Available in eligible global jurisdictions (including Europe, APAC; accepts valid passports)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- 0 monthly maintenance fee; on-chain funding conversion fee ~1.0%; zero additional markup on multi-fiat exchange, settled at Mastercard spot rates.
- Debit / Deduction Model
- Arbitrum L2 non-custodial NFT account linked to Swiss bank IBAN debit card: supports crypto token top-ups with instant settlement in EUR/USD/CHF/CNY
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Complies with Swiss Financial Market Supervisory Authority (FINMA) and AML regulations. Supports valid international passports (including Mainland China) and global IDs, requiring on-chain NFT identity minting and biometric facial verification.
- Officially supported countries and regions
- Available in eligible global jurisdictions (including Europe, APAC; accepts valid passports)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Mastercard (Virtual card; supports Apple Pay, Google Pay, WeChat Pay, and Alipay)
- Issuer Arrangement / Payment Rails
- Fiat24 (Swiss-licensed digital bank; regulated by FINMA). The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- Supports one-click push provisioning to Apple Wallet for iPhone and Apple Watch tap-to-pay and online checkout.
- Overseas AI Subscriptions
- Cleared by Swiss bank Fiat24 with compliant 3DS verification; verified reliable for OpenAI ChatGPT Plus, Claude Pro, and SaaS billing.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Mastercard standard cardholder benefits and imToken ecosystem incentives; asset protection via individual Swiss IBAN accounts.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Mastercard
- Issuer arrangement / BIN
- Fiat24 (Swiss-licensed digital bank; regulated by FINMA). The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: supports one-click push provisioning to Apple Wallet for iPhone and Apple Watch tap-to-pay and online checkout.
- Google Pay
- ✅ Explicitly stated in official materials: compatible with Google Wallet for NFC contactless payments on Android devices globally.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: cleared by Swiss bank Fiat24 with compliant 3DS verification; verified reliable for OpenAI ChatGPT Plus, Claude Pro, and SaaS billing.
Compatibility information for this card was verified on 2026-10-15 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 161 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- imToken: BTC & ETH Wallet (IMTOKEN PTE. LTD.); Card account hosted in Fiat24 dApp
- Web Portal Support
- Full Web Portal (Cards Supported) — Card onboarding begins in the imToken App: mint a Fiat24 account NFT on Arbitrum via the imToken Card DApp, then complete KYC in the Fiat24 dApp; subsequent card management, freeze/unfreeze, top-ups, and account closure are executed in the Fiat24 dApp, which can be accessed from any web browser or crypto wallet holding the NFT.
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Available in key international markets
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
imToken Card is issued by Fiat24; card account data is governed by the Fiat24 (SR Saphirstein AG, Zurich, holding a FINMA FinTech licence) Privacy Policy (2023-02-14): explicitly subject to GDPR with EU data subject notice, providing rights of access, rectification, erasure, portability, restriction of processing, withdrawal of consent, and supervisory complaints; collects GPS location during onboarding and uses Google Analytics; Fiat24 terms state account balances and transactions are recorded on Ethereum/Arbitrum public blockchains, waiving Swiss banking secrecy within this scope. The imToken wallet privacy policy (embedded in Terms of Service, 2025-01-23, governed by Singapore law) outlines rights to access, rectify, delete, restrict, portability, consent withdrawal, and ad opt-out, without mentioning GDPR; App Store privacy link directs to an expired v2.token.im/tos URL.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Fiat24: Retained for the duration necessary for processing purposes and statutory retention periods; post-closure KYC data is retained for at least the statutory minimum mandated by Swiss AML Act and Banking Act (regulators may extend), with other data anonymized; on-chain records cannot be deleted. imToken: No retention duration specified.
- App Store Privacy Label
- No tracking data; Linked to you: 0 categories; Not linked to you: 2 categories
- Google Play Data Safety
- No data shared with third parties; Declares no data collected; Deletion mechanism not specified; Data encrypted in transit
- Account Deletion Flow
-
Self-service account closure must be performed in the Fiat24 dApp: clear all currency balances to zero, navigate to Profile and click Close Account, and sign to confirm with your wallet; once closed, no further Fiat24 accounts may be opened; imToken is self-custodial (deleting only removes local data); Google Play does not specify a deletion method.
Verified on 2026-10-15. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Why It Suits Cross-Border & Web3 Users
Holding an individual Swiss IBAN account with assets safeguarded in regulated banking rails minimizes the systemic risk of abrupt offshore prepaid card cancellations. [1] [2]
WeChat Pay & Alipay Practical Tips
When paying via WeChat Pay or Alipay, keeping transactions at or under 200 RMB avoids the domestic 3% fee; larger payments incur standard 3% platform surcharges. [2]
Frequently asked questions
Can imToken Card be linked to WeChat Pay and Alipay?
Yes. Tested successfully on WeChat Pay and Alipay for supermarkets, food delivery, ride-hailing, and domestic e-commerce.
What documents are required to apply for imToken Card?
Requires a valid international passport (including Mainland China passports) and a smartphone for facial verification, plus a small amount of ETH on Arbitrum for NFT minting gas.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of imToken Card on X; search results may change over time.
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