Weekly Top 6 Cryptos on SafePal
1. hyperliquid:native 🔊
2. ethereum:0x62d0a8458ed7719fdaf978fe5929c6d342b0bfce 🌈
3. $PENGU 🐧
4. $ZRO 0⃣
5. $AREO ➰
6. solana:AHgqStQviBDBiPra3cLxb8gQs2auRAmXT4s9v7LKpump 🐻
SafePal Card
Virtual Mastercard linked to a Swiss IBAN account, with crypto top-ups across 40+ blockchains
3.2/ 5
Our score
Fair
Card issuance fee
Free
Monthly fee
Free
Top-up networks
Arbitrum40+ blockchains
Card network
Mastercard
What is SafePal Card?
SafePal Card is a virtual Mastercard connected to a Swiss IBAN account in the SafePal app. Fiat24 provides the banking gateway and handles compliance and licensing, while crypto top-ups are converted through USDC for card spending. The card is accepted at 40M+ Mastercard merchants and can be linked to Apple Pay, Google Pay, Samsung Pay and PayPal.
Who is behind it
The product is part of SafePal, a crypto wallet company founded in 2018 by Veronica Wong, its founder and CEO. SafePal is headquartered in Singapore and says its wider platform has more than 10M users. The banking account and card are offered with Fiat24, which handles the relevant compliance and licensing functions.
How it works
Users open the account from the Bank tab in the SafePal app, complete KYC and onboarding, then receive a virtual Mastercard after approval. The wallet remains the entry point for crypto management, while the Fiat24 account provides the Swiss IBAN and card account. Top-ups support crypto across 40+ blockchains and use USDC as the default top-up asset. Transactions are made on Arbitrum, and a conversion spread can apply when crypto is swapped.
The card supports contactless payments up to €1,600 per day. Other payment methods have a €5,000 daily limit, with the monthly consumption limit set at the same level as the transaction limit. SafePal also lets account holders adjust spending limits.
Fees and costs
Account setup and management have no fees, and SafePal and Fiat24 do not charge wire transfer fees. Other banks may charge for transfers. Crypto top-ups cost as low as 0.4%, depending on the account tier, while fiat transfer and deposit fees can be as low as 0.6%. Crypto swaps and fiat exchanges may add fees, and a spread applies to crypto swaps. Account tiers can also depend on deposits, referrals and SFP staking for added privileges.
Availability and track record
Access is limited to citizens and residents in supported regions and areas. KYC is required because of financial licensing and compliance requirements. A service disruption affected SafePal and other Fiat24-powered wallet cards in July 2026 during an infrastructure incident.
Risks and limitations
The account introduces exposure to Fiat24 as the banking and compliance provider. Availability depends on residence and onboarding approval. Crypto spending can incur both conversion fees and spreads, while the USDC conversion route and Arbitrum transactions can be affected by network congestion. Referral and account-tier benefits can change, and SFP staking may be required for some higher-tier privileges.
Founders
Veronica WongFounder and CEO
Best for:Multichain crypto spendingStablecoin card paymentsSwiss IBAN accessSafePal wallet users
Pros and cons
Pros
- No account setup or management fee
- Virtual Mastercard accepted at 40M+ merchants
- Crypto top-ups across 40+ blockchains
- Apple Pay and Google Pay support
- Adjustable spending limits in the app
Cons
- KYC and regional eligibility are required
- Fiat24 handles banking compliance and licensing
- Crypto swaps add fees and a conversion spread
- Higher account-tier privileges may involve SFP staking
- A July 2026 infrastructure incident disrupted Fiat24-powered cards
Our review
3.2/5
Fair
SafePal Card combines a Swiss IBAN account with broad crypto top-ups, but Fiat24 handles compliance and a July 2026 service disruption exposed infrastructure risk.
SafePal Card is a virtual Mastercard linked to a Swiss IBAN account opened through the SafePal App. Fiat24 handles the banking gateway’s compliance and licensing, while SafePal provides the wallet interface. The arrangement is different from a card funded directly from a self-custody wallet: the wider SafePal wallet is self-custodial, but the IBAN account and card service involve a separate financial provider and KYC.
Crypto top-ups support more than 40 blockchains and convert into USDC for spending, with transactions made on Arbitrum. The card is accepted at Mastercard merchants and can be linked to PayPal, Apple Pay, Google Pay and Samsung Pay. SafePal states that Mastercard payments have a €1,600 daily contactless limit and a €5,000 daily limit for other payment methods. Access depends on both citizenship and residence in supported regions.
Account setup, management and wire transfers charged by SafePal and Fiat24 are 0, while crypto top-up rates start at 0.4% for the highest account tier. Fiat transfer and deposit fees start at 0.6%, and crypto swaps and fiat exchange can add fees and a spread.
- Strengths include broad network support and SafePal wallet integration.
- SafePal and other Fiat24-powered wallet cards experienced an infrastructure disruption in July 2026.
SafePal was founded in 2018 by Veronica Wong, its founder and CEO, and says its wider platform has more than 10 million users. The card fits people who already use SafePal and want crypto-funded Mastercard spending with an IBAN account.
Fees & limits
| Card type | Debit |
|---|---|
| Card network | Mastercard |
| Card format | Virtual · unverified |
| Custody | Self-custodial · unverified |
| KYC required ⓘ | Yes · unverified |
| Staking needed for top rewards | No · unverified |
| Card issuance fee | Free · unverified |
| Monthly fee | Free · unverified |
| Annual fee | Free · unverified |
| Top-up fee | As low as 0.4%, depending on account tier · unverified |
| Crypto conversion spread | A spread applies when swapping cryptocurrencies · unverified |
| Daily spending limit | €1,600 contactless; €5,000 for other payment methods · unverified |
| Top-up networks | Arbitrum, 40+ blockchains · unverified |
| Spend stablecoins | Yes · unverified |
| Apple Pay | Yes · unverified |
| Google Pay | Yes · unverified |
| Good for | Everyday spending, Travel, Online shopping, Subscriptions & AI tools · unverified |
| Perks | PayPal, Apple Pay, Google Pay, Samsung Pay, Swiss IBAN account · unverified |
| Card issuer | Fiat24 · unverified |
| Virtual card fee | Free · unverified |
| Referral program | Yes · unverified |
Not disclosed by the provider: Business card, Max cashback, Rewards paid in, Welcome bonus, Foreign exchange fee, ATM withdrawals, ATM withdrawal limit, Available in, Not available in, Spendable assets, Card currencies.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Swiss IBAN account
The SafePal app opens a Swiss IBAN account through Fiat24, with transfers between global IBAN accounts.
Virtual Mastercard
The virtual debit card is accepted at 40M+ Mastercard merchants and can be used through PayPal, Apple Pay, Google Pay and Samsung Pay.
Multichain top-ups
Crypto top-ups are supported across 40+ blockchains and use USDC as the default conversion asset.
Arbitrum settlement
Transactions use Arbitrum, with network gas fees separate from SafePal and Fiat24 account charges.
Adjustable spending limits
Account holders can customize their Mastercard spending limit from the SafePal app.
Daily payment limits
Contactless payments are limited to €1,600 per day, while other payment methods allow €5,000 per day.
Tier-based top-ups
Crypto top-up rates depend on the account tier, with advertised rates as low as 0.4%.
Inside SafePal Card
Bank tab
The Bank tab in the SafePal App is where eligible users apply for the Swiss IBAN account and receive the linked Mastercard after approval. KYC and onboarding are required.
SafePal Banking Gateway
The Banking Gateway provides the crypto-friendly Swiss IBAN account, fiat transfers between global IBAN accounts and crypto top-ups into USDC or fiat. Account setup and management have no fee.
SafePal Mastercard
The virtual Mastercard is linked to the Banking Gateway and can be used at Mastercard merchants, including through PayPal, Apple Pay, Google Pay and Samsung Pay.
SafePal Card screenshots
What users say about SafePal Card
Positive feedback highlights wallet features, security, and operational quality. Negative feedback is more common and focuses on missing funds, inaccurate balances, update-related problems, and access restrictions.
In their own words
“Best crypto wallet app This is the best crypto wallet honestly. There’s ALL the features I wanted to see and searched for many times. Multiple addresses for coins like Btc and Ltc. Controlling the utxo, ability to add multiple receivers. The most popular blockchains. Really the best.”
“Best wallet This one is so easy to use and is very quick for Funding and sending assets!”
“Price tracker sucks If they would get your portfolio balance up updating properly, it would be a lot better, but for some reason, they got their app glitching on something so simple and it doesn’t seem like they care to fix it because it’s been like this forever it’s literally saying I have tokens…”
“Couldn’t recover crypto I saved the seed phrase and when I went to use the app it needed to update and couldn’t find my tokens afterwards. Never use this company unless you want your crypto to go missing”
“Logging in It wouldn’t let me login so I deleted it. I want to download it but that’s not working. Just keeps downloading but nothing is happening.”
Scam warning: Fake support callers and counterfeit apps have been used to trick users into transferring funds or sharing wallet information.
Scam warning: Phishing schemes have impersonated crypto services and directed users to SafePal or related wallet actions to steal funds.
Based on 43 App Store reviews, 11 Reddit posts and comments from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used SafePal Card? Share your experience below.
FAQ
Who founded SafePal Card?
SafePal was founded in 2018 by Veronica Wong, who is its founder and CEO. SafePal is headquartered in Singapore.
What fees does SafePal Card charge?
Account setup and management cost 0, and SafePal and Fiat24 do not charge wire transfer fees. Crypto top-ups start at 0.4% for the highest account tier, while fiat transfer and deposit fees start at 0.6%. Crypto swaps and fiat exchange may also incur fees, and a spread applies when swapping cryptocurrencies.
Where is SafePal Card available, and is KYC required?
SafePal Card is available to citizens and residents in supported regions and requires KYC and onboarding. Eligibility depends on both the user's citizenship and place of residence.
Is SafePal Card self-custodial and safe?
The SafePal wallet is self-custodial, but the Swiss IBAN account and card are provided through Fiat24, which handles compliance and licensing. SafePal and other Fiat24-powered wallet cards experienced a service disruption in July 2026.
Which crypto assets and networks does SafePal Card support?
The banking gateway accepts crypto top-ups across more than 40 blockchains, with USDC as the default top-up cryptocurrency and Arbitrum used for transactions. The card converts crypto into USDC and fiat for spending.
Does SafePal Card have cashback or a token?
SafePal Card has SFP, the SafePal token, and higher account tiers can involve SFP staking, deposits and referrals.
Latest from SafePal Card on X
The SafePal Halloween AI Meme Contest is LIVE
SafePal products × Halloween horror = your next masterpiece
The more meme-worthy, the better
👇 Drop your AI meme + follow @SafePal to join
🏆 Top 3 win SafePal merch
Winners announced Nov 2
SafePal products × Halloween horror = your next masterpiece
The more meme-worthy, the better
👇 Drop your AI meme + follow @SafePal to join
🏆 Top 3 win SafePal merch
Winners announced Nov 2
🏈 Who takes home the 2026 MVP?
Skip the vibes. Let the data and market odds speak
Open SafePal App → check season MVP odds on @Polymarket → pick your favorite
Predict now: https://t.co/vlOZ2ZpqyF https://t.co/nBvLu4Ecmw
Skip the vibes. Let the data and market odds speak
Open SafePal App → check season MVP odds on @Polymarket → pick your favorite
Predict now: https://t.co/vlOZ2ZpqyF https://t.co/nBvLu4Ecmw
Movie Night D5
Final movie. Final clue. Last chance before Halloween
Hint: 🚆
First correct guess gets an X1 or a merch pack
& Stay tuned for more on Halloween 🔜 https://t.co/oHKxRvIwQu
Final movie. Final clue. Last chance before Halloween
Hint: 🚆
First correct guess gets an X1 or a merch pack
& Stay tuned for more on Halloween 🔜 https://t.co/oHKxRvIwQu
before you hit send, always check _____.
Recent public posts from @SafePal, shown as published. Not reviewed or endorsed by CryptoReview.
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