What is the Mine Card?
Mine is a Swiss money app built on stablecoin rails: your CHF or EUR IBAN receives francs or euros, the balance settles as USDC in a wallet only you hold, and a Mastercard spends it in 175+ countries. You hold the keys throughout — Mine states it custodies your funds zero times, and that self-custody is the default rather than a setting.
What makes this listing straightforward to write is that Mine publishes the things most cards in this directory do not: the operator, the issuer, the FX markup, the issuance prices, the cashback conditions and the full limit table. EMM Ventures AG at Bahnhofstrasse 11 in Zug operates the app. The Mastercard is issued by Unblock Atomo SARL, an EEA-licensed e-money institution in Luxembourg. The IBAN and conversion services come from a regulated Swiss financial intermediary, and the dollars are Circle-issued USDC.
The most transparent card we have listed
Fees are on the page: 1.5% card FX markup on Basic and Premium alike, 0% card top-up, a virtual card that is free with an invite code or $5 one-off, and a Premium tier at $99 with a code or $124 one-off with no subscription on either. Limits are published to the dollar. Mine even explains how it earns: conversion pricing above a free allowance of 500 francs or euros, that card FX markup, and monthly subscriptions on the tiers still to come. It also states there are no hidden FX spreads, no order-flow payments and no surprise spreads, and the fee table is consistent with that claim.
The honest counterweights are the size of the FX markup and the thin rewards. At 1.5%, foreign spending costs about $15 per $1,000, where several self-custodial cards here charge nothing or pass on only a 1% network assessment. Cashback is 0.5% in USDC on Premium, capped at $5,000 of spend a month, so roughly $25 maximum, and Basic pays none. This is a card you choose for custody, a Swiss IBAN and geographic reach — not for rewards maths.
Who actually holds your money
Mine's terms are unusually direct about this, and the division is worth understanding before you rely on it. Mine is "not a bank, e-money institution, payment institution, or card issuer, and does not hold, control, or safeguard fiat funds." Card issuance, card services and fiat payment services sit solely with the Card Provider and its regulated partners — that is Unblock Atomo SARL — under the card provider's own terms, and Mine states it is not responsible for any aspect of the card service.
On the crypto side the opposite holds: the service is strictly non-custodial, Mine never takes custody of your digital assets, and every transaction runs between you and the third-party provider you chose. Those providers are named in the terms — Aave, Compass Labs, Ondo Global Markets, Unblock (Atomo Sarl), Chainflip, NEAR, THORChain, 1inch and Maya Protocol — a level of disclosure you rarely see. Identity verification for card services and tokenised securities is run by those third parties, not by Mine.
That leaves one risk squarely with you, and Mine says so twice: recover through email, password and 2FA, keep the optional encrypted backup to iCloud or Google Drive, and remember that without those backups only your seed phrase can reach the funds. Mine cannot recover it for you. That is what non-custodial actually means, and it is the trade for a balance no bank can freeze.
One card, an unusual spread of capabilities
The card pairs with a wider app: instant sends between Mine users and out to any IBAN or wallet; buying crypto and tokenised stocks settled to your own wallet; an opt-in Earn feature routing funds to Aave V3 for up to 5% yield, off by default with smart-contract risk disclosed; and a Pro trading desk covering 619 Hyperliquid markets in perps and spot, every order signed with your own keys. The card itself is quietly well-featured: freeze it, view the PIN, set limits, and read a statement showing merchant, category and location on every charge.
Where the access problem sits
Two things stand between you and this card. First, it is invite-only: every member holds three codes, there is no waitlist, and a code cuts the price. Second, and more immediate, the "Get the card" and "Open an account" buttons currently lead to a "coming soon" whitelist page — Mine's own words are that the product is real and shipping but "this piece just hasn't caught up yet", with an email whitelist in the meantime. So the terms, the issuer and the pricing are all published while the sign-up flow is not yet open.
How it rates
Four stars, Tier-2 — the strongest of the pre-access cards we have listed. It names its operator and its EEA-licensed issuer, publishes fees, limits and cashback conditions in full, discloses its third-party stack, reaches both the US card market and a Swiss IBAN, and handles self-custody honestly down to telling you that a lost seed cannot be recovered.
It is held off five stars by economics and access rather than by trust: a 1.5% FX markup, cashback capped near $25 a month, no physical card on the free tier, metal and private tiers announced but unpriced, invite-only onboarding sitting on a whitelist page, and exclusions worth knowing about — the Service itself bars UK, New York and Washington residents, and US persons cannot hold the account or IBAN even though the card works in the US.
Weigh it against Peanut Card, another self-custodial card that spends stablecoins, and Keyflo Card, or browse the full crypto cards directory.
