Fiat24 Card
0%
Free
17 countries
Fiat24 is a Swiss FINMA-regulated Web3 banking platform that runs its accounts entirely on the Arbitrum network, pairing a Swiss IBAN in the user's own name with a virtual debit card. Because balances live on-chain, funds remain non-custodial and can be moved without the provider. It charges about 1% to top up (converting crypto to your on-chain fiat balance) and then spends at 0% FX and 0% conversion, with no monthly fee. Rewards come via F24 loyalty tokens rather than cashback, and coverage is European.
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What it really costs to spend crypto
From loading your wallet to paying at the till.
Estimated from provider rates; the conversion spread can vary.
Fee breakdown
Spending limits
Limits shown are for the standard tier and may increase with higher tiers or verification.
Supported coins
Supported networks
Crypto features
Availability
Not available in: KP, IR, SY, CU
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Fiat24 Card FAQ
Fiat24 Card holds a trust score of 6.5/10 on NomadCard, drawn from user reviews on Reddit, Trustpilot, and the app stores. Some users report issues — skim the community forums before you apply.