SafePal Mastercard
Virtual Mastercard debit card linked to a Swiss IBAN account that SafePal wallet users open with Fiat24 in the SafePal app. Crypto from 40+ blockchains is topped up as USDC; transactions run on Arbitrum. No account or management fees, 1% on non-USD card payments, no cashback.
Base cashback
Max cashback
Base fee
FreeShow source
FX fee
1%Conditions apply: tap or hover for detailsShow source
ATM fee
Card fee
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
- Apple Pay and Google Pay
- Spends stablecoins directly
Cons
No disadvantages derived from the published data yet.
Good for
- Stablecoin holders
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 SafePal Mastercard:
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
Fees6/15
- Annual fee
FreeShow source
- Monthly fee
FreeShow source
- FX fee
1%Conditions apply: tap or hover for detailsShow source
Card payments settled in non-USD currencies
- Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Standard deposit/top-up fee; crypto swaps carry a spread and gas fees
- Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Transfers to external banks; other banks may charge
- Other fees & markups
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source
Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees
Not yet researched: Physical card fee, Virtual card fee, Replacement fee, Crypto conversion fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Settlement fee, Small transaction fee.
Cashback & rewards0/14
No cashback & rewards data published or researched yet.
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 via Fiat24
Not yet researched: Available in, Not available in.
Features, wallets & supported assets5/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Virtual card
YesShow source
- Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Crypto is topped up as USDC
- Blockchains
ArbitrumShow source
Not yet researched: Physical card, ATM withdrawals, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets.
Security & custody0/3
No security & custody data published or researched yet.
Limits1/2
- Spending limit
€5,000Conditions apply: tap or hover for detailsShow source
Per day; contactless 1,600 EUR per day
Not yet researched: ATM limit.
Product4/7
- Product status
ActiveShow source
- Card type
Debit cardShow source
- Network
MastercardShow source
- Card issuer / program manager
Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source
Offered in collaboration with SafePal; the page does not name the card issuer separately
Not yet researched: Custody model, Launch date, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 0.00% | 20% | 100 |
Cashback & rewards | 20% | No data — excluded |
Availability | 15% | No data — excluded |
FX & international FX fee 1% | 10% | 60 |
Product features 4 of 4 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security | 10% | No data — excluded |
Credit & financing No credit line | 5% | 30 |
Limits & ATM | 5% | No data — excluded |
Transparency 4 of 4 checked key terms disclosed | 5% | 100 |
Data coverage 50%. 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 SafePal Mastercard have an annual or monthly fee?
Base tier: Free. Source: Fee Rates for the SafePal Fiat Gateway and Mastercard — SafePal Help Center.
What is the FX fee of SafePal Mastercard?
1% (Card payments settled in non-USD currencies). Source: Fee Rates for the SafePal Fiat Gateway and Mastercard — SafePal Help Center.
Is SafePal Mastercard a credit card?
No. It is a debit card; you spend your own balance.
Does SafePal Mastercard work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history21 entries
- Other fees & markups ["Refund processing fee 1 USD / 1 EUR / 1 CHF per refund","Gas fees on Arbitrum","Spread on crypto swaps"] → ["Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency","Gas fees on blockchain transactions"] · 25 October 2026 · approved
- Google Pay not disclosed → true · 25 October 2026 · approved
- Apple Pay not disclosed → true · 25 October 2026 · approved
- Card issuer / program manager "Fiat24 (Swiss IBAN account and card)" → "Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)" · 25 October 2026 · approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Top-up fee recorded · 22 October 2026 · auto-approved
- Transfer fee recorded · 22 October 2026 · auto-approved
- Other fees & markups recorded · 22 October 2026 · auto-approved
- Product status recorded · 22 October 2026 · auto-approved
- Own IBAN / bank details recorded · 22 October 2026 · auto-approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Blockchains recorded · 22 October 2026 · auto-approved
- Spending limit recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved