Fiat24 Card

#24 (out of 35) in Crypto Cards
#18 (out of 25) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • 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
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee




Daily Spending Limit

9,800 EUR

Daily ATM Withdrawal Limit

N/A (Virtual-Only Card)

Crypto to Fiat Conversion

Manual when Preloading

Supported CountriesShow All
Supported Cryptocurrencies
Your Fiat24 Card: Link any crypto wallet, obtain a Swiss IBAN, and enjoy exceptional service.

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

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 real-life currency and moving it to the card account, to make it available for spending.

It's Issued Solely in Virtual Form, Lacking a Physical Version

Fiat24 Card is available solely in virtual format, unlike 50% 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 WithdrawalsInstantly Available, No Waiting for Mail
No Card when Hotels or Car Rentals Require itIdeal for Online Purchases
No Card When Phone Dies or no InternetEnvironmentally Friendly
No Feel-Good Backup Payment MethodNo 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.

How Does Fiat24 Card Compare to Other Crypto Cards?

Fiat24 Card ranks #18 out of 25 amongst similar crypto cards. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.

While we have a total of 35 cards listed in our Crypto Cards category, only 24 are comparable to Fiat24 Card, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Fiat24 Card against its 24 competitors :

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • Their customer service is very good with a 9.2/10 score (others score only 7.1/10 on average).

Weakest Features Against Competitors

Compared to its 24 competitors, here are the shortcomings of Fiat24 Card:

  • Doesn't offer any cashback (while other cards give an average of 5%).
  • Less-known company with a 3/10 company strength score (the average for all competing cards is 7/10).
  • Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
  • Only available in virtual format (while 50% of competing crypto cards offer both physical and virtual cards).
  • Fiat24 Card vs. SpectroCoin Card vs. Nexo Card

    Fiat24 Card
    SpectroCoin Card
    Nexo Card
    Monthly Fee 0.00 EUR 1.15 EUR 0.00 EUR
    Foreign Exchange Fee 1.5% 1% 0.5%
    Crypto to Fiat Fee 1% 2.5% 0.0%
    Highest Cashback None None up to 2%
    Entry-Level Cashback None None 0.5%
    Daily Spending Limit 9,800 EUR 25,000 EUR 10,000 EUR
    Daily ATM Limit N/A (Virtual-Only Card) 2,500 EUR 2,000 EUR
    Availability for United States flagUnited States
    Supported Cryptocurrencies 12 54 64
    Apple Pay Enabled Enabled Enabled
    Customer Service Great Average Great
    Company Strength Weak Medium Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. SpectroCoin Card offers the highest daily spending limit of 25,000 EUR. You will get lower daily limits with Fiat24 Card and Nexo 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, Nexo Card offers the best cashback rewards of up to 2%. With Fiat24 Card and SpectroCoin 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:

Location: Fiat24 customer service reps are located in Switzerland flagSwitzerland.¹

Support Channel Our Interaction Score
(replied in
35 min)
Replied quickly, with a friendly human-written response.
High Competence
Somewhat Personalized
Flawless English, Professional Tone
(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
(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
(replied in
5 h 29 min)
Concise and to the point reply about 3D security password.
High Competence
Not Personalized
Flawless English, Professional Tone
(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

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 7.1/10.

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 5 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Good Info. What's My Next Step?

Paulina Masson

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.

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