Tonhub Card

What the Tonhub Card is

Tonhub Card is the card product inside the Tonhub wallet, and it is unusual in the category because the spending account is on-chain. The card is linked to a non-custodial wallet rather than a custodial balance, so you keep control of the assets backing it, and value converts to fiat on-chain at the moment of each purchase.

The pricing is a single number

Issuance is free, there is no monthly maintenance fee, and the only stated cost is a 1.5% rate on conversion when you pay or transfer. That flat-rate structure is easy to compare against cards that charge separately for top-ups, FX and transactions.

Limits and access

The monthly limit is EUR 50,000. Eligibility is currently EU residency for anyone aged 18 or over, after KYC; Tonhub lists the UK, Canada, Argentina, Brazil, Colombia, Ukraine and the CIS as coming soon.

How you use it

Download the Tonhub app, apply for the card, upload identity documents and pass KYC, then add the virtual card to Apple Pay or Google Pay. You can spend at around 90 million merchants, and send fiat to friends and family by IBAN from your wallet balance, with SEPA and SWIFT transfers supported.

Tonhub treats the card as an on-chain spending account, linked to a non-custodial blockchain wallet rather than a custodial balance. THORWallet follows the same principle across more chains, and Solflare is the Solana-specific version. The crypto cards listing covers the wallet-issued cards.

Spending

• Pay online and in stores at around 90 million merchants worldwide.
• Tap and pay through Apple Pay and Google Pay.
• Crypto-to-fiat conversion happens on-chain and instantly at the moment of purchase.
• Top up by funding the card's smart contract with crypto - no intermediary step.

Sending

• Send fiat to friends and family using their IBAN details, funded from your wallet's crypto balance.
• SEPA and SWIFT transfers supported.
• Transfers complete in seconds according to Tonhub.

Controls and security

• Track spending limits, block the card and receive transaction notifications in the app.
• Every transaction and refund request is monitored by anti-fraud and AML systems.
• Non-custodial design: Tonhub states you alone control the crypto balance.
• Payments require an active internet connection so each transaction can be authorised in real time.

Tied to the Tonhub wallet

The card is linked to a non-custodial blockchain wallet, and Tonhub is the wallet built for The Open Network. The card draws on the assets you hold there, with TON and TON-based stablecoins such as USDT the natural funding assets; the card page does not publish a full supported-asset list.

On-chain conversion, not pre-loading

Unlike custodial cards that require you to move funds into a card balance in advance, Tonhub converts at the moment of purchase. That means your crypto stays in your own control until you spend, and only the amount transacted is converted.

What to check before applying

Confirm the exact assets your wallet balance supports for card funding, how the smart contract top-up works, and what happens if a merchant refunds a converted transaction. Support runs through holders.io, the card programme's support channel.

Published fees

• Card issuance: free
• Monthly maintenance: none stated
• Transaction rate: 1.5% (crypto-to-fiat conversion)
• Monthly spending limit: EUR 50,000

What is not published

Tonhub does not publish a separate FX markup, a top-up fee or an inactivity charge. Because the card is virtual only, there are no ATM fees and no delivery cost. The 1.5% rate appears to be the whole cost of transacting, which is low for a non-custodial card.

Why the rate matters

On a non-custodial card the conversion rate is the entire cost model, so the number to watch is the effective rate applied at the moment of payment versus the market rate. Tonhub states 1.5% as a transparent, single line item rather than burying it in an exchange spread.

Declined payments

If the crypto balance is insufficient, the payment is simply declined - there is no overdraft facility. Repeated failed attempts or suspicious activity can trigger additional security checks.