THORWallet Card
THORWallet
- Cashback
- 0% – 0.5%in USDC
- Monthly fee
- $0
- FX / conversion
- 1.5% (Basic) · 0.5–1.5% (Premium) · 1% (Swiss)
- Issuance
- Basic $5 (free w/ invite) · Premium $124 ($99 w/ invite) · Swiss Banking free
- Card type
- virtual + physical
Eligibility & KYC — who can get it
✓ Open to most nationalitiesNot issued to residents / citizens of:
THORWallet ToS §3(a) bars users in jurisdictions sanctioned by Switzerland (SECO) and/or the UN; the card is issued via the 'THORWallet VISA/Mastercard — Fiat24 program' (ToS §11). Fiat24's official Restricted Locations page (info.fiat24.com/overview?type=restricted) lists the countries above, including Russia.
Issuer’s markets: 175+ countries including US
Where you can pay
✓ Worldwide — anywhere Mastercard is acceptedOfficial site: 'Spend crypto anywhere Mastercard is accepted, in 175+ countries including the US' and 'It's a Mastercard issued under licence and accepted anywhere Mastercard is, online and in store.'
Cashback details
Basic: 0%. Premium: 0.5% in USDC (capped at $5K spend/month). Swiss: none.
Spend from
20,000+ tokens across all THORWallet chains (BTC, ETH, SOL, etc.)
Verification procedure
Most countries open instantly; a few require extra verification
AI subscriptions
Works for online subscriptions.
Good to know
Self-custody (keys never leave device). 0% top-up. No staking for cashback. Swiss IBAN + SEPA on Swiss tier. Multi-currency CHF/EUR/USD/RMB. Limits up to $10M/month (Swiss). Apple Pay, Google Pay. CAUTION: issuer Fiat24 is currently in maintenance mode and not accepting new applications.
Referral program
Conditions: Referrer earns up to $25/signup + up to 0.2% on FX spend. Paid monthly in USDC.
Claim bonus ↗
