THORWallet Card

The THORWallet Card is a Mastercard-linked spending product built into THORWallet, a self-custodial multi-chain crypto wallet. It is designed to let eligible users turn crypto into everyday card spending while keeping the wider wallet non-custodial.

THORWallet currently presents Basic and Premium card tiers alongside a separate Swiss IBAN account. Basic is virtual, while Premium includes both virtual and physical cards. The card balance is denominated in USD under the current programme.

THORWallet markets the card for use at Mastercard merchants in more than 175 countries, including the United States, although exact availability, limits and card format can still depend on jurisdiction and verification status.

THORWallet itself is self-custodial: users control the keys to the assets held in the wallet, and THORWallet says it does not take custody of those funds.

The card adds a payment layer on top of that wallet. Value used for card spending must still pass through card and settlement infrastructure, so it is more precise to describe THORWallet as a self-custodial wallet with an integrated card than to claim every stage of a Mastercard transaction remains entirely on-chain.

For users comparing custody models, the important point is that long-term wallet assets do not need to sit in a conventional centralised exchange account simply to use THORWallet's card features.

THORWallet currently presents three relevant spending-account options: Basic, Premium and Swiss IBAN.

Basic is the entry-level virtual card with no cashback and a currently published monthly card limit of $100,000. Premium includes a physical and virtual card, 0.5% cashback in USDC and a published monthly limit of $1,000,000. Both card tiers currently show 0% top-up fees and 1.5% card FX.

Swiss IBAN is a separate account product with CHF, EUR, USD and RMB support, SEPA functionality and a virtual card. It uses different fees and limits, so it should not be treated as the same card tier as Basic or Premium.

THORWallet's current site lists Basic at $5 one time, with the fee waived when an eligible invite code is used. There is no recurring Basic subscription.

Premium is listed at $124 one time, with an invite discount reducing the current price to $99. The physical card is included with Premium rather than charged as a separate recurring subscription.

The Swiss IBAN account is currently marketed as free with no annual card fee. Because THORWallet is actively rolling out the new global card programme, the live checkout price in the app should be treated as the final amount for your country.

The current Basic and Premium card tables list a 0% card top-up fee and a 1.5% card FX charge. THORWallet also publishes ATM fees of $1 for domestic withdrawals and $5 for international withdrawals on supported physical cards.

Premium earns 0.5% USDC cashback, while Basic does not earn card cashback. These card charges are separate from THORWallet's crypto swap fees, blockchain network costs and any fees linked to its Swiss IBAN account.

THORWallet states that fees and limits can vary by jurisdiction and verification status, so check the live card screen before relying on one published figure for a large international transaction.

Yes, on the Premium tier. THORWallet currently advertises 0.5% cashback paid in USDC on eligible Premium card spending. Basic does not have a standard cashback benefit.

THORWallet currently caps Premium cashback at the first $5,000 of eligible spending per month, so 0.5% should not be applied to unlimited monthly purchases when comparing rewards.

This reward is separate from THORWallet's TITN staking and fee-rebate system. TITN can reduce swap costs and unlock other wallet benefits, while Premium card cashback is a card-spending reward paid in USDC.

THORWallet's current card page lists a monthly limit of $100,000 for Basic and $1,000,000 for Premium. The Swiss IBAN product is separately advertised with limits that can reach $10 million.

Older versions of THORWallet's website have shown different Basic and Premium limits, so the product is clearly still evolving. The current live account should therefore be treated as authoritative for the limit attached to your card.

Published programme limits can also be reduced by KYC level, jurisdiction, merchant controls and account-specific compliance checks. For large purchases, confirm the available spending limit before moving funds specifically for the transaction.

Yes, with a supported physical THORWallet card. The current Premium tier includes a physical card and THORWallet publishes ATM pricing of $1 for domestic withdrawals and $5 for international withdrawals.

The Basic tier is virtual, so normal ATM cash access depends on moving to a card format that supports withdrawals. The separate Swiss IBAN virtual card is currently listed without ATM withdrawal functionality.

An ATM owner can add its own surcharge or offer dynamic currency conversion. Those costs are separate from THORWallet's card fee, so always review the ATM screen before confirming a withdrawal.

Yes. THORWallet's official card rollout page advertises support for both Apple Pay and Google Pay, allowing eligible virtual or physical cardholders to use compatible mobile wallets for contactless payments.

Mobile-wallet transactions still use the underlying THORWallet card balance, limits and fee structure. Adding the card to Apple Pay or Google Pay does not remove the published FX fee or change the card tier.

Availability can depend on the country, device and exact card programme. Because THORWallet's new global card is being rolled out across many jurisdictions, confirm the add-to-wallet option in your live account before relying on it as your only payment method.

Yes. THORWallet's Premium tier includes a physical card as well as a virtual card. Basic is currently positioned as virtual-only.

The physical card adds conventional in-person Mastercard use and ATM access, while the virtual card can be used more quickly for online purchases and eligible mobile wallets. THORWallet's separate launch page also says physical cards are planned across its supported global rollout.

Because availability is jurisdiction-dependent, seeing the Premium tier on the public website does not guarantee immediate physical delivery to every country. The app's order flow is the final confirmation of whether physical issuance is live for your account.

THORWallet's Swiss IBAN product is a separate account option that combines a Swiss IBAN, SEPA transfers and a virtual Mastercard-style payment experience with the THORWallet app.

The current product table lists CHF, EUR, USD and RMB support, no annual fee, a 1% card FX charge and top-up fees ranging from 0.25% to 1%. Published limits can reach $10 million, subject to account approval and verification.

It should not be confused with Basic or Premium. Those are crypto-card tiers with 0% top-up fees, while Swiss IBAN is aimed more at users who also want bank-transfer functionality and multi-currency account details.

THORWallet says its Basic and Premium global cards are designed for more than 175 countries, including the United States. The dedicated rollout page publishes a long supported-country list.

Actual eligibility still depends on identity verification, sanctions screening, local card rules and the issuer serving a particular jurisdiction. A user may be able to download THORWallet and use the self-custodial wallet even when the card is not yet available to that account.

Because rollout is still changing, check the Card section in the current THORWallet app before paying a card fee or moving funds specifically for spending.

Yes. Card access requires identity and eligibility checks even though THORWallet's underlying crypto wallet is self-custodial.

This distinction is common with crypto cards. Holding and swapping assets in a self-custodial wallet can use a different legal model from obtaining a Mastercard that connects those assets to the traditional payment network.

The exact KYC process and limits can depend on country and card tier. Complete verification only through the official THORWallet app or authorised card flow. Legitimate card verification should never require you to give support your wallet seed phrase or private keys.

Download THORWallet, create or import your self-custodial wallet and open the card section. Choose the card tier available to your account, complete the required identity checks and review the current card fee before confirming issuance.

Basic is the fastest digital option because it is virtual. Premium includes the physical card and cashback, while Swiss IBAN follows a separate account application.

Because THORWallet has been transitioning its global card from waitlist to broader availability, the exact application flow can vary by region. Use only the official THORWallet app and websites, and verify supported networks before moving crypto for card use.

THORWallet provides support through its official FAQ, contact channels and in-app 24/7 chat. Basic and Swiss IBAN list standard support, while Premium advertises priority support.

For a card transaction problem, keep the merchant, amount, date and any decline message available. For an on-chain funding issue, keep the transaction hash, asset and blockchain network.

THORWallet is self-custodial, so support should never need your seed phrase or private keys. Use only support links reached through https://www.thorwallet.org or the official app, especially when discussing card activation or wallet transfers.