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Ur Card

Updated: Aug 19, 2026

UR Mastercard Debit Card is a multi-currency virtual Mastercard debit card offered by Swiss fintech institution SR Saphirstein AG and linked to the user's UR fiat accounts and digital asset wallet. Users can spend balances held in EUR, CHF, USD, HKD, SGD, JPY, CNH, and other currencies, or directly fund eligible transactions with USDe. The card is suitable for international online purchases and mobile payments, and supports Apple Pay, Google Pay, Samsung Pay, Alipay, and WeChat Pay.
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Card network
Mastercard
Product type
Stablecoin payment card
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
90-99
Supported assets
USDT / USDC / ETH / LINK / UNI
Last updated
Aug 19, 2026

Official and company information

Issuer identity and company credentials

UR is a stablecoin and fiat financial infrastructure and account product operated by SR Saphirstein AG, a licensed financial institution in Switzerland. It offers multi-currency accounts, Swiss IBAN, SEPA, SWIFT, stablecoin-to-fiat conversion, cross-border transfers, API access, and Mastercard virtual cards. It provides a unified account app for individual users, while also offering embedded account and payment infrastructure to wallets, developers, and financial platforms.
Visit website Application page
Company / issuer
UR
Legal name
SR Saphirstein AG
Registered region
Switzerland (CH)
Headquarters
Zurich, Switzerland
Company type
Issuer
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

UR combines a personal Swiss IBAN, multi-currency fiat accounts, a digital asset wallet, asset conversion, and Mastercard payments in one account. UR Card is currently available only as a virtual card, with no physical card issued, and can be activated after completing KYC and depositing at least 1 EUR or 1 CHF into the account. When a purchase is made, the system first deducts funds from the balance matching the transaction currency. If that balance is insufficient, it automatically uses other enabled currencies and performs foreign exchange conversion. Users can also set USDe on the Mantle network as a funding source for card payments, allowing eligible purchases to be completed automatically with USDe when the USD balance is insufficient. Payments at physical merchants are mainly made through mobile wallets such as Apple Pay and Google Pay. ATM cash withdrawals are currently not supported.
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

UR Mastercard debit card
Card formVirtual card
Fees
Monthly fee
Free
Basic account includes card
Card issuance fee—
ATM fee—
Foreign exchange fee
2%
Charged based on settlement currency and balance, ranging from 0% to 2%
Top-up fee
Free
No platform fee for digital asset deposits
Failed transaction fee—
Rewards
Cashback—
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit
2,000 EUR
Basic to Pro limits, ranging from 2,000 to 10,000 EUR
Monthly spending limit
5,000 EUR
Basic to Pro limits, ranging from 5,000 to 20,000 EUR
ATM withdrawal limit—
Card network

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

46
GreeceGRFaroe IslandsFOCanadaCASlovakiaSKAustraliaAUSpainESFranceFRSouth KoreaKRNew ZealandNZAustriaATHong KongHKUnited KingdomGBRéunionRERomaniaROMalaysiaMYTaiwanTWBelgiumBELiechtensteinLIDenmarkDKHungaryHUSingaporeSGBulgariaBGGermanyDELithuaniaLTLuxembourgLUIcelandISBrazilBRSwedenSESwitzerlandCHPolandPLNetherlandsNLNorwayNOSvalbard & Jan MayenSJLatviaLVUnited Arab EmiratesAEFinlandFICyprusCYEstoniaEEJapanJPÅland IslandsAXItalyITSloveniaSICroatiaHRPortugalPTIrelandIECzechiaCZ
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

198
ChinaCNAntarcticaAQIranIRSt. MartinMFGuinea-BissauGWAmerican SamoaASGibraltarGIMartiniqueMQBahrainBHGabonGACubaCUSri LankaLKU.S. Outlying IslandsUMCongo - BrazzavilleCGVietnamVNCayman IslandsKYUnited StatesUSMontenegroMEUgandaUGAlbaniaALTanzaniaTZVenezuelaVEGreenlandGLPeruPENauruNRLesothoLSChristmas IslandCXPuerto RicoPRRwandaRWChadTDSomaliaSOSt. BarthélemyBLBangladeshBDMoroccoMAAlgeriaDZTimor-LesteTLAngolaAOUruguayUYMaltaMTNepalNPCape VerdeCVFrench PolynesiaPFSt. Kitts & NevisKNBosnia & HerzegovinaBAQatarQAEritreaERBritish Virgin IslandsVGIndonesiaIDOmanOMSt. HelenaSHBurundiBIKuwaitKWComorosKMMyanmar (Burma)MMColombiaCOKiribatiKILiberiaLRArubaAWGhanaGHMexicoMXLaosLASaudi ArabiaSABelarusBYSt. LuciaLCGeorgiaGEThailandTHAntigua & BarbudaAGNorth KoreaKPRussiaRUTürkiyeTRNigerNESeychellesSCIsle of ManIMSolomon IslandsSBSyriaSYEcuadorECGuamGUWestern SaharaEHCook IslandsCKAfghanistanAFSamoaWSNigeriaNGJamaicaJMSão Tomé & PríncipeSTTogoTGUkraineUAGuadeloupeGPDominicaDMKenyaKECentral African RepublicCFAzerbaijanAZHaitiHTPanamaPAGuernseyGGFrench Southern TerritoriesTFPakistanPKCuraçaoCWBurkina FasoBFKazakhstanKZSt. Vincent & GrenadinesVCPapua New GuineaPGEthiopiaETSierra LeoneSLMacaoMOSint MaartenSXTrinidad & TobagoTTDominican RepublicDOSurinameSRWallis & FutunaWFYemenYEGrenadaGDHeard & McDonald IslandsHMMaldivesMVMongoliaMNCameroonCMNiueNUTajikistanTJGuyanaGYVanuatuVUEgyptEGIsraelILChileCLBeninBJTongaTOMadagascarMGJerseyJESan MarinoSMTurks & Caicos IslandsTCPalauPWBermudaBMNorthern Mariana IslandsMPIndiaINBouvet IslandBVAnguillaAISenegalSNMoldovaMDMonacoMCBruneiBNEswatiniSZBritish Indian Ocean TerritoryIONew CaledoniaNCTokelauTKCambodiaKHNamibiaNANicaraguaNIPitcairn IslandsPNMalawiMWMauritaniaMRKyrgyzstanKGTuvaluTVArgentinaARDjiboutiDJParaguayPYTurkmenistanTMGuatemalaGTZambiaZMBhutanBTBarbadosBBCosta RicaCRIraqIQSouth Georgia & South Sandwich IslandsGSLebanonLBLibyaLYArmeniaAMCongo - KinshasaCDAndorraADBahamasBSHondurasHNFrench GuianaGFMayotteYTU.S. Virgin IslandsVIPhilippinesPHZimbabweZWNorfolk IslandNFMozambiqueMZTunisiaTNFijiFJMarshall IslandsMHFalkland Islands (Islas Malvinas)FKUzbekistanUZMaliMLNorth MacedoniaMKJordanJOBelizeBZCôte d’IvoireCIBoliviaBOMauritiusMUSerbiaRSSouth SudanSSEl SalvadorSVMontserratMSVatican CityVASudanSDEquatorial GuineaGQBotswanaBWSouth AfricaZAGambiaGMGuineaGN
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：中国大陆自 2026 年 7 月最新地区规则起已列为不支持开户地区，居民不可按大陆居住身份申请；中国未列入支付禁止国家，已持卡用户仍可在符合 Mastercard 规则的商户使用。

2、香港：中国香港属于 UR 支持开户地区，符合身份、居住及 KYC 条件的居民可申请；卡片支持 HKD 余额并可用于 Mastercard 线上商户及移动钱包线下消费。

3、澳门：中国澳门已列入当前不支持开户地区，因此澳门居民不可按当地居住身份申请；澳门未列入支付禁止名单，已有 UR 卡仍可在支持 Mastercard 的消费场景使用。

4、台湾：中国台湾属于当前支持开户地区，合资格居民可完成 KYC 并申请虚拟卡；卡片可用于线上 Mastercard 商户以及 Apple Pay、Google Pay 等移动支付场景。

Updated: Aug 19, 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

NoNot required

Accepted documents

Biometric passport / Eligible NFC-enabled national ID card / Tax document / Government agency certificate / Voter registration document / Telecom bill / Utility bill

Review time / regional limits

Normal identity verification takes about fifteen minutes; when additional compliance checks are required, it takes up to about three business days.

KYC provider

Sumsub

Updated

Aug 19, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedAug 19, 2026

Wallet payments

Alipay

Supported

Aug 19, 2026

Wallet payments

Apple Pay

Supported

Aug 19, 2026

Cash services

ATM withdrawal

Not supported

Aug 19, 2026

AI tools

ChatGPT

Supported

Aug 19, 2026

AI tools

Claude

Supported

Aug 19, 2026

Wallet payments

Google Pay

Supported

Aug 19, 2026

AI tools

Midjourney

Supported

Aug 19, 2026

In-person payments

Offline POS

Supported

Aug 19, 2026

Online shopping

Online shopping

Supported

Aug 19, 2026

Wallet payments

PayPal

Supported

Aug 19, 2026

Subscriptions

Subscription payment

Supported

Aug 19, 2026

Wallet payments

WeChat Pay

Supported

Aug 19, 2026

User reviews

Showing 9 approved reviews matched to this card

Newest first
Redredgoogle_play★ 5 / 5

UR: Your Go-To Unified Account Google Play review - 5 star

UR team is actively building the ecosystem. NFC passport scan issue has been fixed.
View original
Filip Kalnýgoogle_play★ 1 / 5

UR: Your Go-To Unified Account Google Play review - 1 star

Requires scanning NFC tag in passport to verify identity to open account, but the app's NFC scanning is broken (makes the NFC scan SFX but app does nothing). Unusable.
Official reply
尊敬的用户，你好。 NFC 近期会有大的升级，可靠性会好多，预计 3.1.1 版本发布修复
View original
Alex Yaogoogle_play★ 1 / 5

UR: Your Go-To Unified Account Google Play review - 1 star

I can't scan my passport. It just didn't work. I tried two phones. So terrible experience.
Official reply
尊敬的用户，你好。 NFC 近期会有大的升级，可靠性会好多，预计 3.1.1 版本发布修复
View original
rebelSciencegoogle_play★ 1 / 5

UR: Your Go-To Unified Account Google Play review - 1 star

KYC is totally broken. Passport NFC scanning does not work. Very badly designed app. I would avoid using it as if they can't even program proper on-boarding, how do they store your personal data too? Use Gnosis Pay or Ready instead.
Official reply
尊敬的用户，你好。 NFC 近期会有大的升级，可靠性会好多，预计 3.1.1 版本发布修复
View original
--google_play★ 1 / 5

UR: Your Go-To Unified Account Google Play review - 1 star

unsupported countries, not upfront about it
View original
Jol inapp_store★ 5 / 5

sleek and smooth, great app!

new user of the app and really liked the design of it. Very smooth and sleek. Thank you dev team 5/5⭐️
View original
张海波google_play★ 5 / 5

UR: Your Go-To Unified Account Google Play review - 5 star

It's wonderful for crypto shopping. It's a very nice user experience
View original
0xURapp_store★ 5 / 5

UR who you are

Absolutely love this app! The Crypto and Fiat features are simply flawless – beautifully designed, super intuitive, and lightning-fast. Whether it’s a crypto trade or a fiat payment, everything is completed in seconds with a smooth and secure experience. Every time I use it, I’m impressed all over again. Truly a hidden gem that more people should know about!
View original
enticxapp_store★ 5 / 5

Love it

Love the design and I’m able to convert crypto to multiple fiat currency and spend it with Mastercard!
View original

Risk factors

Updated: Aug 19, 2026

No risk factors are available