THORWALLET CARD
CARD FEATURE OVERVIEW.
| 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 | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $10,000 |
| DAILY LIMIT | $50,000 |
| 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 | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $10,000 |
| DAILY LIMIT | $500,000 |
| 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 | 10,000,000/MO |
$TITN Token & Fee Tiers
$TITN is THORWallet's utility token. Staking unlocks lower swap fees and community perks across the platform. No longer tied to cashback caps (cashback is now flat 0.5% on Premium regardless of $TITN stake).
- Premium is no longer a subscription. It's now a one-time payment of $99 (with invite code) or $124 (without). Basic also is free if you have invite code.
Cashback has been simplified from a tiered spend system (1%–2% based on monthly spend, capped by $TITN stake) to a flat 0.5% USDC on every Premium purchase, capped at the first $5,000 of monthly spend ($25 max/month). $TITN staking no longer affects cashback rates or caps.
THE REAL STORY ON THIS CARD.
- Free Basic tier with invite code
- Free Swiss IBAN tier with Swiss IBAN + SEPA
- Premium includes physical card + 0.5% USDC cashback
- 0% crypto top-up fees on Basic & Premium
- Self-custodial
- 175+ countries including the US
- Multicurrency support on Swiss IBAN (CHF, EUR, USD, RMB)
- Transparent fees and limits fully documented
- Up to $10M monthly limit (Swiss IBAN)
- 20,000+ tokens supported for top-ups
- Cards ready in ~5 minutes
- Referral discounts: Basic free, Premium 20% off
- KYC mandatory
- FX fee at 1.5%
- Swiss IBAN has no cashback and no ATM withdrawals
- Cashback capped at $25/month (0.5% on first $5K spend)
- Physical card only available on Premium ($99–$124)
- Card features only accessible via mobile app
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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