UR Card

The UR Card is a virtual multicurrency Mastercard debit card connected to the UR account. It supports direct spending from EUR, USD, CHF and RMB balances and can be used online or in stores through compatible digital wallets.

UR does not currently issue a physical card or PIN under its published card terms. The card is designed around digital use through Apple Pay, Google Pay and other supported wallets.

UR also integrates crypto-to-fiat conversion, so users can deposit supported crypto, convert it into one of the card's fiat balances and spend from that balance. The merchant receives a normal Mastercard payment rather than cryptocurrency.

UR describes its product as a Mastercard debit card. Purchases draw from the available balances in your UR account rather than from a revolving credit line.

The card supports separate EUR, USD, CHF and RMB balances. When Direct Pay is enabled for the currency you are spending, UR can use that balance directly. If the purchase currency is not available, UR may convert another balance and apply its FX pricing.

Because there is no traditional credit facility, users are not borrowing when they make an ordinary UR Card payment. The practical spending limit is determined by the balance available and the card's daily and monthly limits.

UR combines on-chain account technology with a regulated card service, so the answer depends on which part of the product you mean. The card itself spends from fiat balances inside the UR payment account and is governed by Mastercard card terms.

UR's wider architecture uses blockchain-based account components, but funds that have been converted into the fiat card balance should not be described as remaining in a conventional self-custodial crypto wallet.

For users comparing custody models, the safer distinction is that crypto can enter UR through on-chain routes, while the virtual Mastercard spends from the regulated fiat account layer.

The UR Mastercard Debit Card currently supports four fiat balances: EUR, USD, CHF and RMB. Each balance is displayed separately inside the account.

When you pay in a currency you already hold, UR can use that balance first. This helps avoid unnecessary conversions. If the required currency is unavailable, UR can convert from another supported balance and apply its current foreign-exchange pricing.

This multicurrency structure is one of the card's main advantages. It is more useful for users who regularly move between Europe, Switzerland, dollar spending and RMB than a card that supports only one fiat base currency.

Crypto deposited into UR can be converted into one of the fiat balances used by the card. UR's current fee overview lists a 0.5% crypto-deposit conversion fee for supported deposits on Ethereum and Arbitrum.

Once converted, the resulting fiat balance can be spent through the virtual Mastercard. The merchant does not receive crypto, and the payment itself is processed through the card network.

Supported assets and chains can change, so users should follow the live deposit screen rather than sending funds based on an old address or network assumption. Always confirm both the token and blockchain before transferring crypto into UR.

UR currently lists free account creation and a 1% foreign-exchange fee when conversion is required between supported fiat currencies. Its fee overview also lists a 0.5% charge when supported crypto deposits are converted into fiat.

There is no separate published monthly card subscription in the current public fee overview. Peer-to-peer transfers between verified UR users are also listed as free.

The total cost depends on how you fund the card. Spending from an existing balance in the merchant's currency can avoid the FX conversion, while funding from crypto first can create the 0.5% conversion charge before you spend.

UR's published fee overview lists a daily card limit of €10,000 and a monthly debit-card limit of €20,000. UR also references a broader membership transaction limit of up to $100,000 per month for the account.

These figures describe different layers of the product, so they should not be treated as the same limit. The card's own daily and monthly ceilings govern ordinary card spending, while the wider account can have separate transaction limits.

Account-specific compliance controls can also reduce practical capacity. For a large purchase, check the live limit shown inside UR before converting or depositing funds specifically for the card.

Yes. UR supports Apple Pay and Google Pay for the virtual Mastercard and also references other compatible digital wallets. This is central to the product because UR currently issues virtual cards only.

Once the card is added to a supported wallet, it can be used for contactless in-store payments as well as online purchases. The payment still draws from the same EUR, USD, CHF or RMB balances and follows the same card limits and FX rules.

Wallet availability can depend on your country, device and the wallet provider's own eligibility checks.

No. UR's current Mastercard Debit Card is virtual-only. The published card terms state that UR issues virtual cards, and the product does not currently include a physical card or PIN.

For in-store use, cardholders are expected to add the card to Apple Pay, Google Pay or another supported digital wallet. This covers many contactless purchases but is less suitable for situations where a merchant requires a physical card or PIN.

Users who regularly need ATM cash withdrawals or physical-card-only acceptance should therefore treat this as an important limitation of the current UR Card.

The current UR Card is virtual-only and has no PIN, so it is not designed for normal ATM cash withdrawals. UR's public card documentation focuses on online and mobile-wallet spending rather than cash access.

This is one of the clearest differences between UR and a conventional physical debit card. The product works well for digital and contactless purchases but does not provide the same cash-withdrawal utility.

If UR launches a physical or PIN-enabled card later, ATM functionality could change. Until then, users who need regular cash access should keep a separate card for withdrawals.

Direct Pay lets the UR Card use the matching fiat balance when you make a purchase. If you hold the merchant's currency, enabling Direct Pay can avoid an unnecessary conversion from another balance.

For example, a euro purchase can be funded from the EUR balance instead of converting USD or CHF. This is useful because UR's current fee overview lists a 1% FX fee when foreign-exchange conversion is required.

Users who hold several supported currencies should therefore keep Direct Pay settings aligned with the balances they actually want to spend. It is one of the main ways to reduce avoidable conversion costs with the card.

Yes. UR says verified users are eligible to apply for the Mastercard Debit Card, so identity verification is part of card access.

The card is connected to regulated payment infrastructure and fiat balances, which means it cannot operate like a permissionless crypto wallet. Once verification is complete, eligible users can activate the virtual card inside the app.

UR's current activation guidance says users need at least $1 in the account before activation. Identity and residency requirements can still vary, so the live onboarding flow is the final eligibility check.

UR lets users freeze and unfreeze the virtual Mastercard from the Card settings in the app or web interface. This is useful if you suspect unauthorised activity or lose a phone connected to Apple Pay or Google Pay.

UR also lets users manage connected devices associated with the card. If a phone or tablet is lost or replaced, removing it from the connected-device list reduces the risk of unauthorised mobile-wallet use.

The card remains virtual, so there is no plastic card to recover. If your account credentials or blockchain-linked access are compromised, secure the account immediately before contacting support.

Create and verify a UR account, then open the Card section in the UR app. The current support documentation says verified users can apply for the Mastercard Debit Card without a separate credit approval.

Make sure the account has at least the minimum balance shown in the live app. UR's latest card guide says at least $1 is required for activation. Once activated, the virtual card becomes available immediately.

You can then add it to Apple Pay or Google Pay for in-store use. Because there is no physical card, there is no shipping wait or plastic-card order process.

For card, balance, conversion or security issues, use UR's official Support Centre at https://docs.ur.app and the support options provided inside the UR app.

The Support Centre includes dedicated guidance for card activation, fees, security settings and payment-card terms. If a transaction fails, keep the merchant, amount, date and any error message available before contacting support.

If a connected phone is lost, remove or disable the device and freeze the card first. Use only official UR channels and never send private credentials or recovery information to someone who contacts you unexpectedly.