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COMPANY detail
UR CARD
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CARD FEATURE OVERVIEW.
TIERS
ADD TO WATCHLIST
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W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 2%
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
HYBRID
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$0
DAILY LIMIT
€2000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
€12/MO
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 2%
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
HYBRID
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$0
DAILY LIMIT
€10,000
GET THE CARD
BASIC
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 2% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | HYBRID |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | €2000 |
PRO
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | €12/MO |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 2% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | HYBRID |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | €10,000 |
Last Updated: Sep 15, 2026
REGIONAL AVAILABILITY
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Available
Restricted
Not Specified
- Basic users do not have EUR/CHF bank-transfer functionality. Pro users can receive and send EUR/CHF via SEPA/SWIFT free of charge.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Swiss IBAN account with multicurrency support
- 0% off-ramp fee for crypto-to-fiat conversion
- No annual fee for card
- Mastercard acceptance worldwide
- Apple Pay, Google Pay, and Alipay integration
- Spend USDe directly via card
- USDe staking rewards with weekly payouts
- Licensed and regulated by FINMA
CONS
[ LIMITATIONS ]
- Virtual card only
- No ATM withdrawal support
- No cashback or rewards on card spending
- FX fees apply (0-2%) depending on currency scenario
- Basic tier cannot receive EUR/CHF bank transfers (Pro only)
- USD payouts cost $50 flat fee regardless of tier
- Account limit is shared across all activities (CHF 30K/month)
- No deposit protection, funds not insured
GENERAL QUESTIONS.
UR (pronounced "You Are") is a next-generation borderless smart money app that makes it easy to spend and off-ramp, all in one simple and unified app. Built for both crypto natives and the crypto curious, UR simplifies the way people and businesses move between digital assets and fiat currencies. Fast and intuitive, UR turns complex crypto workflows into a seamless everyday experience.
Seamless Offramp Instantly convert crypto to fiat with near-zero fees, from any wallet or supported blockchain.
Regulated & Trusted Operates under a Swiss fintech license with full KYC/AML compliance.
Global Reach Available in 45+ countries with support for major fiat currencies.
Spend Anywhere Use your Mastercard debit card for everyday purchases, both online and offline.
Bank-Level Services Access multicurrency Swiss IBANs for transfers (SEPA, SWIFT). Currently supports EUR and CHF.
Onchain Transparency All deposits and card transactions are tokenized and settled on Mantle Network for speed, security, and verifiability.
UR offers two membership tiers—Basic and Pro—so you can choose the plan that best fits your needs. Both tiers give you access to UR’s products and services, while Pro members enjoy lower fees, exclusive perks, and additional features
https://docs.ur.app/hc/en-us/articles/13918670555663-UR-Memberships