THORWallet Card
- Apple Pay enabled
- Great customer service
- 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 | 5,000 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 | ARBETHUSDCEUSDT |
Your THORWallet Card: virtual-only, but equipped with Apple Pay.
THORWallet Card Benefits and Rewards
Currently, the ThorCard does not offer cashback. However, they plan to introduce it in 2024 by redistributing 50% of their earnings from the card program as cashback rewards to users.
THORWallet Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- CH
IBAN Bank Account- in your name
With THORWallet 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 THORWallet, 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
THORWallet Card is available solely in virtual format, unlike 30% 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 THORWallet Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
The 'back' of virtual THORWallet Card
| Card Issuer | Wallester |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 47436711 |
| Validity Period | 3 years |
| Issuing Country | Estonia |
Crypto-to-EUR Conversion Cost with THORWallet Card
THORWallet Card Requires Pre-Load
Before you can use your THORWallet 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 | 1% |
| Broker Sell Spread | ~0.75% |
| Load Fee | 0% |
| 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 THORWallet Card will cost you about the same (~1.75% + Gas Fees).
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does THORWallet Card Compare to Other Crypto Cards?
THORWallet Card ranks #49 out of 61 amongst all the crypto cards we have reviewed so far. This means it's one of the bottom 20%. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.
In addition, THORWallet Card ranks #10 out of 14 amongst Non-Custodial Crypto Cards.
We compared THORWallet Card with 41 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Weakest Features Against Competitors
Compared to its 41 competitors, here are the shortcomings of THORWallet Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Daily spend is capped at 5,000 EUR (while other cards offer 25,000 EUR daily spend limit on average).
- Supports only 4 cryptocurrencies (while other cards support an average of 15).
- Lesser-known company with a 2/10 brand authority score (the average for all competing cards is 6/10).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
- Only available in virtual format (while 30% 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).
THORWallet Card vs. Fiat24 Card vs. Gnosis Card
THORWallet Card
|
Fiat24 Card
|
Gnosis Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~1.75% + Gas Fees | ~1.75% + Gas Fees | 0% + Gas Fees |
| Highest Cashback | None | None | up to 5% |
| Entry-Level Cashback | None | None | 2% |
| Daily Spending Limit | 5,000 EUR | 9,800 EUR | 8,000 EUR |
| Daily ATM Limit | N/A (Virtual-Only Card) | N/A (Virtual-Only Card) | 500 EUR |
| Foreign Exchange Fee | 1.5% | 1.5% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 4 | 12 | 2 |
| Apple Pay | Enabled | Enabled | Not Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Less-Known | Less-Known | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Fiat24 Card offers the highest daily spending limit of 9,800 EUR. You will get lower daily limits with THORWallet Card and Gnosis 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, Gnosis Card offers the best cashback rewards of up to 5%. With THORWallet Card and 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 THORWallet's Customer Support
We asked THORWallet'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.
THORWallet offers support via the following channels:
| Telegram | https://t.me/THORCardSupport |
| Discord | https://discord.com/invite/8zaNqvPwjJ |
Location: THORWallet customer service reps are located in 
Switzerland.¹
| Support Channel | Our Interaction | Score |
Telegram (replied in 1 min) | Fast and informative reply to a question about connecting an existing Fiat24 identity. | High Competence Somewhat Personalized Adequate English, Professional Tone 9/10 |
Discord (replied in 4 h 26 min) | Clear answer to a question about rewards tiers. Provided a link with additional information. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Telegram (replied in 7 min) | Quick and concise response to a question about 3DS security. | High Competence Not Personalized Adequate English, Informal Tone 8/10 |
Discord (replied in 1 h 20 min) | Knowledgeable reply to a question about USDC balance not showing up. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Discord (replied in 2 d 2 h ) | Gave a good answer to a question about the benefits of using Fiat24 card via ThorWallet. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
To summarize,
Competence and Problem-Solving: THORWallet'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: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.
Reply Speed: Response times are inconsistent, ranging from as quick as 1 minute to as slow as 2 days.
Overall Customer Service Rating: 9/10
This excellent score places THORWallet's Customer Service well above the crypto card industry average of 7.6/10.
THORWallet Referral Code - to Get 5% Cashback on All Your Crypto Swap Fees
You can use referral code 675154 to get 5% Cashback on all your crypto swap fees.
Here's how you can enter the referral code when signing up:
Your cashback will be paid out to you in TGT (THORWallet1).
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Is THORWallet Card Available for Residents of United States?
No, THORWallet Card is not available for residents of United States.
THORWallet 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 12 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Valuable Points. 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.
