Fiat24 Card sits in a very interesting lane of the crypto card market because it is not just trying to be a spend card. It is trying to build a real bridge between onchain identity, crypto balances, and day to day fiat payments.
That matters because most crypto payment products solve only one side of the problem. Some are good for holding assets.
Some are good for bank transfers. Some are good for card payments.
Fiat24 is more ambitious and combines those pieces into one flow by linking Web3 access, multi-currency banking rails, and a debit card experience.
For CoinCodeCap readers, this is the kind of product worth paying attention to because it speaks to a bigger trend. Crypto users do not just want to trade anymore. They want usable financial infrastructure.
Fiat24 Card is part of that shift, especially for users who want a card that feels connected to a broader crypto-fiat account setup instead of a standalone payment tool.
| Attribute | Details |
| Type | Debit |
| Network | Mastercard |
| Custody | Hybrid |
| Cashback | N/A |
| Annual Fee | Free |
| FX Fee | Included in top-up fee (varies by tier) |
| Staking | No |
| ATM | N/A (virtual card) |
| Mobile Pay | Yes |
| Assets | ETH, USDC, USDC.e, USDT, ARB, LON, EUR24, CHF24, USD24, CNH24 (Arbitrum) |
| Metal | No |
| Bonus | None |
| Regions | Europe, Asia, Oceania, North America (specific countries with limits) |
| Product | Click here |
| Key Features | • dApp • Swiss IBAN • Multicurrency • Tokenized fiat • Mobile Pay |
Table of Contents
What Is Fiat24 Card
Fiat24 Card is a debit card designed as part of the broader Fiat24 ecosystem, which combines a Web3 identity model, a Swiss IBAN account structure, and onchain-linked payment utilities.
The card is built around a multi-currency spending setup and is positioned for daily payments rather than speculative rewards.
It is a practical card product for users who want to move between crypto and fiat more smoothly, while staying connected to a crypto-native account environment.
A few details define the product clearly:
- It is a debit card, not a credit card
- It is tied to a hybrid custody style setup, which makes it more flexible than a purely custodial exchange card
- It supports a broad mix of assets and tokenized fiat balances, including major crypto and stablecoin options
- It is designed to work as part of a larger Fiat24 account experience that includes dApp access and Swiss IBAN functionality
This is what makes Fiat24 Card different from simpler crypto cards. It is not only about spending crypto at checkout. It is part of a wider payment stack that includes identity, account rails, and cross-format money movement.
Card Network
Fiat24 Card runs on Mastercard, which is a strong plus for real-world usability.
In crypto card reviews, card network support is one of the most important sections because this is where hype meets reality.
A card can have a smart product design, low fees, and good app UX, but if acceptance is weak, it fails in normal usage. Mastercard support solves that problem and gives Fiat24 Card broad merchant compatibility across online and offline payments.
This improves the card in three practical ways:
- Merchant acceptance: Users can pay across a much wider range of stores, websites, and service providers
- International usability: Mastercard support makes the card more relevant for global users and cross-border spending
- Digital wallet convenience: The card becomes much more useful when paired with mobile wallet payments and tap-to-pay behavior
Fiat24 Card is clearly built for actual spending, not just crypto branding. Mastercard support is a big reason why.
Max Cashback
Fiat24 Card is not currently a cashback-driven product.
The card is listed with cashback marked as N/A, which means readers should not evaluate it as a rewards card at this stage.
There is no headline cashback rate, no category multiplier, and no active cashback structure to compare with reward-heavy crypto cards.
That is not a flaw by itself. It simply means Fiat24 Card is competing on a different set of strengths, mainly payment utility, crypto-fiat connectivity, and multi-currency functionality.
For readers, the right way to think about this is:
- Fiat24 Card is a utility-first card, not a cashback-first card
- The value comes from account and payment infrastructure, not reward farming
- If cashback becomes available later, the important details to watch will be rate, caps, exclusions, and eligible spending types
If someone is choosing a card only for rewards, Fiat24 Card is not the obvious pick today. If someone wants a crypto-fiat bridge with card functionality built into a broader payment system, it becomes much more compelling.
Annual Fee
Fiat24 Card keeps the annual fee simple, which is a big plus for users who care more about utility than card branding.
The card is positioned with a free annual fee, and that matters more than it sounds. In crypto cards, the real trap is often not the signup process, it is the long-term maintenance cost.
A card can look attractive in month one and then lose its edge once recurring fees start eating into the value. Fiat24 avoids that problem and stays friendly for users who want a card they can actually keep active.
This works especially well for three groups of users.
First, crypto users testing a card for the first time. Second, multi-card users who want a crypto-fiat bridge card as a secondary option. Third, frequent movers between crypto and fiat who care more about infrastructure than perks.
The more important detail is what sits around the annual fee.
Fiat24 Card is part of a broader account and payment system, so users should evaluate the total cost of usage, not just the yearly fee line. That includes top-up costs, network-related costs, tier-linked conditions, and any regional pricing differences.
The card is strongest when readers look at it as a functional payment rail with low recurring overhead, not a premium card subscription.
SignUp Bonus
Fiat24 Card does not currently advertise a sign-up bonus.
There is no standard welcome offer attached to the card right now, which means users should not expect a first-spend reward, instant cashback credit, or a promotional token bonus during onboarding.
That may feel underwhelming for readers who compare every card through the lens of signup perks, but it fits Fiat24’s actual product identity.
Fiat24 Card is not trying to win with promotional hooks. It is trying to win with infrastructure.
The product is built around Web3 account access, Swiss IBAN utility, tokenized fiat balances, and card-based spending. In that kind of setup, the value is in the system working smoothly, not in handing out a one-time bonus.
For the right user, that is a fair trade. A sign-up bonus helps in the short term. A usable crypto-fiat stack helps every day.
If Fiat24 introduces promotions later, the details that will matter most are eligibility, supported jurisdictions, minimum balance requirements, and whether the benefit is tied to account NFT tier or transaction volume.
Key Features
Fiat24 Card is one of the more infrastructure-heavy crypto cards in the market, and that is exactly what makes it interesting. The value comes from the way the card connects to a broader onchain banking-style setup rather than acting like a standalone prepaid product.
Mastercard debit card utility
Fiat24 Card runs on Mastercard as a debit card, which gives it broad merchant acceptance and practical day to day usability. This matters because crypto cards only become useful when they work in normal payment environments, not just inside crypto apps.
Swiss IBAN linked account experience
A major differentiator is the Swiss IBAN account structure tied to the Fiat24 account system. This gives the card much stronger fiat utility than basic crypto spend cards and makes the product more relevant for users who want real payment rails, not just token liquidation at checkout.
Web3 identity and account NFT model
Fiat24 uses an NFT-based account access model, which gives the product a distinct crypto-native architecture. The card is not a separate add-on. It is part of a broader account identity system that links access, payments, and services under one setup. For users who want a Web3-native financial stack, this is a standout feature.
Multi-currency card setup
The card is built for multi-currency usage, which is a major practical advantage. It supports multiple fiat balances and is designed to handle daily spending across currencies more efficiently, especially when paired with direct-pay style balance handling.
Crypto and tokenized fiat support
Fiat24 Card supports a wide mix of crypto assets and tokenized fiat balances, including major tokens and fiat-linked assets. This gives users more flexibility in how they fund and manage spending, especially if they already move capital across stablecoins and onchain balances.
Mobile wallet support
Fiat24 Card supports major digital wallet integrations, including Apple Pay and Google Pay. This is a high-impact feature for real-world usage because it turns the card into a tap-to-pay tool and improves convenience immediately.
dApp-first access
Fiat24 is built as a dApp-based payment platform, which means users can access the system without relying on a traditional banking app workflow. That makes the card and account setup more appealing to crypto-native users who already operate through wallets and onchain tools.
Tier-based card conditions and limits
Fiat24 offers different card conditions and spending limits based on user level or account structure. This gives the product flexibility for both regular users and higher-volume users, but it also means readers should check the exact tier they qualify for before deciding.
Pros and Cons
Pros
- Free annual fee keeps the card accessible and reduces long-term cost friction
- Mastercard support gives strong merchant acceptance for online and offline spending
- Swiss IBAN integration makes the product much stronger than a basic crypto spend card
- Web3-native account model appeals to users who want onchain identity and wallet-linked access
- Multi-currency setup improves usability for global payments and cross-currency spending
- Apple Pay and Google Pay support makes everyday usage easier and faster
- Crypto plus tokenized fiat support gives more flexibility for funding and spending
- dApp-based access fits users who prefer wallet-centric financial tools
Cons
- No active cashback program means reward-focused users may prefer other cards
- No sign-up bonus removes an immediate onboarding incentive
- Tier-based conditions and limits can add complexity for first-time users
- Value depends on account setup so users need to understand the broader Fiat24 system, not just the card
- ATM utility is limited for this card format and may not fit users who rely on cash withdrawals
- Some fees are tied to top-up structure or tier which means users should review pricing carefully before heavy use
Fiat24 Card is not the best fit for someone hunting pure card rewards. It is a strong fit for users who want a crypto-fiat bridge with real payment infrastructure behind it.
USP by Altie
Fiat24 Card is not trying to be the loudest card in crypto. It is trying to be one of the most useful.
That is the real USP.
Most crypto cards stop at spending. Fiat24 Card goes one layer deeper and connects spending to a broader onchain financial setup.
You are not just getting a card to tap at checkout. You are stepping into a system that blends Web3 identity, tokenized fiat balances, a Swiss IBAN, and card payments into one workflow.
That changes the experience in a big way.
Instead of juggling separate tools for wallet access, bank transfers, and card spending, Fiat24 pulls those functions closer together. For crypto-native users, that feels less like a card product and more like a real crypto-fiat operating layer.
This is the part I like as Altie. Fiat24 Card is built for people who are tired of pretending crypto adoption means one more exchange card.
It is more structural than that. The product is trying to make crypto users financially functional in the real world without forcing them to abandon how they already operate onchain.
If another card sells rewards, Fiat24 sells systems. That is a very different game.
How to Choose the Best Crypto Card for You
Picking the right crypto card is mostly about matching the card to your behavior. The mistake people make is choosing the card with the biggest headline and then realizing the actual workflow does not fit their life.
Use this checklist before choosing Fiat24 Card or any crypto card.
- Start with your main goal
Decide what the card is for. Daily spending, travel, crypto-fiat transfers, online subscriptions, treasury movement, or backup payments all require different strengths. - Check if you need a full crypto-fiat bridge or just a spend card
Some users only need a crypto-funded card. Others need account rails, IBAN support, and better fiat handling. If you move money between crypto and bank-style systems often, infrastructure matters more than cashback. - Verify the payment network
Mastercard or Visa support is non-negotiable for real-world utility. This determines where the card will actually work. - Look at the total fee stack, not one fee
A free annual fee is good, but the real decision should include:- Top-up and conversion fees
- FX treatment
- ATM costs
- Tier-based charges
- Card replacement costs
- Understand the account model and custody style
Some products are purely custodial. Some are more crypto-native. Some are hybrid. Pick the one that matches your comfort level and how you already manage funds.
- Check supported assets and fiat options
A card is only useful if it supports the tokens and fiat balances you actually use. Broad support is good, but relevant support is better. - Review region availability and limits
Crypto cards often sound global until you hit country restrictions, tier limits, or unsupported transaction types. Always check eligibility before committing. - Assess mobile wallet support
Apple Pay and Google Pay support can completely change everyday usability. If you pay by phone often, this should be high on your list. - Do not overvalue rewards if your workflow is complex
Cashback is nice, but a smooth crypto-fiat setup often saves more friction than a few percentage points in rewards. - Choose based on how often you will actually use it
A utility card you use every week is usually better than a premium rewards card that stays in your drawer.
Best Use Cases Around This Crypto Card
Fiat24 Card is a better fit for users who want crypto-fiat infrastructure, not just a crypto payment gimmick. It shines when the user needs a connected system for payments, balances, and movement across rails.
Here are the strongest use cases.
- Crypto users who need a real crypto-fiat bridge
This is the core use case. If you regularly move between onchain assets and fiat-style payments, Fiat24 Card offers a much stronger setup than basic spend-only cards. - Users who want card spending plus IBAN utility
Fiat24 is a strong fit for anyone who wants a card and account rails in one product. The Swiss IBAN layer gives the platform more practical financial use beyond checkout payments. - Stablecoin and tokenized fiat users
If your funds already sit in stablecoins or tokenized fiat balances, Fiat24 Card fits naturally. The product is built around that kind of balance structure, which reduces friction in day to day usage.
- Crypto-native users who prefer wallet-centric workflows
Fiat24 works well for people who already manage their finances through wallets and dApps. The product feels aligned with that operating style rather than forcing a traditional app-only banking experience. - Frequent cross-border spenders
Multi-currency support and major card network compatibility make Fiat24 Card a practical option for users who spend across regions or manage funds internationally. - Users building a long-term onchain financial setup
Fiat24 is not just a one-feature card. It is better for users who want a broader crypto-native account framework they can grow into over time. - Secondary card for crypto power users
Even users with other crypto cards may use Fiat24 as a specialized tool for IBAN-linked payments, tokenized fiat handling, or a dApp-native payment flow.
Who should skip it for now
Fiat24 Card is not the best pick for users who compare cards purely on cashback, sign-up rewards, or simple one-click onboarding. The product delivers more value to users who are willing to use the broader Fiat24 ecosystem.
Comparison Table
| Attribute | TapX Card | Fiat24 Card | THORWallet Card | SafePal Card |
| Type | Debit | Debit | Debit | Debit |
| Network | Visa/Mastercard | Mastercard | Mastercard | Mastercard |
| Custody | Self-Custody | Hybrid | Self-Custody | Self-Custody |
| Cashback | N/A | N/A | N/A | N/A |
| Annual Fee | Free | Free | Free | Free |
| FX Fee | 0% FX fees | Included in top-up fee (varies by tier) | 1% (standard tier) | 1% |
| Staking | No | No | No | No |
| ATM | Varies by plan | N/A (virtual card) | $10,000/day (standard tier) | €5,000/day |
| Mobile Pay | Yes | Yes | Yes | Yes |
| Assets | Bitcoin, USDT, 70+ cryptocurrencies | ETH, USDC, USDC.e, USDT, ARB, LON, EUR24, CHF24, USD24, CNH24 (Arbitrum) | Over 20,000 crypto tokens including ETH, USDC, USDT, BTC | Crypto across 40+ blockchains including ETH, USDC, USDT, BTC |
| Metal | No | No | No | No |
| Bonus | None | None | None | None |
| Regions | Global | Europe, Asia, Oceania, North America (specific countries with limits) | 100+ countries (Europe, Asia, Oceania, North America) | 60+ countries (Europe, Asia, Oceania, North America) |
| Key Features | • Cashback coming soon • 0% FX fees • Physical & virtual card • Google Pay • Self-custody setup | • dApp access • Swiss IBAN • Multicurrency • Tokenized fiat • Mobile Pay | • Non-custodia l• Swiss IBAN account • Multicurrency support (CHF, EUR, USD, RMB) • Tokenized fiat • Mobile Pay | • Non-custodial • Swiss IBAN account • Multicurrency • Lowest fees • Mobile Pay |
| Read Review | Click here | Click here | Click here | Click here |
Conclusion
Fiat24 Card is one of the more interesting crypto cards available because it is not really just a card. It is part of a larger onchain-to-fiat infrastructure stack.
The biggest strength of Fiat24 Card is the combination of Mastercard utility, Swiss IBAN integration, Web3-native account design, and multi-currency support.
That makes it a strong choice for users who want a working crypto-fiat bridge and not just another spend card with a temporary promo angle.
The trade-off is straightforward. This is not a rewards-first card. There is no cashback program active and no sign-up bonus pushing the product.
Readers who want maximum perks will likely look elsewhere. Readers who want a more serious crypto payment setup will see the appeal quickly.
Altie verdict: Fiat24 Card is built for utility-heavy crypto users who want infrastructure, not just incentives. If your goal is to make onchain money more usable in the real world, this card belongs on your shortlist.
