FIAT24 CARD
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | €10,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | 1,500 F24 |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | €100,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | 15,000 F24 |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | €500,000 |
- Crypto top-ups have been paused for over 2 weeks with no ETA. Since July 14, 2026, you cannot convert crypto to fiat within Fiat24. New account creation is also suspended. The company says this is temporary infrastructure work, not a regulatory shutdown, but no timeline has been given.
Fiat24 accounts are ERC721 NFTs on Arbitrum. Your account number IS your NFT's unique ID. You connect via your own Arbitrum wallet. there is no username, email login, or password. Lose your wallet/private key = lose access to your Fiat24 account and all funds. Fiat24 can restore your account after identity verification (processing fee may apply).
THE REAL STORY ON THIS CARD.
- FINMA-regulated Swiss entity
- Mastercard Principal Member. Fiat24 issues cards directly, no intermediary issuer
- Non-custodial wallet model
- Swiss IBAN in own name (SEPA/SWIFT/SIC) with unique NFT-linked account
- No monthly fees, no card issuance fee, no cashback/points gimmicks
- Three-tier system with significant spend limits up to EUR 1M/month
- Tokenized deposits (CHF24/EUR24/USD24) for on-chain transparency
- Multi-currency support (8 currencies)
- Apple Pay, Google Pay, Samsung Pay supported
- Award-winning (Accenture Best Neobank 2022)
- Audited by Grant Thornton Switzerland
- API available for wallet integration (SafePal, Bitget, imToken, etc.)
- No username/password, wallet-based authentication
- Crypto top-ups paused since Jul 14 2026. no timeline for resumption
- New account onboarding suspended
- No interest on deposits
- No cashback
- FX costs are a black box. Fiat24 publishes no FX fee, no markup, and no conversion rate methodology
- Premium tiers require F24 token purchase
- All transactions publicly visible on Arbitrum. zero financial privacy by design
- Account recovery requires contacting support
- No iOS app, web app only (browser-based dApp)
GENERAL QUESTIONS.
As a licensed financial institution, we accept our clients in very prudential way. If we believe your domicile, risk profile, or background doesn’t match our business focus, we may not accept the business relationship with you.
In short, Fiat24 NFT is your login credential to your account.
Fiat24 NFTs are a new type of identifier used to create self-owned digital identities for Fiat24 users. They are designed to be globally unique and persistent, meaning that they can be used to establish service relationships between the users and us as a financial institution.
A Fiat24 NFT combines the concepts of user's identity and NFTs to create a new type of digital asset that represents the access credential. In other words, a Fiat24 NFT is an NFT that is associated with an user ID, and represents ownership or proof of authenticity of that ID.
As a Swiss licensed Fintech, we verity client's identity before our services can be activated. All client's identity and risk data are verified and stored centrally inside our premise, not exposed to the blockchain network. The Swiss regulatory framework gives clients unbeatable trust to us as their data keeper.
If you connect your wallet with Fiat24 https://app.fiat24.com for the first time, you will be guided to choose a free number.
All account (NFT) numbers with 5 or 6 digits are available with the cost of 1 F24 token (or equivalent of Ether), together with around 0.02 USD equivalent value of Ether (Arbitrum) to pay the gas fee in order to acquire/mine the NFT on the network.
However, one- to four-digit premium account numbers are more expensive and only for small group of people with consuming specific amount of F24 tokens, or if the user can pay in Ether directly in their wallet.
No, Fiat24 does NOT offer (1) Account Statement or Monthly Statement, or (2) Tax document. If you have doubts about how to proceed with regard to your taxes, please contact a tax advisor.
No, each individual should have only one account in Fiat24. If you apply for a second time with a new NFT account number, your second registration will be rejected.
This applies even if the previous account has been closed, so you cannot open a new account even if you have closed the previous one.
