SafePal Card (Fiat24)

SafePal Card is the fiat-gateway product of hardware-wallet maker SafePal: a compliant Swiss IBAN account built with licensed partner Fiat24, linked to a Master virtual debit card (40M+ merchants). Crypto from 40+ chains converts to USDC for funding and connects to PayPal/Apple Pay/Google Pay/Samsung Pay.

Listing verification (2026-11-10, official help-center fee page)

• Standard deposit/top-up fee 0%; crypto top-up rates from 0.4% (site claim), fiat transfers from 0.6%;
• Non-USD settled transactions carry a 1% currency-exchange fee; refunds cost 1 USD/EUR/CHF or 7 CNH per transaction;
• No account-opening or management fees; internal and external transfers free (on-chain gas applies);
• Licensing/compliance handled by Fiat24; KYC required; supported regions per the official regions page.

Note: the commonly quoted "0.6%-1% top-up fee" is the combined top-up + FX figure; the official breakdown is 0% deposit + 0.4-0.6% crypto swap + 1% non-USD spending.

Entity & licence check (2026-11-11) - verifiable: the card rides partner Fiat24 - Fiat24 AG (Zurich, reg. CHE-256.014.995) holds a Fintech licence under Art. 1b of the Swiss Banking Act, supervised by FINMA (per fiat24.com; checkable in the Swiss Zefix registry). SafePal itself is a Binance-backed wallet vendor; compliance responsibility sits with Fiat24. Transparency grade: high.