#30
Crypto.com Card
6.0/10
Ranked #31 of 32
Overview
THORWallet is a self-custody, multi-chain DeFi superapp (built by DeFi Suisse AG / EMM Ventures AG) whose card is a virtual Mastercard tied to a Swiss IBAN account. You keep your crypto in self-custody — your keys never leave your device — and top up the card from your wallet across 20,000+ tokens when you want to spend. The card works anywhere Mastercard is accepted, with Apple Pay, Google Pay, and Samsung Pay, and the Swiss Banking tier adds a personal Swiss IBAN and SEPA account in CHF, EUR, USD, and RMB. Its real identity is a 'self-custodial bank account + global Mastercard,' not a rewards card.
★ THORWallet Card referral code
THORWA2295
New users who sign up with this code typically get a sign-up bonus once you complete your first eligible purchase. Rewards vary by region and are set by THORWallet Card.
Rating breakdown
How the THORWallet Card scores across the categories we weigh into its overall 5.2/10.
Fees & value5.4
Rewards4.0
Ease of use5.4
Security & custody5.8
Availability5.9
Cashback & rewards
THORWallet card-spend cashback is not active as of early 2026 — it's advertised as 'coming soon' (originally targeted for Q4 2025), and independent reviews list the cashback field as N/A. When it launches, it's planned to pay in $TITN, THORWallet's native (volatile) token, with the cashback rate and monthly cap tied to your $TITN staking tier — so higher stakers would earn more, and the real value would fluctuate with the token's price. Separately (and distinct from card cashback), staking $TITN already provides ecosystem benefits like reduced swap fees and USDC yield rewards. For now, treat THORWallet as a utility/self-custody card with no live card cashback; don't compare it to rewards-first cards on headline percentages until the program goes live.
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Card cashback | Not live — 'coming soon' ($TITN, capped by staking tier) | 0% currently | N/A until launch |
| Basic | Free virtual card | No cashback | N/A |
| Swiss Banking (Standard/Gold/Platinum) | Swiss IBAN account | No card cashback; tiered conversion fees instead | N/A |
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $Not specified |
| Card issuance | Free |
| Card spend (USD)Fee on purchases made in US dollars | 0% top-up on Basic; conversion tiered 1% Standard / 0.5% Gold / 0.25% Platinum |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 1.5% (Basic); 1% (Swiss Banking) |
| ATM withdrawals | $1 domestic / $5 international on Basic |
How to get the THORWallet Card
- 1. Download the THORWallet app (iOS, Android) or use the web app and create a self-custody wallet (your keys stay on your device).
- 2. Complete identity verification (KYC) — required for the card and Swiss account, though the wallet itself is non-custodial.
- 3. Confirm your country can be issued a card (sources cite ~39–65 countries; the Swiss account reaches 100+).
- 4. Get the free virtual Basic card in about five minutes, or open Swiss Banking for a full Swiss IBAN/SEPA account.
- 5. Top up from your THORWallet balance (20,000+ tokens; swap to the settlement asset in-app first if needed).
- 6. Add the card to Apple Pay, Google Pay, or Samsung Pay and spend anywhere Mastercard is accepted.
Pros & cons
Pros
- Genuinely self-custody, your keys and crypto stay on your device until you spend
- Swiss IBAN and SEPA account (CHF, EUR, USD, RMB) with high limits
- Works anywhere Mastercard is accepted; Apple Pay, Google Pay, Samsung Pay
- Top up from 20,000+ tokens across many chains; 0% top-up on Basic
- Among the lowest conversion fees on premium tiers (0.5% Gold, 0.25% Platinum)
- No monthly fee; virtual card ready in ~5 minutes
- Strong app ratings and an active, responsive dev team
Cons
- Card-spend cashback is not live yet — only 'coming soon' (planned in volatile $TITN)
- No physical card, so limited/again-check ATM and in-store swipe support
- Custody is hybrid — funds convert to fiat (and leave self-custody) at the point of spend
- Card issuance limited to ~39–65 countries (sources conflict); US notably missing per one tracker
- FX markup of 1.5% on Basic; KYC required despite non-custodial wallet
- Planned rewards depend on staking $TITN, a volatile token
- Some fee/coverage figures vary by source and verification status
Is It Worth It?
Best for self-custody DeFi users who want a Swiss bank account and a Mastercard tied to their own wallet, and who value control and multicurrency banking over cashback. Strong for multi-chain holders and people who need IBAN/SEPA access alongside crypto spending. A weaker fit for cashback hunters (the program isn't live), anyone needing a physical card or reliable ATM access, or users in the ~countries where card issuance isn't yet supported (reportedly including the US).
Where you can use it
Supported countries
Available in 30 countries
🇦🇹 Austria
🇧🇪 Belgium
🇧🇬 Bulgaria
🇭🇷 Croatia
Cyprus
🇨🇿 Czech Republic
🇩🇰 Denmark
🇪🇪 Estonia
🇫🇮 Finland
🇫🇷 France
🇩🇪 Germany
🇬🇷 Greece
🇭🇺 Hungary
🇮🇸 Iceland
🇮🇪 Ireland
🇮🇹 Italy
🇱🇻 Latvia
Liechtenstein
🇱🇹 Lithuania
🇱🇺 Luxembourg
Malta
🇳🇱 Netherlands
🇳🇴 Norway
🇵🇱 Poland
🇵🇹 Portugal
🇷🇴 Romania
🇸🇰 Slovakia
🇸🇮 Slovenia
🇪🇸 Spain
🇸🇪 Sweden
No match in the supported list.
Not supported
Not available in 30 countries
🇺🇸 United States
🇬🇧 United Kingdom
🇨🇦 Canada
🇦🇺 Australia
🇳🇿 New Zealand
🇯🇵 Japan
🇨🇳 China
🇮🇳 India
🇸🇬 Singapore
🇭🇰 Hong Kong
🇰🇷 South Korea
🇧🇷 Brazil
🇲🇽 Mexico
🇦🇷 Argentina
🇦🇪 United Arab Emirates
🇸🇦 Saudi Arabia
🇹🇷 Turkey
🇿🇦 South Africa
🇳🇬 Nigeria
🇨🇭 Switzerland
Russia
🇺🇦 Ukraine
🇮🇩 Indonesia
🇲🇾 Malaysia
🇹🇭 Thailand
🇵🇭 Philippines
🇻🇳 Vietnam
🇵🇰 Pakistan
🇪🇬 Egypt
Israel
No match in this list.
Availability can change and may depend on your verification status. Always confirm on the provider's official site before signing up.
Frequently asked questions
Does the THORWallet Card offer cashback?
Not yet. Card-spend cashback is advertised as 'coming soon' (planned in $TITN tokens, capped by staking tier) and is currently listed as N/A. Staking $TITN does give separate perks like lower swap fees and USDC yield, but that's not card cashback.
Is the THORWallet Card available in my country?
The card can be issued in roughly 39–65 countries (sources vary), while the Swiss IBAN account reaches 100+. One tracker lists the US, South Korea, Singapore, and UAE as not served for the card. Check the in-app country list.
Does the THORWallet Card require KYC?
Yes, for the card and Swiss account. The underlying DeFi wallet is non-custodial and doesn't require KYC, but the card/banking layer does.
Is the THORWallet Card custodial or self-custodial?
Hybrid. Your wallet balance stays in self-custody (your keys, your crypto), but funds are converted to fiat when you top up/spend the card, at which point they leave self-custody.
What network does the THORWallet Card run on?
Mastercard (issued under licence), accepted in 100+ countries, with Apple Pay, Google Pay, and Samsung Pay. (Some older sources incorrectly say Visa.)
What are the fees?
No monthly fee. Basic: 0% top-up, 1.5% FX, $1/$5 ATM. Conversion is tiered 1% Standard / 0.5% Gold / 0.25% Platinum. Swiss Banking: 0.25–1% top-up, 1% FX, no ATM.
