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COMPANY detail
FIRMA CARD
Not a Bank. Just Better Money
PRE-LAUNCH
This card is not yet live. Features, terms, and benefits are based on publicly available information and preliminary specifications and may change prior to launch. This breakdown will be updated as additional details become available and once the card officially launches.
CARD FEATURE OVERVIEW.
CARD NAME
FIRMA CARD
ADD TO WATCHLIST
REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
NOT DISCLOSED
CASHBACK
0%
NEED KYC
YES
FX FEE
1%
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
NOT DISCLOSED
GET THE CARD
FIRMA CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | NOT DISCLOSED |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 1% |
| 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 | NOT DISCLOSED |
Last Updated: Sep 10, 2026
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified
Daily rewards paid straight to your balance, automatic, no action needed. Firma compares this to 0-0.5% bank interest.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Fully self-custodial
- Zero transaction fees to send or receive money; 1:1 free top-ups
- Swiss-regulated (SRO VQF) with 1:1 cash backing
- Firma tokens run on eCash (XEC), no smart-contract attack surface or admin freeze levers
- Instant 24/7 settlement on ACH, FedWire, SEPA, SIC, and SWIFT
- Own CHF, EUR & USD account numbers after a quick KYC
- Multi-currency support with market-rate FX within 1%
- Swiss QR-bill payments
- Daily rewards paid automatically to your balance
- Broader stablecoin support: USDC, USDT, EURC, ZCHF, plus SOL and ETH
- Biometric passkey security with Apple/Google passkey or hardware key support
CONS
[ LIMITATIONS ]
- Card still "coming soon"
- Card issuing partner undisclosed
- Card issuance fees, ATM, and spend limits not yet published
- Very limited geographic availability: Switzerland primary; EU only via reverse solicitation
GENERAL QUESTIONS.
Firma allows you to send and receive money instantly, without fees. It's designed for individual and business use, all while you maintain full ownership of your funds.
Getting started is simple!
Download the Firma app and sign up in 10 seconds or less. Add funds using your local bank, stablecoins, or card. Start using it immediately to spend, receive, exchange money or hold CHF, EUR and USD.
Firma has zero transaction fees to send and receive money. Unlike traditional banks or payment processors, you keep 100% of your money. There are no hidden fees, no gas fees, and no transfer fees.
Everywhere. Top up and withdraw with your local bank, then send and receive money instantly to anyone in the world with zero fees.
Hold and exchange CHF, EUR and USD, and keep full self-custody of your funds - all from a Swiss-regulated company.
Firma transfers are lightning-fast.
Payments arrive instantly, anywhere in the world. This is significantly faster than traditional bank transfers, which can take days.
You can withdraw your funds anytime, without limits. Withdraw to flat currency or other major cryptocurrencies in seconds, with no waiting periods or complicated steps. Your funds are always yours to control.
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