THORWallet Card THORWallet Card
A plan byTHORWallet Card · Mastercard
THORWallet offers a bank account as an NFT on Arbitrum, with a Swiss IBAN, in a self-custody model. The Mastercard is virtual-only, available in 66 countries, and currently offers no cashback. Crypto→fiat top-ups cost 1% (Standard), reduced to 0.5% (Gold) and 0.25% (Platinum) by holding the TITN token; no staking is required to use the card.
THORWallet Card
- Price
- Free
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno per la carta (staking TITN opzionale per fee-sharing)
- ATM fee
- 1%
- ATM limit
- $20.000/mese (Standard)
- Net annual cost
- Free
What's included
- Non-custodial Mastercard
- Swiss IBAN (Fiat24 partner, FINMA)
- 66 countries
- Crypto→fiat top-up 1% (0.5% Gold / 0.25% Platinum with TITN)
- THORChain cross-chain swap
- DeFi access
Data & conditions
| Network | Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | $20.000/mese (Standard) |
| ATM withdrawal | 1% |
| FX markup | 0% |
| Cashback | Not disclosed |
| Chains | Arbitrum, Ethereum, Bitcoin, THORChain |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 7/10 |
| Supported countries | EEA, UK, APAC, LATAM · 66+ countries |
| Estimated net annual cost | €0/year |
| Regulator | FINMA (via Unblock partner) |
| Segment | B2C |
| MiCA / License status | FINMA Fintech license (partner Fiat24) FINMA (CH) |
Strengths
- Bank account NFT on Arbitrum; Swiss IBAN; 0% FX.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Virtual only; no cashback; 1% crypto→fiat top-up (0.5/0.25% with TITN).
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (FINMA (CH)): reporting to authorities and freezes on order.
Verdict
The mid-tier placement reflects a reassuring regulatory frame (FINMA via partner Fiat24, a Swiss IBAN) and 0% FX markup, offset by a card that is virtual-only and lacks cashback. The crypto→fiat conversion on top-up (1% Standard, reduced by holding the TITN token) and the key responsibility of the self-custody model round out the risk profile for an ordinary user.
On the sovereignty front the offering is original: a bank account in the form of an NFT on Arbitrum, on-chain settlement across Arbitrum, Ethereum, Bitcoin and THORChain and self-custody funds, with coverage in 66 countries. The lack of cashback and full KYC weigh little against such a crypto-native, cross-chain architecture.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used THORWallet Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
Google Play ↗
4.0/5
601 reviews
Exact count from the page's structured data (ratingCount 601); the payload's precise value is 3.9729729, while the JSON-LD rounds it to 4. Verified developer DeFi Suisse AG (Pfäffikon, CH), package defisuisse.thorwallet. It covers the wallet app, not the card.
-
App Store ↗
4.0/5
118 reviews
Exact figure from Apple's primary endpoint (id 1592064324, US storefront): averageUserRating 3.9661 across 118 ratings. Verified developer DeFi Suisse AG, sellerUrl thorwallet.org. It covers the wallet app as a whole, not the virtual Mastercard.
Weighted average across 2 public review platforms (719 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is THORWallet Card a safe card?
THORWallet Card is a self-custody card on the Mastercard network. It is regulated by FINMA (via Unblock partner). As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is self-custody.
How much does THORWallet Card cost?
No annual fee and 0% FX markup. Crypto→fiat top-ups carry a 1% (Standard), 0.5% (Gold) or 0.25% (Platinum) conversion based on your TITN holdings.
Does THORWallet Card offer cashback?
THORWallet Card does not offer crypto cashback.
Is THORWallet Card available in Italy?
Yes, THORWallet Card is available in Italy.
Is THORWallet Card custodial or self-custody?
THORWallet Card uses a self-custody model. Funds stay in your wallet and you keep control of your private keys; the card debits at the moment of spending.
Sources
- Official service page Plans & pricing · Regulatory framework · Founders · Cashback · +1 Data verified on Jun 14, 2026
- opencryptocards.com Cashback.staking richiesto · Blockchain · On-chain settlement Data verified on Jul 10, 2026
- code4rena.com Third-party audit · Bug bounty · Past incidents Data verified on Jun 14, 2026
- crunchbase.com Stock ticker · Stock listing · IPO date · Latest funding round Data verified on Jun 14, 2026
Show 4 more sources
- crypto-fundraising.info Investors Data verified on Jun 14, 2026
- organismo-am.it OAM Italy registry Data verified on Jun 14, 2026
- startupticker.ch Legal name · Company type · Corporate site Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 13, 2026