SafePal Card
The SafePal Card is a virtual Mastercard attached to a Swiss IBAN account run by Fiat24, opened from the Bank tab of the SafePal wallet. Account opening and upkeep are free; crypto top-ups cost from 0.4%, and there is no cashback.
- Mastercard
- Apple Pay
- Google Pay
- KYC required
- Virtual card
- Custodial
Good
- Swiss IBAN account with free incoming and outgoing wires from SafePal and Fiat24
- No account opening or maintenance fee
- Top up from 40+ blockchains; spend settles on Arbitrum
- Apple Pay, Google Pay and Samsung Pay
Watch out
- No cashback
- Crypto top-ups cost from 0.4%, fiat deposits from 0.6%
- Virtual card only; ATM fee not published
- Card spend has dropped sharply in 2026
Key facts
- Card price
- Freevirtual
- Cashback
- 0%no cashback
- Annual fee
- Free
- Top-up fee
- From 0.4% (crypto)
- FX fee
- 1%
- Daily spend limit
- €5,000 (contactless €1,600)
Rewards
| Cashback | 0% (no cashback) |
|---|---|
| Referral | Up to 40% of your friends' top-up fees. |
Fees, limits and card details
| Virtual card | Free |
|---|---|
| Monthly fee | Free |
| Annual fee | Free |
| Foreign currency (FX) | 1%On non-USD transactions |
| Top-up | From 0.4% (crypto)0.4% applies at the highest account level; fiat deposits from 0.6%; swap spreads may apply |
| Withdrawal | FreeWires carry no SafePal or Fiat24 fee |
| Spending, per day | €5,000 (contactless €1,600) |
|---|
- Limits can be adjusted; the monthly limit equals the transaction limit.
| Provider | SafePal, with Fiat24 (account and licence) |
|---|---|
| Network | Mastercard |
| Card type | Debit |
| Custody | CustodialFunds sit in a Swiss IBAN account at Fiat24 once topped up. |
| Formats | Virtual cardA physical card is not described officially; DefiLlama data is contradictory. |
| Issuer | Fiat24 |
| IBAN account | Yes |
| Wallets | Apple Pay: Yes; Google Pay: YesSamsung Pay and PayPal also supported. |
| Launched | November 2023 |
| Required | KYC required |
|---|
- Apply in the Bank tab of the SafePal app; the card is available right after approval.
Official links
Availability
Available (7)
Australia, Austria, Belgium, Canada, Cyprus, Czechia, Switzerland
Other countries are unknown: the provider does not publish a full list.
Provider's claim: 42 countries (DefiLlama).
The official region list was not read; only part of the 42 countries is named.
Supported cryptocurrencies
- USDC
Supported networks
- Arbitrum
Bank and card top-ups
Swiss IBAN transfers.
- Crypto from 40+ blockchains is converted to USDC (default) or fiat; card spend settles on Arbitrum.
Community review
App Store
4.7 out of 5 from 17,295 ratings
App: SafePal: Crypto Wallet BTC NFT
Our rating
4.2 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 6.0 | 1.68 |
| Cheapest card$0 | 20% | 10.0 | |
| Yearly cost$0 | 20% | 10.0 | |
| Top-up cost0.4% | 20% | 2.8 | |
| Cost per purchaseUnknown | 15% | 2.0 | |
| FX cost1% | 15% | 6.0 | |
| ATM costUnknown | 10% | 2.0 | |
| Rewards | 18% | 0.0 | 0.00 |
| Cashback at $1,000 a month0% | 75% | 0.0 | |
| Reward currencyNo cashback | 15% | 0.0 | |
| Perks0 | 10% | 0.0 | |
| Availability | 14% | 4.4 | 0.62 |
| Countries7 countries | 70% | 2.0 | |
| Apple Pay and Google Pay10 of 10 | 30% | 10.0 | |
| Limits | 7% | 2.5 | 0.18 |
| Spending capacity a day$5,000 | 70% | 2.7 | |
| Cash a dayUnknown | 30% | 2.0 | |
| Custody | 7% | 3.0 | 0.21 |
| Track record | 7% | 9.7 | 0.68 |
| Age35 months | 50% | 9.4 | |
| IssuerNamed | 30% | 10.0 | |
| IncidentsNone | 20% | 10.0 | |
| Data completeness | 6% | 8.0 | 0.48 |
| KYC and privacy | 5% | 4.0 | 0.20 |
| Networks and coins | 5% | 0.0 | 0.00 |
| Networks1 | 50% | 0.0 | |
| Coins1 | 50% | 0.0 | |
| App ratings | 3% | 6.7 | 0.20 |
| Total | 100% | 4.24 = 4.2 |
Each criterion is scored 0 to 10, rounded to 0.1, then multiplied by its weight. Unknown values score 2.
How to get the card
- Open the SafePal app and go to the Bank tab.
- Pass identity verification for the Fiat24 account.
- Top up with crypto (converted to USDC) or by bank transfer, then use the virtual card.
Questions
How much does the SafePal Card card cost?
Getting a SafePal Card card is free. Annual fee: Free. Top-up fee: From 0.4% (crypto).
Does SafePal Card pay cashback?
No, SafePal Card does not pay cashback.
Does SafePal Card require KYC?
Yes, SafePal Card requires identity verification before you get the card. Apply in the Bank tab of the SafePal app; the card is available right after approval.
Can I add SafePal Card to Apple Pay or Google Pay?
Yes, SafePal Card works with Apple Pay and Google Pay. Samsung Pay and PayPal also supported.
Which coins and networks can I use to top up SafePal Card?
Coins: USDC. Networks: Arbitrum.
What are the SafePal Card spending limits?
Per day: €5,000 (contactless €1,600).
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Before you order
The Order card button is an affiliate link: we may earn a commission if you sign up. It does not change the rating or the order of the catalog.
This page is not financial advice. Terms change often; check fees, limits and availability with the provider before you order.
How we rate cards: methodology. How we earn money: affiliate disclosure.
Sources
- Apple App Store listing
- Official website
- DefiLlama
- PaymentScan
Figures are taken from these sources in this order of priority: the provider's own pages, then DefiLlama, then other reviews, then Telegram reports.