Ledger
Fiat24
July 14, 2026IncidentFiat24 pauses crypto top-up and new client onboardingFrom 14 July 2026 Fiat24 stopped accepting crypto top-ups and stopped taking new clients, saying its user base and transaction volume had outgrown its compliance and support capacity. It states wire transfers, FX and P2P payments keep working, and has named no date for crypto top-up to return — which for a card funded with crypto is the part that matters.x.com
Fiat24Fiat24
MastercardVirtual onlySince 2022Asks for everythingDegraded
Before you continue. The service is partly unavailable. Some of what is described below may not work.
Swiss FINMA-licensed bank on Arbitrum — bank account NFT-issued on-chain, USDC-native with USD/EUR/CHF support, real Swiss IBAN, Mastercard debit card, Apple/Google/Samsung Pay.
Total, per $100 spent: $1.00per $100 spent
53 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.25.
Open fiat24.comNot a paid link: we earn nothing either way.
Whether to take Fiat24
In its favour
- Swiss FINMA-licensed bank
- First Web3 banking protocol fully on Arbitrum
- Multi-currency: USD/EUR/CHF + USDC default
- $0 account creation/management fees
Against it
- KYC + Swiss banking onboarding required
- Not accepting new individual/business applications as of mid-2026 (maintenance mode)
- $30,000/month transaction limit for new-tier clients
- EU-first, gradual expansion outside
Also true, in its favour
- 1.0% top-up fee (Standard tier; 0.5% Premium, 0.25% Ultimate)
- Bank account credentials minted as NFTs on Arbitrum
- Apple Pay, Google Pay, Samsung Pay
- Real Swiss IBAN included
What Fiat24 costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 1% |
| Total, per $100 spent | $1.00 |
Not published by the issuer: to spend, per payment, fixed, to spend outside the dollar, at a cash machine.
Read off fiat24.com on July 21, 2026.
$0 account creation/management. Crypto top-up fee tiered by account level: 1.0% Standard, 0.5% Premium, 0.25% Ultimate. FINMA-licensed Swiss bank — accounts as NFTs on Arbitrum. As of mid-2026 the issuer is in maintenance mode and not accepting new client applications.
KYC: what Fiat24 asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Monthly spend$30,000
Not published by the issuer: daily spend, per payment, maximum balance, cash, per day.
Confirmed on fiat24.com on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsIts own account details
Coins in2USDC, USDT
Chains2Arbitrum, Ethereum
Closed to residents of 4 countries, according to the issuer's own terms.
- Iran
- North Korea
- Russia
- United States
The other flaws
- US persons not supported
What has changed
1 recorded changes, the most recent on July 14, 2026. Each carries the page we read it on.
How we checked this
Thirteen fields are tracked for every service. 9 of them carry a figure we read off fiat24.com on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Issuance · Monthly · Spending limits · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating statusSeptember 11, 2026
- Terms
- Countries closed
- The issuer does not publish
- Currency conversion · Per-payment charge · Cash machine charge · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open fiat24.comNot a paid link: we earn nothing either way.
Alternatives to Fiat24
Costs $2.00 more per $100 — the price of the difference.
Zoomex CardZoomex CardMastercardVirtual onlyAsks for everythingOperational1% when you load, plus 2% outside the dollar. 1 fee field is not published.AG12 Sept$3.00per $100 spent
Zoomex CardZoomex CardMastercardVirtual onlyAsks for everythingOperational1% when you load, plus 2% outside the dollar. 1 fee field is not published.AG12 Sept$3.00per $100 spentTakes $0.90 less on every $100 spent.
Wenia CardWenia CardMastercardVirtual onlyAsks for everythingOperationalFree to load. $0.10 fixed.AG21 Jul$0.10per $100 spent
Wenia CardWenia CardMastercardVirtual onlyAsks for everythingOperationalFree to load. $0.10 fixed.AG21 Jul$0.10per $100 spent