Fiat24 Card
- Use any preferred crypto wallet
- Generous daily spend limit
- Passionate team, exceptional customer service
- Beautifully designed interface
- Virtual card (no physical), so no ATM withdrawals
- No cashback rewards
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~1.75% + Gas Fees |
| Cashback | None |
| Daily Spending Limit | 9,800 EUR |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 1.5% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Non-Custodial (connect your own wallet) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenSwitzerland |
| Supported Blockchains | Arbitrum |
| Supported Cryptocurrencies | ARBDAIETHGMXLINKSUSHITUSDUNIUSDCUSDCEUSDTWBTC |
Your Fiat24 Card: Link any crypto wallet, obtain a Swiss IBAN, and enjoy exceptional service.
Fiat24 Card Benefits and Rewards
Fiat24 doesn’t offer cashback in the traditional sense, but they do incentivize users to use the card by awarding F24 Loyalty Tokens. For each top-up transaction, you will receive one F24 Token for each 100 USDC you load onto the card. For each card transaction, you will receive one to five F24 Tokens (depending on your loyalty tier) for every 100 EUR you spend.
Collected F24 Tokens will determine your loyalty tier and offer the following benefits:
| F24 Token Balance | Crypto to Fiat Fee | Land Size on Fiat24 Metaverse | |
Standard – 5 digit account |
0 F24 | 1% | No Land |
Premium – 4 digit account |
1,500 F24 | 0.5% | 1×1 |
|
Premium – 3 digit account |
15,000 F24 | 0.25% | 2×2 |
|
Premium – 2 digit account |
150,000 F24 | 0.1% | 3×3 |
|
Premium – 1 digit account |
1,500,000 F24 | Free | 4×4 |
The most valuable benefit is a reduced crypto-to-fiat conversion fee, which decreases with higher loyalty tiers.
The Land on Fiat24 metaverse can be used to build connections and brand awareness. Fiat24’s Metaverse is modeled on a miniature map of the world where digital land is available for purchase. The higher your loyalty tier is, the larger the land you will own.
Plus, Fiat24 creates a Swiss IBAN account for you, which is a great benefit since Swiss banks are known for their high level of privacy.
Fiat24 Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- CH
IBAN Bank Account- in your name
With Fiat24 Card, you'll get a true debit card experience, directly connected to a bank account. You'll receive a Switzerland-based IBAN bank account number issued in your name, and any funds you deposit into your account will become immediately available for spending on your card.
Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Fiat24, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges or receive salary payments.
It's Issued Solely in Virtual Form, Lacking a Physical Version
Fiat24 Card is available solely in virtual format, unlike 40% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Useful:Since Fiat24 Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
Crypto-to-EUR Conversion Cost with Fiat24 Card
Fiat24 Card Requires Pre-Load
Before you can use your Fiat24 Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Broker Sell Spread | ~0.75% |
| Load Fee | 1% |
| Transaction Fee | 0% |
| Gas Fees | vary |
| Total Crypto to EUR Cost | ~1.75% + Gas Fees |
Reality Check:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Fiat24 Card will cost you about the same (~1.75% + Gas Fees).
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Nexo Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.75% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Fiat24 Card Compare to Other Crypto Cards?
Fiat24 Card ranks #32 out of 47 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
In addition, Fiat24 Card ranks #7 out of 10 amongst Non-Custodial Crypto Cards.
We compared Fiat24 Card with 37 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of Fiat24 Card against its 37 competitors:
- Offers Apple Pay (while 40% of competing crypto cards don't).
- Offers a generous 9,800 EUR daily spend limit (other cards offer 9,000 EUR limit on average).
- Their customer service is very good with a 9.2/10 score (others score only 7.4/10 on average).
- This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.
Weakest Features Against Competitors
Compared to its 37 competitors, here are the shortcomings of Fiat24 Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Less-known company with a 3/10 company strength score (the average for all competing cards is 6/10).
- Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
- Only available in virtual format (while 40% of competing crypto cards offer both physical and virtual cards).
- Supports only one blockchain, Arbitrum (while other non-custodial cards support an average of 6 blockchains).
Fiat24 Card vs. Plutus Card vs. Holyheld Card
Fiat24 Card
|
Plutus Card
|
Holyheld Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~1.75% + Gas Fees | ~0.5% + Gas Fees | ~0.5% |
| Highest Cashback | None | up to 9% | up to 1% |
| Entry-Level Cashback | None | 3% | 0.5% |
| Daily Spending Limit | 9,800 EUR | 2,500 EUR | 10,000 EUR |
| Daily ATM Limit | N/A (Virtual-Only Card) | 300 EUR | 5,000 EUR |
| Foreign Exchange Fee | 1.5% | 2.5% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 12 | 2 | 1201 |
| Apple Pay | Enabled | Not Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Company Strength | Weak | Medium | Medium |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Holyheld Card offers the highest daily spending limit of 10,000 EUR. You will get lower daily limits with Fiat24 Card and Plutus Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Plutus Card offers the best cashback rewards of up to 9%. The cashback rewards for Holyheld Card are not as high. With Fiat24 Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
We Tested Fiat24's Customer Support
We asked Fiat24's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Fiat24 offers support via the following channels:
| service@fiat24.com | |
| Discord | https://discord.com/invite/Dh29BJ6VvC |
Location: Fiat24 customer service reps are located in 
Switzerland.¹
| Support Channel | Our Interaction | Score |
Email (replied in 35 min) | Replied quickly, with a friendly human-written response. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 43 min) | Quickly answered a question about two factor verification, concise and to the point. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 3 d 1 h ) | Knowledgeable, helpful reply to a question about token conversion. | Late Reply High Competence Highly Personalized Flawless English, Professional Tone 8/10 |
Discord (replied in 5 h 29 min) | Concise and to the point reply about 3D security password. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Email (replied in 13 min) | A quick reply with a clear explanation to a question about a declined transaction. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
To summarize,
Competence and Problem-Solving: Fiat24's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.
Customer Love: Fiat24's support responses are personalized, addressing customers by name, but typically do not include other specific account details unless requested.
Reply Speed: Response times are inconsistent, ranging from as quick as 13 minutes to as slow as 3 days.
Overall Customer Service Rating: 9.2/10
This excellent score places Fiat24's Customer Service well above the crypto card industry average of 7.4/10.
Is Fiat24 Card Available for Residents of United States?
No, Fiat24 Card is not available for residents of United States.
Fiat24 Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland.
To see our list of available crypto cards for United States, see this list. There are currently 8 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Solid Info. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
