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COMPANY detail
THORWALLET CARD
DIGITAL SWISS ACCOUNT
CARD FEATURE OVERVIEW.
TIERS
ADD TO WATCHLIST
REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
$5
CASHBACK
0%
NEED KYC
YES
FX FEE
1.5%
APR / YIELD
NO
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
HYBRID
MOBILE PAY
YES
BANK TRANSFER
NOT DISCLOSED
ATM LIMIT
$10,000
DAILY LIMIT
$50,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$124
CASHBACK
0.5%
NEED KYC
YES
FX FEE
1.5%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
HYBRID
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
$10,000
DAILY LIMIT
$500,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
1%
APR / YIELD
NO
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
HYBRID
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
10,000,000/MO
GET THE CARD
BASIC
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $5 |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 1.5% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | HYBRID |
| MOBILE PAY | YES |
| BANK TRANSFER | NOT DISCLOSED |
| ATM LIMIT | $10,000 |
| DAILY LIMIT | $50,000 |
PREMIUM
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $124 |
| CASHBACK | 0.5% |
| NEED KYC | YES |
| FX FEE | 1.5% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | HYBRID |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $10,000 |
| DAILY LIMIT | $500,000 |
SWISS IBAN
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 1% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | HYBRID |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | 10,000,000/MO |
Last Updated: Oct 10, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified
$TITN Token & Fee Tiers
$TITN is THORWallet's utility token. Staking unlocks lower swap fees, USDC fee rebates and community perks across the platform. Premium card cashback is now separate from $TITN staking: eligible Premium members earn a flat 0.5% USDC cashback on qualifying Unblock card purchases, regardless of their $TITN stake.
Membership pricing
Premium: $99 with a valid invite code or $124 without — one-time payment, no subscription.
Basic: Free with a valid invite code; otherwise, a one-time $5 activation fee.
Cashback changes
The previous tiered cashback structure has been replaced by a flat 0.5% USDC rate on qualifying Premium card purchases. The monthly qualifying-spend cap is $5,000 during months 1–12 ($25 maximum cashback/month), then drops to $2,000 from month 13 onward ($10 maximum/month).
$TITN staking no longer determines the Premium membership cashback rate or cap. However, staking continues to unlock separate swap-fee discounts, USDC fee rebates and community benefits.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- BASIC VIRTUAL CARD FREE WITH INVITE CODE
- PREMIUM VIRTUAL + PHYSICAL CARD
- 0% CARD TOP-UP FEE — BASIC AND PREMIUM
- 0.5% USDC CASHBACK — PREMIUM, SUBJECT TO CAPS
- UP TO $500,000 DAILY POS SPENDING — PREMIUM
- UP TO $1,000,000 MONTHLY POS SPENDING — PREMIUM
- SELF-CUSTODY OF CRYPTO BEFORE CARD TOP-UP
- SWISS IBAN + SEPA TRANSFERS — SWISS IBAN OPTION
- MULTICURRENCY ACCOUNT: CHF, EUR, USD, RMB
- APPLE PAY, GOOGLE PAY AND SAMSUNG PAY — FIAT24
CONS
[ LIMITATIONS ]
- CONS
- 1.5% FX MARKUP — BASIC AND PREMIUM
- 1% FX MARKUP — SWISS IBAN
- $5 BASIC MEMBERSHIP ACTIVATION WITHOUT INVITE CODE
- $124 PREMIUM MEMBERSHIP WITHOUT INVITE CODE
- PREMIUM CASHBACK CAP FALLS AFTER 12 MONTHS
- CASHBACK EXCLUDES SPECIFIED TRANSACTION CATEGORIES
- SWISS IBAN CRYPTO TOP-UP FEE: 0.25%–1%
- NO CASHBACK ON SWISS IBAN
- NO ATM WITHDRAWALS — SWISS IBAN
- UNBLOCK MOBILE-PAYMENT SUPPORT NOT DISCLOSED
GENERAL QUESTIONS.
The card works anywhere Mastercard is accepted, across 175+ countries including the United States. Most countries open instantly; a few require extra verification and a small number aren't served yet. Use the searchable list above to check your country.
Yes. Your wallet balance stays in self-custody - your keys never leave your device. You top up the card from your wallet when you want to spend, so you stay in control of your funds.
A virtual Basic card is ready in about five minutes, straight from the app. The Swiss IBAN account adds a personal Swiss account with SEPA transfers.
Crypto top-ups are 0% on Basic and Premium, and 0.25-1% on Swiss IBAN. FX markup is 1.5% on Basic and Premium, and 1% on Swiss IBAN. ATM withdrawals cost $1 (domestic) or $5 (international) on Basic and Premium, and are not available on Swiss IBAN.
All fees are indicative and may vary by jurisdiction and verification status.
The Swiss IBAN account gives you a personal Swiss IBAN with SEPA transfers and a multicurrency Mastercard in CHF, EUR, USD and RMB. You can send and receive money like a traditional account, with monthly limits up to $10M.
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