Fiat24
Fiat24 is a crypto card / neobank issued on Mastercard, rated 8.8/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Fiat24 is the strongest fit for all-rounder and ad spend, and asks for ID + proof at signup — we carry it at medium (issuer-controlled, uninsured deposits) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Fiat24 · Crypto Card / Neobank |
| Official site | https://fiat24.com |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 8.8/10 (4.5★, 188 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (virtual); NFT mint fee 1-15,000 F24 token by tier |
| Monthly / annual fee | 0 |
| Top-up (deposit) fee | 1% (Standard crypto top-up); 0.25-0.5% (Premium/Ultimate) |
| Minimum deposit | $10 (activation balance) |
| FX / conversion fee | 1-1.5% (non-EUR Mastercard); ~1.75% crypto-to-EUR conversion |
Verification and risk
| KYC required | Yes ··· |
| Risk level | Medium (issuer-controlled, uninsured deposits) |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (USDC across 40+ blockchains; BTC, ETH, USDT, USDC) |
| Bank transfer | Yes (SEPA; Swiss IBAN) |
| Alipay / WeChat Pay | No |
| Cards per account | 1 (virtual only per account NFT) |
Billing
| Billing address | Swiss IBAN (multi-currency) |
| Billing country | Switzerland / EEA (42 countries; US excluded) |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes (Apple Pay/Google Pay/Samsung Pay) |
| Meta / Google Ads | Yes |
| AI tools noted | ChatGPT / Claude / Midjourney |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 263734 | Mastercard | Switzerland | Debit | 123 | 86 | 69.9% |
We logged 86 cleared charges out of 123 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Mastercard virtual cards
Frequently asked
What does Fiat24 cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is 0; top-ups cost 1% (Standard crypto top-up); 0.25-0.5% (Premium/Ultimate); conversion is priced at 1-1.5% (non-EUR Mastercard); ~1.75% crypto-to-EUR conversion; you need $10 (activation balance) to get going. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Fiat24?
Fiat24 asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (18+, biometric ID + GPS + identity verification; FINMA-licensed); NOTE: closed to new direct applicants since 29 Jul 2026 (maintenance)
How can I fund Fiat24?
You can fund it with crypto (USDC across 40+ blockchains; BTC, ETH, USDT, USDC), bank transfer (SEPA; Swiss IBAN). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Fiat24 need?
Setting it up: the billing address type is Swiss IBAN (multi-currency); cards are issued against Switzerland / EEA (42 countries; US excluded); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Fiat24 work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Fiat24 trigger 3-D Secure?
Yes. Fiat24 supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Fiat24?
The issuer allows 1 (virtual only per account NFT). Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.