★ 4 / 5

THORWallet - Crypto Wallet Google Play review - 4 star

a top tier crypto app, providing all basic controls for all popular asets and blockchaind, as well as access to tje card. i look forward to see it grow and improve.
View original
dgtlcaliapp_store★ 5 / 5

Few

Best in the defi game, if you know then you know 👻
View original

Risk factors

Updated: Jul 19, 2026

No risk factors are available