Mine Card.
A Swiss IBAN in your own name attached to a balance that is actually USDC in your own wallet: money arrives by SEPA, settles on-chain, and a Mastercard converts it at the moment of purchase — Mine never custodies a cent, so nobody can freeze it.
Pros.
- +Self-custody is the default, not a setting — your balance is USDC in a wallet only you control
- +A real Swiss IBAN in your own name, in CHF and EUR — incoming money settles as USDC in your wallet
- +0% card top-up fee on both tiers
- +Mastercard accepted in 175+ countries, and the card itself works in the US
- +High limits out of the box: $25,000 per transaction, $62,500 daily, $125,000 monthly
- +Real ATM access — $3,125 per withdrawal, $12,500 daily, $25,000 monthly
- +Premium tier pays 0.5% USDC cashback on up to $5,000 of card spend per month
- +Optional 5% yield via Aave V3, off by default and non-custodial
- +If Mine shuts down your funds keep working — they cannot freeze what they do not hold
- +First 500 CHF or EUR convert to USDC free, as a lifetime allowance
Cons.
- −The account, IBAN and conversion services are not available to US persons or Russian citizens, regardless of where you live
- −Card FX markup is a range, 0.5%–1.5% depending on country — you do not know your rate until you see it
- −Invite-only: every member holds just three codes
- −Virtual card costs $5 one-off without a valid invite code
- −Premium costs $124 one-off, and Metal and Private tiers are still only 'announced soon'
- −Only USDC is supported — no BTC, ETH or other stablecoins as a balance
- −The blockchain the USDC balance settles on is not published
- −Lose the seed and your backups and Mine cannot recover the funds for you — that is what non-custodial means
- −Conversion pricing above the free 500 allowance is not published as a number
- −No launch year or track record published
Detailed fee breakdown.
Card top-up is 0% on both tiers. The virtual card is free with a valid invite code, otherwise $5 one-off; Premium is $124 one-off and adds a physical card plus 0.5% USDC cashback on up to $5,000 of spend per month. Card FX markup is 0.5%–1.5% depending on country — the figure shown here is the worst case. Limits are identical on both tiers: $25,000 per transaction, $62,500 daily and $125,000 monthly at point of sale, plus $3,125 per ATM withdrawal, $12,500 daily and $25,000 monthly. Premium members can request higher or unlimited limits. Your first 500 CHF or EUR convert to USDC free as a lifetime allowance; pricing above that is shown in the app but not published.