Swiss-regulated, virtual-only Mastercard debit card for direct on-chain crypto-to-fiat spending.
UR Card is a Swiss-based virtual-only Mastercard debit card enabling crypto-to-fiat spending. It supports multicurrency accounts, on-chain crypto deposits (ETH, USDC, USDT, USDe), and instant conversion to fiat for global spending via major mobile wallets. Regulated under Switzerland’s FINMA FinTech license, it is available in 45+ countries but not the U.S.
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Crypto-natives in Europe/Asia needing a Swiss-regulated, zero-fee USDC/USDT off-ramp.
You are a U.S. Person, need a physical card, or require deposit insurance.
The UR Mastercard Virtual Debit is a Swiss-regulated virtual prepaid card that bridges on-chain cryptocurrency holdings with traditional fiat spending through FINMA-supervised infrastructure. It offers a personal Swiss IBAN, multi-currency accounts, and real-time crypto-to-fiat conversion. The card is virtual-only and integrates with major mobile payment systems like Apple Pay, Google Pay, and Samsung Pay.
Card Issuance: Free. Crypto Deposits: Free (gas fees apply). Crypto Off-ramp (USDC/USDT): 0% (unlimited). FX Conversion: 1% on weekdays, 1.05% on weekends. Bank Transfers (SEPA/SWIFT): Free (recipient fees may apply). Invalid Deposit Processing: 10 EUR/CHF. Spending Limits: €10,000 daily, €20,000 monthly (fixed).
Virtual-only Mastercard with instant activation. Provides a personal Swiss IBAN and supports multicurrency accounts (CHF, EUR, USD, RMB, JPY, HKD, SGD). Features 0% fee off-ramps for USDC/USDT and free SEPA/SWIFT bank transfers. In-app card controls include freeze, alerts, and transaction management. Supports on-chain deposits from Arbitrum, Base, Ethereum, and Mantle networks.
Available in 44 countries across Europe, Asia, Oceania, Americas, and Africa. Restricted in 54 countries. Key regions missing: United States, India, Mexico, Turkey, South Africa. U.S. Persons (including U.S. citizens, residents, green card holders, and nationals of Puerto Rico, Guam, American Samoa, Northern Mariana Islands, U.S. Minor Outlying Islands) entirely excluded.
Instant for crypto deposits
Risk note. If the provider disappears, users lose access to funds held on the platform.
Swiss IBAN assignment after verification for Pro members. SEPA, SWIFT, and SIC payment integration. Bank transfers available only for Pro tier ($24/month). Bank withdrawals generally require you to first deposit a small amount from the same bank account. Withdrawals are then limited to that same verified account for compliance purposes.
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Crypto-native users who frequently convert cryptocurrency to fiat for everyday spending, European and Asian residents seeking regulated crypto-to-fiat solutions with Swiss oversight, and mobile-first spenders who prefer digital wallet payments over physical card transactions.
UR Mastercard Virtual Debit represents a sophisticated virtual-only Mastercard solution that successfully bridges on-chain cryptocurrency holdings with traditional fiat spending through Swiss regulatory infrastructure. The platform's standout features include direct crypto integration, zero off-ramp fees for major stablecoins, and regulated Swiss oversight. It excels for crypto-native users in supported markets who prioritize mobile wallet spending and value unlimited zero-fee crypto conversion.
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