UR Debit Card
by SR Saphirstein AG
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.
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 on Pro tier (per wallet docs; FAQ states 0% generally)
- Earn USDe rewards automatically while holding (APY variable; not fixed)
- Self-custody wallet security (Turnkey) with biometric login
- Personal Swiss IBAN with SEPA and SWIFT
- Virtual multicurrency Mastercard for online and wallet spend
Cons
- Virtual card only (no physical card; no ATM cash withdrawals)
- No cashback rewards on card spending
- Temporary pause of crypto-fiat conversion and new account registration (UR Support, Jul 2026)
- Restricted in USA and many other unsupported countries/territories
Integrations & Tech
Available In (46)
Not Available In (203)
Tier Comparison
Basic
0% CashbackFee Structure
Detailed Fee Structure
0% same-currency supported purchase; 1% cross-currency among enabled / unsupported settled via EUR; 2% unsupported currency settled via non-EUR enabled balance. Replaces old weekday 1% / weekend 1.05% schedule.
Wallet article: digital-asset ramp 0.5% Basic, 0% Pro. FAQ claims 0% off-ramp — conflict. Temporary pause of crypto-fiat conversion per support 16929579555215.
Detailed Limits
Fee Details
Card FX: 0% when purchase currency matches an enabled balance; 1% when settled via another enabled currency or via EUR for unsupported currencies; 2% when unsupported currency is settled via a non-EUR enabled balance. Digital-asset on/off-ramp: 0.5% Basic / 0% Pro per wallet article (FAQ says 0% off-ramp). EUR/CHF bank transfers: no UR processing fee when successful; USD payouts $50. Temporary (support 16929579555215, edited 2026-07-27): crypto-fiat conversion paused; new retail/corporate registration paused; CHF 30,000 monthly activity limit.
Limits & Conditions
Card spending — Basic: EUR 2,000/day, EUR 5,000/month; Pro: EUR 10,000/day, EUR 20,000/month. Total account activity limit CHF 30,000/month (both tiers), covering deposits, withdrawals, FX, and card spend. ATM cash withdrawals not supported (virtual-only card).
Crypto Capabilities
Security & Custody
Supported Assets
