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debit Card•Referral Bonus•
UR Debit Card
by UR
UR is a unified financial app combining a self-custody crypto wallet (on Mantle) with a multi-currency fiat account and Mastercard debit card allowing users to spend, transfer, and off-ramp digital assets seamlessly across 45+ countries.
Referral Bonus
$5 referral bonus
UR DEBIT CARD
UR
Cashback
Variable
Annual Fee
Free
FX Fee
1%
Staking
None
N/A
Max Cashback
$0
Annual Fee
0
Premium Perks
Available Regions
Unique Features
- Hybrid model: Self-custody wallet + Bank-level fiat account
- Biometric wallet access (no seed phrase management required)
- USDe yield integration
- Tokenized transaction settlement on Mantle Network
Pros
- Zero off-ramp fees (Pro tier)
- Earn up to 5% APY on USDe without staking
- Self-custody wallet security (Turnkey) with biometric login
- Multicurrency IBANs for SEPA and SWIFT transfers
- Available in 45+ countries including Brazil, UK, and EEA
Cons
- No cashback rewards on card spending
- Basic tier cannot use Bank Transfers (Deposit/Payout)
- Monthly fee for Pro is high ($24) if limits are not utilized
- Restricted in USA
Integrations & Tech
IBAN Support
iOS App
Android App
Debit Mode
Credit Mode
IBAN: Multi-currency IBANs available. Basic tier does not support Bank Transfers (SEPA/SWIFT) despite having an account structure.
AvailableExcludedUnknown
Available In (47)
AustraliaAustriaBelgiumBrazilBulgariaCanada
Not Available In (45)
AfghanistanAlgeriaAmerican SamoaAngolaBarbadosBelarus
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
IssuanceFree
ShippingFree
ReplacementFree
Tier Comparison
Basic
0% CashbackStake Required
Free
Issuance Fee
Free
Replacement Fee
Free
FX Fee
1% weekdays, 1.05% weekends
ATM Fee
null%
Fee Structure
Annual FeeFree
Monthly FeeNone
FX Fee1%
Issuance FeeFree
Shipping FeeFree
Replacement FeeFree
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
Detailed Fee Structure
FX Fee1% (1% weekdays, 1.05% weekends)
1% weekdays, 1.05% weekends
Top-Up Fee0.5% (Basic: 0.5%, Pro: 0%)
Basic: 0.5%, Pro: 0%
Detailed Limits
Spending Limits€10,000/day, €20,000/month
Daily
10,000 EUR
Monthly
20,000 EUR
ATM LimitsCHF100,000/month
Monthly Amount
100,000 CHF
Fee Details
FX Fee: 1% weekdays, 1.05% weekends. Crypto Off-ramp: 0.5% (Basic), 0% (Pro). Bank Transfers: Not supported (Basic), Free (Pro). Crypto withdrawals subject to network gas fees. Chain availability varies by token: ETH (Arb/Base/Eth), USDC (All), USDe (Mantle), USDT (Arb/Eth).
Limits & Conditions
Daily Card Limit: 10,000 EUR. Monthly Card Limit: 20,000 EUR. Monthly Account Limit: 100,000 CHF. ATM specific limits are not disclosed in provided text.
Crypto Capabilities
Security & Custody
Custody ModelHybrid
Wallet TypePasskey/Social Login
InfrastructureTurnkey
Supported Assets
Chains
Ethereum
Arbitrum One
Base
Mantle
Monad
Tokens
USDC
USDe
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
No specific perks listed for this card.
Rewards Program DetailsThe card does not offer cashback on spending. Users earn up to 5% APY on held USDe (Ethena) automatically. Referral program offers $5 USD.
Referral Bonus
$5 referral bonus
Exclusions
No spending cashback offered.
