debit Card•

THORWallet card

Name: THORWallet card
Brand: EMM Ventures AG
Availability: InStock

by EMM Ventures AG

THORWallet Mastercard from self-custody. Official cards page lists Basic (virtual, free with invite otherwise $5), Premium (physical + virtual, $124 or $99 with invite, 0.5% USDC cashback on first $5,000/month), and Swiss IBAN (virtual, free, FX 1%, no ATM). Basic and Premium: 0% card top-up, 1.5% FX, ATM $1 domestic / $5 international.

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Official Site 𝕏

THORWALLET CARD

EMM Ventures AG

Cashback

Up to 0.5%

Annual Fee

Free

FX Fee

1.5%

Staking

None

0.5%

Max Cashback

Paid in USDC

Annual Fee

Premium Perks

Available Regions

Unique Features

Bank account ownership via NFT
Swiss IBAN integration within a DeFi wallet
Arbitrum Layer 2 settlement

Pros

Self-custody wallet; top up when you spend
0% card top-up on Basic and Premium
Premium: 0.5% USDC cashback
Premium includes a physical card
Accepted in 175+ countries including the US

Cons

Basic is $5 without an invite (free with invite)
Premium is $124 one-off ($99 with invite)
FX 1.5% on Basic and Premium
ATM $1 domestic / $5 international; Swiss IBAN has no ATM
Premium cashback only on the first $5,000 of card spend per month

Integrations & Tech

IBAN Support

iOS App

Android App

Debit Mode

Credit Mode

IBAN: Swiss IBAN provided by Fiat24. Accounts are represented as NFTs on Arbitrum.

AvailableExcludedUnknown

Available In (66)

AndorraArgentinaArmeniaAustraliaAustriaBangladesh

Virtual Card

Available

Instant digital issuance.

Physical Card

Available

MaterialVirtual

Issuance$5

ShippingFree

ReplacementFree

Tier Comparison

Basic

0% Cashback

Stake Required

Free

Issuance Fee

Replacement Fee

Free

FX Fee

1.5%

ATM Fee

$1 domestic / $5 international

Tier Perks

•Crypto Top-up Fee(0%)

•POS monthly limit($100,000)

•ATM($1 domestic / $5 international)

Fee Structure

Annual FeeFree

Monthly FeeNone

FX Fee1.5%

Issuance Fee$5

Shipping FeeFree

Replacement FeeFree

Inactivity FeeNone

Crypto ConversionFree

Credit CheckNot Required

Top-Up FeeFree

ATM Capabilities

ATM Fee (Domestic)1

ATM Fee (Intl)5

Detailed Fee Structure

FX Fee

1.5% Basic/Premium, 1% Swiss IBAN

Top-Up Fee0% (0% Basic/Premium, 0.25-1% Swiss IBAN)

0% Basic/Premium, 0.25-1% Swiss IBAN

Detailed Limits

Spending LimitsNo limit specified

Fee Details

Basic: $5 one-off without invite, free with invite. Premium: $124 one-off, $99 with invite. Swiss IBAN: no card fee. Card top-up 0% on Basic/Premium; 0.25–1% on Swiss IBAN. FX 1.5% Basic/Premium, 1% Swiss IBAN. ATM $1 domestic / $5 international on Basic/Premium; no ATM on Swiss IBAN. Premium cashback 0.5% USDC on first $5,000 card spend/month.

Limits & Conditions

Basic POS: $20,000/tx, $50,000/day, $100,000/month. Premium POS: $100,000/tx, $500,000/day, $1,000,000/month. ATM both: $2,500/tx, $10,000/day; monthly $20,000 Basic / $60,000 Premium. Swiss IBAN monthly up to $10M; no ATM.

Crypto Capabilities

Security & Custody

Custody ModelNon-Custodial

Wallet TypeEOA

InfrastructureFiat24

Supported Assets

Chains

Arbitrum

Tokens

Yield on Collateral

On-chain History

Governance Rights

Credit Scoring

Lifestyle Benefits

Fee Return RewardsStakers of TITN token receive a share of swap fees, though this is separate from card usage.

Rewards Program DetailsPremium: 0.5% USDC cashback on first $5,000 card spend/month, paid to wallet. Basic and Swiss IBAN: no card cashback. Separate TITN staking fee-return rewards are not card spend cashback.

Payout Frequency

Monthly

Exclusions

Basic and Swiss IBAN have no card cashback. Premium cashback only on the first $5,000 of card spend per month. TITN staking fee-return is separate from card spend.