Non-custodial virtual MasterCard linked to a Swiss IBAN, funded by USDC on Arbitrum.
The THORWallet Card is a virtual MasterCard debit card linked to a Swiss IBAN account, designed for crypto users who want to spend digital assets globally while retaining self-custody until conversion. The card enables direct top-ups with USDC (Arbitrum), instantly converting to fiat for spending at any MasterCard-accepting merchant.
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DeFi users valuing self-custody, Swiss banking security, and high spending limits.
You need a physical card, instant cashback, or live in the United States.
THORWallet Card represents a bridge between decentralized finance and traditional banking, combining a Swiss-based IBAN bank account with a globally accepted MasterCard. The card's primary distinction is its non-custodial approach, allowing users to maintain control of their crypto assets until the moment of conversion for spending. It operates through a partnership with Fiat24, a FINMA-licensed Swiss fintech providing the underlying banking infrastructure. The card is virtual only and supports Apple Pay, Google Pay, and Samsung Pay.
THORWallet Card fees are structured around a tiered system with no monthly or annual fees. The primary fees are for crypto top-ups and FX conversions, which are unified per tier: 1.0% for Standard, 0.5% for Gold, and 0.25% for Platinum. Upgrading to the Gold tier requires a one-time fee of 1.5 ETH, and the Platinum tier requires 15 ETH. Bank wire top-ups via SEPA/SWIFT are free of charge across all tiers.
The card is a virtual MasterCard linked to a full Swiss IBAN account with multi-currency support (CHF, EUR, USD, CNY). It is compatible with Apple Pay, Google Pay, and Samsung Pay for contactless and online payments. The platform offers high spending limits, reaching up to $200,000 per month for premium tiers, and bank transfer limits up to $10,000,000 per month. All banking and card features are managed exclusively through the THORWallet mobile app.
Card issued to residents of ~65 countries; Swiss IBAN account in 100+ countries; card accepted for spending in 100+ countries worldwide. Available (39 countries with full card access). Restricted (25 countries - bank account only on Standard tier or fully excluded).
Instant settlement once confirmed with funds immediately available
Risk note. If the provider disappears, unconverted crypto remains accessible to the user. Fiat held in the IBAN account is subject to Swiss banking protections.
This is a prepaid debit card, not a credit card
Swiss IBAN Account with multi-currency support (CHF, EUR, USD, CNY). Fiat funds held directly at Swiss National Bank as 100% reserves. Free SEPA and SWIFT transfers for top-ups.
Positive: App design, customer service, non-custodial philosophy. Critical: Lack of physical cards, delayed card-spend cashback implementation. Good technical reliability with no significant reports of downtime or transaction failures.
DeFi power users who actively participate in decentralized finance and value self-custody of their crypto assets, international travelers who need multi-currency support, high-volume crypto spenders who can benefit from lower conversion fees of premium tiers, and privacy-conscious users who prefer Swiss banking protections.
THORWallet Card represents a significant innovation in the crypto-banking space, offering a unique blend of decentralized finance principles with traditional Swiss banking infrastructure. Its standout features include the non-custodial approach to crypto management, the Swiss IBAN account with multi-currency support backed by the Swiss National Bank, and the high transaction limits available to premium tier users. The card differentiates itself through its commitment to user control over crypto assets while providing seamless integration with traditional payment systems.
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