THORWALLET CARD DIGITAL SWISS ACCOUNT
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 1.5% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $12,500 |
| DAILY LIMIT | $62,500 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $6.25/MONTH |
| CASHBACK | UP TO 2% |
| NEED KYC | YES |
| FX FEE | 0.5% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $12,500 |
| DAILY LIMIT | $62,500 |
| 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 | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
THE REAL STORY ON THIS CARD.
- Free Basic tier with virtual Mastercard
- Free Swiss Banking tier with Swiss IBAN + SEPA
- Premium tier offers physical card + up to 2% cashback
- 0% crypto top-up fees on Basic & Premium
- Self-custodial
- Multicurrency support on Swiss Banking (CHF, EUR, USD, RMB)
- Transparent fees and limits fully documented
- Up to $10M monthly limit (Swiss Banking)
- 20,000+ tokens supported for top-ups
- Basic FX fee at 1.5% is above average
- Swiss Banking has no cashback and no ATM withdrawals
- Cashback capped at $5–$15/month (Premium)
- Physical card only available on Premium ($75/yr)
- $TITN required to maximize cashback caps and reduce swap fees
GENERAL QUESTIONS.
Your fiat is stored in your Swiss IBAN, provided by Fiat24 and safeguarded under Swiss financial regulations. The Fiat is held by the Swiss National Bank.
The crypto is always in your own custody.
Yes, you will receive a personal IBAN linked to your account for fiat transactions.
The fees for crypto top-ups and foreign exchange (FX) swaps vary based on your card tier:
Standard Card: 1% Crypto Top-up & FX Fee
Gold Card: 0.5% Crypto Top-up & FX Fee
Platinum Card: 0.25% Crypto Top-up & FX Fee
The bank account can be topped up with USDC, USDT, ETH (Arbitrum) or via direct bank transfer. You can swap to these assets within the app from various currencies like BTC or SOL. The card itself does not need to be topped up; it directly debits the bank account.
Countries with bank account and debit card on Standard Tier: (monthly transaction limit of $100,000)
Australia (AUS), Austria (AUT), Belgium (BEL), Brazil (BRA), Bulgaria (BGR), Canada (CAN), China (CHN), Croatia (HRV), Cyprus (CYP), Czech Republic (CZE), Denmark (DNK), Estonia (EST), Faroe Islands (FRO), Finland (FIN), France (FRA), Germany (DEU), Greece (GRC), Hong Kong (HKG), Hungary (HUN), Iceland (ISL), Ireland (IRL), Italy (ITA), Japan (JPN), Korea (the Republic of) (KOR), Latvia (LVA), Liechtenstein (LIE), Lithuania (LTU), Luxembourg (LUX), Netherlands (NLD), New Zealand (NZL), Norway (NOR), Poland (POL), Portugal (PRT), Reunion (REU), Romania (ROU), Singapore (SGP), Slovakia (SVK), Slovenia (SVN), Spain (ESP), Svalbard and Jan Mayen (SJM), Sweden (SWE), Switzerland (CHE), Taiwan (TWN), United Kingdom (GBR), Åland Islands (ALA).
Countries with bank account only on Standard Tier: (monthly transaction limit of $1,000)
Users of the following countries get access to the bank account only and no debit card in the free tier. For users of the countries below, the card can only be unlocked with an upgarde to a higher tier card (Gold and Platinum).
Andorra (AND), Argentina (ARG), Armenia (ARM), Costa Rica (CRI), Dominica (DMA), Dominican Republic (DOM), Malaysia (MYS), Mexico (MEX), North Macedonia (MKD), Turkey (TUR), Uruguay (URY). Bangladesh (BGD), Chile (CHL), Colombia (COL), Georgia (GEO), India (IND), Indonesia (IDN), Peru (PER), San Marino (SMR), Thailand (THA).
