Fiat24 Card
by Fiat24
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- ID verification
- Card
- Virtual
- Phone pay
- No
Our verdict
Fiat24 gives access to a Swiss IBAN with on-chain transparency, regulated by FINMA with funds placed at the Swiss central bank. It suits Europeans wanting a Swiss account without the usual bank paperwork.
What we like
- +Swiss IBAN under FINMA regulation
- +Deposits held at the Swiss central bank for top security
- +EUR, CHF, USD and RMB currencies
- +SEPA, SIC and SWIFT payment networks
- +Daily spending limit of 9,800 EUR
Watch out for
- −No cashback or rewards
- −Virtual card only
- −Works only on the Arbitrum network
- −Crypto deposit fees of 1-1.75% plus gas
- −Fiat transfers only to your own personal accounts
7.4/10
Editor score
Good
5.0/10
User rating
Based on 28 sources
Lv 3
KYC Level
ID verification
Global
Availability
4 countries excluded
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- Free
- Top-up Fee
- Free
- Decline Fee
- —
Limits
- Daily Spend
- $9,800
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Virtual Card
- Card Network
- Mastercard
- Apple Pay
- —
- Google Pay
- —
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
5.0/10
Sourced from
Fiat24 earns respect for its NFT-based Swiss banking model on Arbitrum, FINMA backing and smooth Apple Pay and Google Pay support. Criticism is heavy. Users call the KYC extremely invasive, involving an ePassport NFC scan, GPS location and Sumsub biometrics, and say standard-tier fees are regressive, with a 1% crypto top-up fee plus mandatory ETH gas. Trustpilot and forums describe a support collapse, with funds frozen by automated compliance and emails unanswered for more than 90 days. Monthly transactions are capped at $1,000 in many emerging markets, including Georgia, Turkey and Argentina, and a January 2025 ban on third-party bank deposits for standard users hurts freelancers. It fits wealthy, crypto-savvy EEA residents with NFC phones who can pay for premium NFT tiers.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Arbitrum
Frequently asked questions
Does the Fiat24 Card require KYC?
Yes. Fiat24 asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Fiat24 Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Fiat24 Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the Fiat24 Card?
It is available in most countries, except China, United Kingdom, Russia, United States.
Which cryptocurrencies does the Fiat24 Card support?
USDC, USDT, ETH.
Last updated August 19, 2026, verified August 6, 2026.