THORWallet IBAN Card
Card currency CHF, EUR, USD, CNY
- Custody
- Hybrid custody
- Network
- Mastercard
- Card types
- Virtual only
- Wallets
- Unknown
Partly verified · 8 of 12 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
THORWallet IBAN Card is a virtual crypto card. Payments run on the Mastercard network. The card currencies are CHF, EUR, USD, CNY.
Funding and spending
Your crypto stays in your wallet until you load it into a card balance held by the issuer. You can top it up by crypto. You can reload it after the first load. The card is funded from the THORWallet balance across all supported chains and 20,000+ tokens; other assets are swapped in-app first.
Fees
It has no card issuance fee. It has no annual fee. It has no monthly fee. The foreign currency fee is 0.25% to 1%, depending on tier. The top-up fee is 0.25% to 1%, depending on tier. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the crypto conversion spread and ATM withdrawal fee yet.
Limits and rewards
The issuer says you cannot withdraw cash at ATMs. Daily spending limit: USD 10,000 to USD 100,000, depending on tier. Monthly spending limit: USD 20,000 to USD 200,000, depending on tier.
Signing up
You can apply in 167 countries. That includes 44 in Europe, 38 in Africa and 34 in Asia. You cannot apply in 26 countries, including China and India. Where the issuer states who can apply, you need to be a resident of the country.
How we check
We last checked this card on 15 Oct 2026, against 3 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Tiers compared
| Fee or limit | Gold | Platinum | Standard |
|---|---|---|---|
| Foreign currency (FX) | 0.5% | 0.25% | 1% |
| Top-up | 0.5% | 0.25% | 1% |
| Daily spend | USD 100,000 | USD 100,000 | USD 10,000 |
| Monthly spend | USD 200,000 | USD 200,000 | USD 20,000 |
Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Pros and cons of THORWallet IBAN Card
Pros
- No annual or monthly fee
- Low foreign exchange fee: 0.25% to 1%
- No card issuance fee
- Spending limit of at least USD 20,000 a month
- You can apply in 167 countries
Cons
- 4 of 12 key facts are not verified yet
Who it suits
- Frequent travellers, as foreign exchange fees are low
- Heavy spenders, as the limits are high and the fees stay low
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
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Limits
Rewards
We don't know the rewards for this card yet. We never assume a card has none.
Top-up assets and networks
The card is funded from the THORWallet balance across all supported chains and 20,000+ tokens; other assets are swapped in-app first.
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Virtual card only: nothing is shipped.
Rules the issuer states
- The card works anywhere Mastercard is accepted, across 175+ countries including the United States.Checked 03 Oct 2026agingsource
No country matches your search.
No information for 1 country yet
Frequently asked questions about THORWallet IBAN Card
Is THORWallet IBAN Card a virtual or a physical card?
THORWallet IBAN Card is a virtual card only.
Can I withdraw cash from an ATM with THORWallet IBAN Card?
No. The issuer says you cannot withdraw cash at ATMs.
How do I top up THORWallet IBAN Card?
You can top it up by crypto. The top-up fee is 0.25% to 1%, depending on tier.
Which crypto can I use with THORWallet IBAN Card?
The card is funded from the THORWallet balance across all supported chains and 20,000+ tokens; other assets are swapped in-app first.
Does THORWallet IBAN Card have an annual fee?
No. THORWallet IBAN Card has no annual fee. The conditions are listed in the fees table on this page.
What does THORWallet IBAN Card charge on payments in a foreign currency?
The foreign currency fee is 0.25% to 1%, depending on tier.
What are the spending and ATM limits of THORWallet IBAN Card?
Daily spending limit: USD 10,000 to USD 100,000, depending on tier. Monthly spending limit: USD 20,000 to USD 200,000, depending on tier.
In which countries can I apply for THORWallet IBAN Card?
You can apply in 167 countries. That includes 44 in Europe, 38 in Africa and 34 in Asia. You cannot apply in 26 countries, including China and India.
Sources
- Fees pageThorwallet iban mastercardfaqs.thorwallet.orgChecked 02 Oct 2026
- Other official pageCardsthorwallet.orgChecked 15 Oct 2026
- Supported countriesCard countriesthorwallet.orgChecked 15 Oct 2026
- Cardholder termsTermsthorwallet.org
- Cardholder termsLegaldocs.fiat24.com