TL;DR.Fiat24 is a Mastercard crypto debit card (Virtual, KYC: Full KYC). Cost per $100 spent: $1. Top-up fee 1%, FX fee not disclosed. Wallet support: Apple Pay + Google Pay. Status: Issues reported. Last verified: July 21, 2026.
CARD PROFILE · FULL KYC
Fiat24.
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.
Before you continue. Users are reporting problems with this service — withdrawals, support or card delivery. Check current reports before depositing funds.
Cost / $100
$1.00
Top-up fee
1%
Network
Mastercard
Card type
Virtual
IBAN
Yes
Monthly limit
$30,000
Status
Issues reported
Pros.
- +Swiss FINMA-licensed bank
- +First Web3 banking protocol fully on Arbitrum
- +Multi-currency: USD/EUR/CHF + USDC default
- +$0 account creation/management fees
- +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
Cons.
- −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
- −US persons not supported
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
1%
Transaction fee
—
FX fee
—
Issuance
Free
Monthly
Free
Cost / $100
$1.00
$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.
COVERAGE
Where it works.
Supported coins
USDCUSDT
Chains
ArbitrumEthereum
Use cases
Online · IRL
Blocked countries
USIRKPRU
WALLETS
Apple PayYes
Google PayYes
ATMNo
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
—/100
Verified July 21, 2026
ALTERNATIVES