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TTHORWallet Card logo

THORWallet Card

Updated: Sep 15, 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.
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Card network
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
USDTUSDCBTCETHBNBSOLXRPAVAXLINKLTCBCHDAIXLMUNIUSDEUR
Last updated
Sep 15, 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.
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Company / issuer
THORWallet
Legal name
EMM Ventures AG
Registered region
Switzerland (CH)
Headquarters
Zug, Switzerland
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.

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

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
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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

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

Availability in English-Speaking Markets

1. United States：Can apply，Can use，The United States is explicitly included in THORWallet’s current global card rollout, and residents can obtain the card after completing the required identity verification.
2. United Kingdom：Can apply，Can use，UK residents are within THORWallet’s current international issuance coverage and can obtain the card after completing the required verification.
3. Canada：Can apply，Can use，Canada is included in THORWallet’s current card coverage, allowing residents to obtain the card after completing identity verification.
4. Australia：Can apply，Can use，Australian residents are included in the current global card program and can apply after completing the required identity checks.
5. South Africa：Can apply，Can use，South Africa is covered by THORWallet’s broad international card program and residents can obtain the card after completing the required verification.
6. New Zealand：Can apply，Can use，New Zealand residents are included in THORWallet’s current global issuance coverage and can obtain the card after completing identity verification.
7. Ireland：Can apply，Can use，Ireland is within THORWallet’s current card coverage and residents can obtain the card after completing the required identity verification.

Updated: Sep 15, 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

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 10 approved reviews matched to this card

Newest first
MegaSmasher Destructorgoogle_play★ 5 / 5

THORWallet - Crypto Wallet Google Play review - 5 star

love this app so far
View original
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

Risk factors

Updated: Jul 19, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does THORWallet Card require KYC?

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

Does THORWallet Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up THORWallet Card with?

Our record lists THORWallet Card support for: USDT, USDC, BTC, ETH, BNB, SOL, XRP, and AVAX (16 in total).

Is THORWallet Card a virtual or a physical card?

THORWallet Card is offered as: Virtual card.

Where is THORWallet Card available?

Our record lists 168 countries or regions as available and 30 as restricted. Country-by-country status is in the regions section of this page.

Who issues THORWallet Card?

THORWallet Card is operated by THORWallet on the Mastercard network.