Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$1.20/$100
Take it?CostsAsks forLimitsWhere it worksFlawsWhat has changedHow we checkedAlternatives
Ledger
SafePal Card

SafePal Card

MastercardVirtual and plasticSince 2024
Asks for everythingOperational

Crypto Mastercard from SafePal hardware wallet — backed by Fiat24 Swiss bank stake, free SafePal X1 hardware wallet on signup, USDC-native with Swiss IBAN, Apple/Google/PayPal/Samsung Pay.

Total, per $100 spent: $1.20per $100 spent

78 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.25.

Open safepal.comNot a paid link: we earn nothing either way.

Whether to take SafePal Card

In its favour

  • From hardware wallet maker SafePal — strategic Fiat24 investment
  • Mastercard, linked to a Swiss IBAN account
  • USDC default deposit currency, swap any crypto
  • Swiss bank account included (via Fiat24)

Against it

  • 1% currency-exchange fee on non-USD Mastercard transactions
  • Spread on crypto swaps
  • Full KYC via Fiat24 Swiss bank
  • US not supported

Also true, in its favour

  • Free SafePal X1 hardware wallet ($69.99 value) on signup
  • Apple/Google/PayPal/Samsung Pay supported
  • 0.2% swap/cross-chain fee
  • 0% top-up/deposit fee under current waiver program
  • Live in 60+ countries and regions

What SafePal Card costs

ChargeWhat it costs
To get the card
To issue the card$0.00
Monthly$0.00
To put money in
To load0%
To spend it
To spend0.2%
To spend outside the dollar1%
Total, per $100 spent$1.20

Not published by the issuer: per payment, fixed, at a cash machine.

Read off safepal.com on July 21, 2026.

0% account creation/management. Standard top-up/deposit fee is 0% under SafePal's current fee-waiver program. 1% currency-exchange fee on Mastercard transactions settled in non-USD currencies. 0.2% swap/cross-chain fee. Free SafePal X1 hardware wallet on signup ($69.99 value). Powered by Swiss bank Fiat24 (FINMA-licensed). USDC default; swap any crypto in-app. Mastercard (SafePal's earlier Visa card has been superseded by the Mastercard product).

KYC: what SafePal Card 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$100,000

Not published by the issuer: daily spend, per payment, maximum balance, cash, per day.

Confirmed on safepal.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 in4USDC, USDT, BTC, ETH
Chains3Arbitrum, Ethereum, BSC

Closed to residents of 1 countries, according to the issuer's own terms.

  • United States

The other flaws

  • Newer card product (2024 launch)

What has changed

1 recorded changes, the most recent on March 17, 2026. Each carries the page we read it on.

March 17, 2026VerifiedSafePal integrates Polymarket for prediction marketsOn March 17, 2026, SafePal launched an integration with Polymarket, letting SafePal mobile and hardware wallet users explore crypto prediction markets securely from within the app — alongside the existing Mastercard.safepal.com

How we checked this

Thirteen fields are tracked for every service. 11 of them carry a figure we read off safepal.com on July 21, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Cash machine charge · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open safepal.comNot a paid link: we earn nothing either way.

Alternatives to SafePal Card

Its issuer publishes nothing to compare on price.Swissquote Debit MastercardSwissquote Debit MastercardMastercardVirtual and plasticAsks for everythingOperationalPublishes 4 of five fee fields — not enough to price.AG12 Septnot published
Costs $0.30 more per $100 — the price of the difference.Mine CardMine CardMastercardVirtual and plasticAsks for everythingOperational1.5% outside the dollar. 1 fee field is not published.AG7 Sept$1.50per $100 spent
Costs $1.75 more per $100 — the price of the difference.Bit2Me CardBit2Me CardMastercardVirtual and plasticAsks for everythingOperationalFree to load. 2% outside the dollar, plus $0.95 fixed.AG21 Jul$2.95per $100 spent