> For the complete documentation index, see [llms.txt](https://faqs.thorwallet.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://faqs.thorwallet.org/thorwallet-iban-mastercard.md).

# THORWallet IBAN / Mastercard

THORWallet offers a **Swiss Bank account** and a **global debit Mastercard** within the app. The Mastercard is a multi-currency debit card, allowing users to spend their crypto directly at any merchant that accepts Mastercard. With monthly limits of up to 1M EUR, it provides a seamless way to use crypto for everyday purchases.

The card supports payments in USD, EUR, CHF, and RMB, making it a versatile option for international transactions. 

* 🔐 **KYC is mandatory** to access banking services and is verified by the **Fiat24 team**.
* 🛡️ **THORWallet does not store or access your KYC or personal data**.
* 🌍 **Crypto banking services (Swiss IBAN)** are available in **100+ countries**.
* 💳 **THORWallet Mastercard**:
  * 📱 Virtual card issued via the **mobile app**.
  * 🍎📲 Can be added to **Apple Pay** and **Google Pay**.
  * 🌐 Usable worldwide for both online and in-store payments.
* 💱 Supports multiple base currencies: **USD, CHF, EUR, and RMB**.
* 🧾 Automatically debits the corresponding currency account within the app.
* 💸 Account top-up options:
  * 🪙 **USDC (Arbitrum)**
  * 🔁 **Other crypto assets**
  * 🏦 **Direct bank transfer**
* ⚡ Easily **swap to USDC (Arbitrum)** within the app for seamless funding.

### 🏦 THORWallet Card Tiers

THORWallet offers three card tiers with different benefits, limits, and fees. Users can upgrade for lower fees and higher spending limits. The **Standard Card** is free and available directly in the app, while **Gold** and **Platinum** tiers require a one-time sign-up fee.

**📊 Card Tier Comparison**

<table data-full-width="true"><thead><tr><th>Tier</th><th>Crypto Top-up &#x26; FX Fee</th><th>Bank Limit/month</th><th>Card Limit/month</th><th>Card Limit/day</th><th>Sign-up Fee</th></tr></thead><tbody><tr><td>🆓 Standard</td><td>1%</td><td>$100,000</td><td>$20,000</td><td>$10,000</td><td>Free</td></tr><tr><td>🟡 Gold</td><td>0.5%</td><td>$1,000,000</td><td>$200,000</td><td>$100,000</td><td>1.5 ETH <em>(from </em><del><em>3 ETH</em></del><em>)</em></td></tr><tr><td>⚪️ Platinum</td><td>0.25%</td><td>$10,000,000</td><td>$200,000</td><td>$100,000</td><td>15 ETH <em>(from </em><del><em>30 ETH</em></del><em>)</em></td></tr></tbody></table>

<figure><img src="/files/gE8JFxlgCu92NOGvg98x" alt=""><figcaption></figcaption></figure>

> #### 🌍 **Country-Based Limits for Standard Tier**
>
> 🟢 **$100,000 Monthly Limit:**\
> Australia 🇦🇺, Austria 🇦🇹, Belgium 🇧🇪, Brazil 🇧🇷, Bulgaria 🇧🇬, Canada 🇨🇦, China 🇨🇳, Croatia 🇭🇷, Cyprus 🇨🇾, Czech Republic 🇨🇿, Denmark 🇩🇰, Estonia 🇪🇪, Faroe Islands 🇫🇴, Finland 🇫🇮, France 🇫🇷, Germany 🇩🇪, Greece 🇬🇷, Hong Kong 🇭🇰, Hungary 🇭🇺, Iceland 🇮🇸, Ireland 🇮🇪, Italy 🇮🇹, Japan 🇯🇵, South Korea 🇰🇷, Latvia 🇱🇻, Liechtenstein 🇱🇮, Lithuania 🇱🇹, Luxembourg 🇱🇺, Netherlands 🇳🇱, New Zealand 🇳🇿, Norway 🇳🇴, Poland 🇵🇱, Portugal 🇵🇹, Réunion 🇷🇪, Romania 🇷🇴, Singapore 🇸🇬, Slovakia 🇸🇰, Slovenia 🇸🇮, Spain 🇪🇸, Svalbard & Jan Mayen 🇸🇯, Sweden 🇸🇪, Switzerland 🇨🇭, Taiwan 🇹🇼, United Kingdom 🇬🇧, Åland Islands 🇦🇽
>
> 🔴 **$1,000 Monthly Limit:**\
> Andorra 🇦🇩, Argentina 🇦🇷, Armenia 🇦🇲, Costa Rica 🇨🇷, Dominica 🇩🇲, Dominican Republic 🇩🇴, Malaysia 🇲🇾, Mexico 🇲🇽, North Macedonia 🇲🇰, Turkey 🇹🇷, Uruguay 🇺🇾, Bangladesh 🇧🇩, Chile 🇨🇱, Colombia 🇨🇴, Georgia 🇬🇪, India 🇮🇳, Indonesia 🇮🇩, Peru 🇵🇪, San Marino 🇸🇲, Thailand 🇹🇭.
>
> **⬆️ Higher monthly and daily limits are available with upgraded card tiers (Gold or Platinum).**

{% hint style="success" %}
**Note:** The 🇨🇭 Swiss bank account and 💳 THORWallet Mastercard can **only be accessed and managed via the THORWallet mobile app**. These features are **not available** on the web app.
{% endhint %}