THORWallet Card

What the THORWallet Card is

THORWallet is a non-custodial, multi-chain wallet built around true cross-chain swaps - native BTC to ETH, for example, without wrapping or bridging - and its card is the spending layer on top. The card is a Mastercard accepted in 175+ countries including the United States, funded from your own wallet, with the top-up model that defines self-custody cards: your keys never leave your device, and you move funds onto the card only when you want to spend.

Three plans that do different jobs

Basic is a virtual card, free with an invite code and otherwise a $5 one-off, with no monthly subscription, no top-up fee and a 1.5% card FX fee. Premium costs $99 with an invite code or $124 without, is a one-off payment rather than a subscription, and adds a physical card, 0.5% cashback in USDC, higher limits and priority support - the cashback is capped at the first $5,000 of spend a month, so $25 is the ceiling. The Swiss IBAN plan is free forever with no card fee and no subscription, and it is the one aimed at people who need to send and receive money: a personal Swiss account and SEPA access, balances in CHF, EUR, USD and RMB, limits up to $10M, and sending and receiving that works like a traditional account. It has no cashback and carries a 1% FX fee and 0.25-1% top-up fees.

Limits, rewards and the referral scheme

This is one of the few cards that publishes a full limits table. Basic allows $20,000 per transaction, $50,000 a day and $100,000 a month; Premium lifts that to $100,000 per transaction, $500,000 a day and $1,000,000 a month, with higher limits available on request. ATM access is priced per withdrawal at $1 domestically and $5 internationally. The referral programme pays in both directions: a friend gets a free Basic card or 20% off Premium with your code, and you earn up to $25 per referred signup plus up to 0.2% of their card FX spend, paid monthly in USDC once they fund the card and make a first purchase.

Where it sits in this directory

It is a strong fit for anyone who already holds crypto in self-custody and wants to spend it without moving it to an exchange, with unusually transparent limits and a genuinely useful free Swiss IBAN option alongside the card. The 1.5% card FX fee on Basic and Premium is the main cost to weigh against free-FX cards, ATM fees are per withdrawal, cashback only exists on Premium and is capped at $25 a month, and availability is not universal - India, Nigeria, Kenya, Kuwait and China are among the markets not served.

THORWallet's card spends from self-custody balances through Mastercard in more than 175 countries, with a free virtual Basic tier. Tonhub Card links a debit card to a non-custodial blockchain wallet in the same way, and Solflare does it for Solana users. The crypto cards directory compares the tiers.

Card options

• Basic: virtual Mastercard, free with an invite code or $5 one-off, ready in about five minutes, no top-up fee, 1.5% card FX, $100,000 monthly limit.
• Premium: physical and virtual cards for $99 with an invite or $124 without, 0.5% USDC cashback, $1,000,000 monthly limit, higher limits on request, priority 24/7 chat support.
• Swiss IBAN: free forever with a virtual card, personal Swiss IBAN and SEPA access, CHF/EUR/USD/RMB balances, limits up to $10M, 1% card FX and 0.25-1% top-up fees.

Spending

• Mastercard accepted in 175+ countries including the United States.
• Top up the card from your own wallet when you want to spend.
• Apple Pay and Google Pay support.
• ATM access at $1 domestically and $5 internationally.

Rewards and referrals

• 0.5% cashback in USDC on Premium, on the first $5,000 of card spend each month.
• No spend tiers and no staking requirements.
• Referral codes give friends a free Basic card or 20% off Premium.
• Referrers earn up to $25 per referred signup plus up to 0.2% of their card FX spend, paid monthly in USDC after the referred user funds their card and makes a first purchase.

The wider wallet

• Native cross-chain swaps without wrapping or bridging.
• Gasless EVM-to-EVM swaps.
• Limit orders, stocks, perpetuals and a Pro desk.
• Earn products and multi-signature Vaults.
• $TITN token and app-based missions and quests.
• Fiat on and off ramp to buy crypto with a bank card or cash out.

What the card spends

The card is funded from THORWallet's multi-chain wallet, so you can hold native assets across chains and top up the card when you need to spend. THORWallet's distinguishing feature is that it swaps native Layer 1 assets directly - BTC to ETH, ETH to LTC, BNB to BCH - without wrapping, bridging or handing over custody, and EVM-to-EVM swaps are gasless, with no gas payment needed from the user.

The Swiss IBAN account

Separate from the card tiers, the Swiss IBAN plan adds a personal Swiss account with SEPA access and balances in CHF, EUR, USD and RMB, with top-up fees of 0.25-1% and a 1% card FX fee. THORWallet describes the account as working like a traditional one for sending and receiving, which makes it a banking-style complement to a crypto card rather than a replacement for it.

Beyond the card

The same wallet carries limit orders, stocks, perpetuals, a Pro desk and multi-signature Vaults, plus the $TITN token and app-based missions. Self-custody runs through all of it: keys stay on your device, and the card is topped up from your own balance rather than an exchange account.

Rewards currency

Cashback is paid in USDC rather than in the asset you spend, which keeps it stable but adds a conversion step if you want to hold it in something else. Referral rewards are also paid in USDC, monthly.

Plan costs

• Basic: free with an invite code, otherwise $5 one-off, no monthly subscription
• Premium: $99 with an invite code, otherwise $124, one-off with no subscription
• Swiss IBAN: free forever, no card fee and no subscription

Usage fees

• Top-up fee: 0% on Basic and Premium, 0.25-1% on the Swiss IBAN plan
• Card FX: 1.5% on Basic and Premium, 1% on the Swiss IBAN plan
• ATM: $1 domestic and $5 international per withdrawal
• Support: standard 24/7 chat on Basic and Swiss IBAN, priority on Premium

Limits

• Basic: $20,000 per transaction, $50,000 daily, $100,000 monthly on POS; ATM $2,500 per transaction, $10,000 daily, $20,000 monthly
• Premium: $100,000 per transaction, $500,000 daily, $1,000,000 monthly on POS; ATM $2,500 per transaction, $10,000 daily, $60,000 monthly
• Premium supports custom higher limits on request

Is the cashback worth the Premium fee?

At 0.5% on a maximum of $5,000 of monthly spend, the cashback tops out at $25 a month, or $300 a year against a $99 to $124 one-off fee - so over a year it can cover the card if you consistently hit the cap, but only just. The stronger reasons to choose Premium are the physical card, the tenfold higher spending limits, priority support and the fact that Basic pays nothing at all. The Swiss IBAN plan is free and separate, so anyone who mainly needs a Swiss account for sending and receiving should take that and skip the card tiers entirely.