SafePal Card

SafePal Card is the banking arm of the SafePal wallet ecosystem — the hardware wallet company backed by Binance. Rather than a classic pre-load crypto card, it opens a Swiss IBAN account in your own name through FINMA-licensed partner Fiat24, then links a Mastercard debit card to it.

The fee structure is the selling point. There are no account creation or management fees, no wire-transfer fees, and crypto top-up fees are advertised from as low as 0.4%, with fiat transfers and deposits from around 0.6%. Fiat rails run on Arbitrum, which keeps gas costs down.

The catch is availability. SafePal splits its market into two tiers: around 39 countries get the full Mastercard service with a $100,000 monthly limit, while a second group of markets is capped at $1,000 a month without card support. The US is not on the list. There is also no cashback programme — SafePal rewards referrals instead, paying up to 40% of top-up fees from accounts you bring in.

SafePal's banking gateway opens a Swiss IBAN in your own name through FINMA-licensed partner Fiat24, with a card linked to the account. imToken is issued with the same Swiss partner, and SwissBorg offers a free virtual Mastercard with a Swiss pedigree. See the crypto cards directory for the account terms.

What you get

• Swiss IBAN account in your own name, through FINMA-licensed Fiat24.
• Mastercard debit card accepted at 40M+ merchants, usable with PayPal, Apple Pay, Google Pay and Samsung Pay.
• Zero setup and management fees, and no wire-transfer fees.
• Crypto top-ups across 40+ blockchains, converted into USDC and fiat inside the account.
• Customisable spending limits for security.
• Up to 40% referral commission, indefinitely, on top-up fees from accounts you refer.
• Instant use after approval — no staking or credit checks required.

Why an IBAN-based card is different

Because the card is backed by a real bank account rather than a prepaid balance, you can receive transfers and hold USDC, USD or EUR before spending. That makes it closer to a crypto-friendly bank account than a spending-only card.

Supported assets

Crypto reaches the account as USDC, with top-ups accepted across 40+ blockchains, and USDT, BTC and ETH usable through the SafePal ecosystem. Fiat balances are held in USD, EUR and CHF behind the Swiss IBAN.

The wallet connection

The card is designed to sit alongside SafePal's self-custody wallets, so day-to-day spending can be funded from crypto held elsewhere without moving your whole balance to an exchange.

Published pricing

• Account creation: no fee.
• Account management: no fee, no annual charge.
• Wire transfers: no fee.
• Crypto top-up: from as low as 0.4%.
• Fiat transfer and deposit: from as low as 0.6%.
• Referral commission: up to 40% of top-up fees from referred accounts.

What is not published

Card FX markup and ATM withdrawal terms are not itemised on the public pages — they sit in SafePal's pricing disclosure, and the issuing partner's terms apply. Confirm both before using the card abroad or at an ATM.