imToken Card Review 2026: Wallet Account With Fiat24

Overview

imToken is one of the longest-running self-custody Ethereum wallets, and the imToken Card extends it into everyday spending. Rather than issuing a standalone prepaid card, imToken built the card with Fiat24, a Swiss-licensed provider — each card is linked to a multi-currency IBAN account.

That structure matters. You get account-style functionality with a Mastercard debit card on top, funded from crypto held in the imToken wallet, rather than a simple load-and-spend balance. imToken describes the application process as simple and free of the usual friction.

What is missing is the detail. Fees, spending limits, supported regions and ATM terms are not published on the public card page — they appear during application. There is no cashback programme either, so the case for the card rests on the IBAN-plus-Mastercard combination rather than rewards.

imToken's card is issued with Swiss-licensed Fiat24 and holds multiple currencies, the same Swiss-licence route the SafePal Card takes through its partner bank. The SwissBorg Card is the other Switzerland-linked option for EEA users, and our Best Crypto Cards directory compares the account terms.

Features & Benefits

What you get

Multi-currency Mastercard debit card issued in partnership with Fiat24.
Linked multi-currency IBAN account, giving account-style functionality rather than a bare prepaid balance.
Funding from an imToken wallet, so the card sits alongside a well-established self-custody wallet.
Simple application — imToken markets the process as low-friction.
Swiss-licensed issuing partner, which puts the account under a regulated framework.

Where the value sits

The card's appeal is the account layer: an IBAN in your name plus Mastercard acceptance, not a rewards programme or a fee gimmick.

Supported Cryptocurrencies

Supported assets

Funding works through the imToken wallet, which supports USDC, USDT, BTC and ETH among a much broader multi-chain asset list. The account is multi-currency on the fiat side.

Fiat support

A multi-currency IBAN account, with the account currencies confirmed during application.

Fees & Limits

What is published

imToken's card announcement focuses on the product and the application process rather than pricing. No issuance fee, monthly fee, FX markup or ATM charge is itemised on the public page.

What to confirm before you apply

Card issuance and any monthly fee
Top-up fees when funding from crypto
FX markup on non-euro spending
ATM withdrawal terms
Spending limits by tier

These are shown during application and inside the card section of the app.

Pros & Cons

Pros

Built with Swiss-licensed Fiat24, giving the card a regulated issuing partner
Multi-currency IBAN account linked to a Mastercard debit card
Funded from one of the longest-running self-custody Ethereum wallets
Application process described as simple, with no heavy setup
Spending works wherever Mastercard is accepted

Cons

Fee schedule is not published publicly — issuance, top-up, FX and ATM terms are only shown during application
No cashback or rewards programme
Regional eligibility depends on the issuing partner rather than imToken itself
Physical card availability and ATM support are not clearly documented
Little public detail on spending limits by tier

Frequently Asked Questions

What is the imToken Card?

It is a multi-currency Mastercard debit card launched by imToken with Swiss-licensed provider Fiat24, with each card linked to a multi-currency IBAN account.

Who issues the imToken Card?

The card is issued in partnership with Fiat24, a Swiss-licensed provider, which also holds the linked IBAN account.

Does the imToken Card pay cashback?

No cashback or rewards programme is published.

Which countries can apply?

Eligibility follows Fiat24's supported regions, centred on Switzerland and the European Economic Area with a wider list of markets. Availability is confirmed during sign-up.

How do I fund the card?

Funding comes from crypto held in your imToken wallet, with the account holding multi-currency fiat balances.

What fees does it charge?

imToken does not publish a public fee schedule for the card. Issuance, top-up, FX and ATM terms are shown during application and in the app.

Fees at a Glance

Setup / Issuance—

Monthly fee—

Annual fee—

ATM withdrawalNot published; ATM availability depends on the card tier issued by the partner.

FX feeNot published on the imToken card page — fee terms are shown during application and in the card section of the app.

CashbackNo cashback or rewards programme is published. The card's value is the combination of a multi-currency IBAN account with Mastercard acceptance, funded from an imToken wallet.

Spending limitSpending is bounded by the balance held in the linked account and by the tier issued; exact ceilings are shown in the app.

Before You Continue

imToken Card