debit Card•

Fiat24 Debit

Name: Fiat24 Debit
Brand: SR Saphirstein AG
Availability: InStock

by SR Saphirstein AG

Fiat24 is a Swiss-licensed fintech providing a Web3 banking layer on Arbitrum. It offers a Swiss IBAN and Mastercard connected directly to a non-custodial wallet.

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Official Site

FIAT24 DEBIT

SR Saphirstein AG

Cashback

Variable

Annual Fee

Free

FX Fee

Included in Top-up fee (Crypto-to-Fiat).%

Staking

None

N/A

Max Cashback

Annual Fee

Premium Perks

Available Regions

Unique Features

Account is an NFT (ERC-721)
Balances are ERC-20 tokens
Bank data stored in Switzerland, assets stored on Arbitrum

Pros

Swiss IBAN with multi-currency support (CHF, EUR, USD)
Non-custodial (You hold the keys)
High spending limits for higher tiers
No monthly fees
Works with Apple Pay / Google Pay

Cons

Standard Tier CANNOT accept 3rd party bank transfers (Self-funding only)
Virtual card only (No physical card, no ATM withdrawals)
No native mobile app (Must use dApp browser or wallet browser)
One-time cost (Burn F24) to access higher tiers
Not available in US

Integrations & Tech

IBAN Support

Debit Mode

iOS App

Android App

Credit Mode

IBAN: 'Standard' users can ONLY receive funds from their own accounts or specific exchanges. 'Premium' and 'Ultimate' users can receive third-party deposits.

AvailableExcludedUnknown

Available In (37)

AustraliaAustriaBelgiumBulgariaChinaCroatia

Virtual Card

Available

Instant digital issuance.

Physical Card

Not Available

Tier Comparison

Standard

0% Cashback

Stake Required

Free

Issuance Fee

Free

Replacement Fee

Free

FX Fee

Included in Top-up fee (Crypto-to-Fiat).%

ATM Fee

null%

Tier Perks

•Account Volume Limit(100,000 CHF/month)

Fee Structure

Annual FeeFree

Monthly FeeNone

FX FeeIncluded in Top-up fee (Crypto-to-Fiat).%

Issuance Fee$NaN

Shipping FeeFree

Replacement FeeFree

Inactivity FeeNone

Crypto Conversion1.0% (Standard), 0.5% (Premium), 0.25% (Ultimate)%

Credit CheckNot Required

Top-Up FeeFree

Detailed Fee Structure

Top-Up Fee1% (Tier-based: 1.0% Standard, 0.5% Premium, 0.25% Ultimate)

Tier-based: 1.0% Standard, 0.5% Premium, 0.25% Ultimate

Detailed Limits

Spending LimitsCHF10,000/day, CHF20,000/month

Daily

10,000 CHF

Monthly

20,000 CHF

Fee Details

Bank wire top-ups are free. Crypto top-ups (swapping crypto for USD24/EUR24/CHF24) incur a fee based on your account NFT tier: 1.0% for Standard, 0.5% for Premium, and 0.25% for Ultimate.

Limits & Conditions

Limits are split into 'Card Limits' (spending via Mastercard) and 'Account Limits' (total volume including P2P/transfers). Standard Card limit is 10k/day, 20k/month. Standard Account limit is 100k/month.