imToken Card
Co-branded multi-currency Mastercard of the self-custodial wallet imToken, issued by the Swiss fintech Fiat24: a cash account in USD, EUR, CHF and RMB (CNH) with a Swiss IBAN, topped up with ERC-20 tokens such as ETH, USDC and USDT or by wire transfer. Access is tied to a Fiat24 account NFT (minting 0.001 ETH). 1% fee on token top-ups; no FX, conversion, transaction or annual fees.
Base cashback
Max cashback
Base fee
FreeShow source
FX fee
0%Show source
ATM fee
Card fee
FreeConditions apply: tap or hover for detailsShow source
Credit line
NoShow source
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- No FX markup from the issuer
- Spends stablecoins directly
Cons
No disadvantages derived from the published data yet.
Good for
- Stablecoin holders
- Frequent travellers
Not for
Not enough data to say.
Risks to understand
- Stablecoins can de-peg and are not covered by deposit protection.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to imToken Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees5/15
- Annual fee
FreeShow source
- Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Account NFT minting fee 0.001 ETH applies
- FX fee
0%Show source
- Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Token top-ups; fiat deposits free
- Other fees & markups
Account NFT minting fee 0.001 ETH · Additional charges may apply for settlements and exchange rate discrepanciesShow source
Not yet researched: Monthly fee, Physical card fee, Replacement fee, Crypto conversion fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards1/14
- Cashback type
NoneConditions apply: tap or hover for detailsShow source
A rebate plan is announced
Not yet researched: Base cashback, Max cashback, Cashback paid in, Interest on balance, Cashback-eligible spend cap, Max cashback per month, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing1/11
- Credit line
NoShow source
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies2/4
- Account / spend currencies
USD · EUR · CHF · CNHShow source
- Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN
Not yet researched: Available in, Not available in.
Features, wallets & supported assets3/11
- Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Top up with USDC or USDT
- Spendable assets
ETH · USDC · USDTConditions apply: tap or hover for detailsShow source
Major ERC-20 tokens for top-ups
- Blockchains
Ethereum · ArbitrumShow source
Not yet researched: Apple Pay, Google Pay, Physical card, Virtual card, ATM withdrawals, Airport lounge access, Travel / rental car insurance, Purchase protection.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product5/7
- Product status
ActiveShow source
- Card type
Debit cardConditions apply: tap or hover for detailsShow source
Spends the Fiat24 multi-currency cash account
- Network
MastercardShow source
- Custody model
HybridConditions apply: tap or hover for detailsShow source
Tokens in the self-custodial imToken wallet; top-ups become a fiat cash account at Fiat24
- Card issuer / program manager
Fiat24 (Switzerland)Show source
Not yet researched: Launch date, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 1.00% | 20% | 88 |
Cashback & rewards No cashback programme | 20% | 0 |
Availability | 15% | No data — excluded |
FX & international FX fee 0% | 10% | 100 |
Product features | 10% | No data — excluded |
Custody & security Custody model: hybrid | 10% | 70 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM | 5% | No data — excluded |
Transparency 5 of 5 checked key terms disclosed | 5% | 100 |
Data coverage 70%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does imToken Card have an annual or monthly fee?
Base tier: Free. Source: imToken Card | Spend your tokens, under your Control.
What is the FX fee of imToken Card?
0%. Source: imToken Card | Spend your tokens, under your Control.
Is imToken Card a credit card?
No. It is a debit card (spends the fiat24 multi-currency cash account); you spend your own balance.
Is imToken Card self-custodial?
Hybrid (Tokens in the self-custodial imToken wallet; top-ups become a fiat cash account at Fiat24).
Change history17 entries
- Product status recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- Virtual card fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Top-up fee recorded · 22 October 2026 · auto-approved
- Other fees & markups recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Own IBAN / bank details recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Spendable assets recorded · 22 October 2026 · auto-approved
- Blockchains recorded · 22 October 2026 · auto-approved