Issued by Global Unit Pay (GUP-CH AG) — Swiss-registered financial intermediary affiliated with SO-FIT, a self-regulatory organization recognized by FINMA under the Swiss Anti-Money-Laundering Act
FNT Crypto CardReview
A hybrid-custody Mastercard prepaid card with tiered fee discounts up to 40% based on FNTIO token holdings.
The verdict
Best for: FNTIO token holders in Europe seeking up to 40% fee discounts.
Skip if: You need a physical card outside 31 European countries or dislike holding FNTIO.
- Pay a 2% top-up fee, reducible to 1.2% with FNTIO.
- No transaction fees in EUR, but a potential €15 monthly fee applies.
How it works
Funding: Crypto (14+ cryptocurrencies) · FNT web platform · Telegram mini-app
Tier requirements & loyalty
Referrals: 10-40% commission on referral activities depending on tier
Fees
| Transaction Fees | 0% No per-transaction fee on purchases |
| Card Issuance Fee | €32 (Physical) €10 (Virtual) Plus shipping for physical cards; reduced by tier discounts (10-40%) |
| Annual Maintenance | €150/year* *Alternative to monthly fee; verify in app/ordering flow |
| ATM Withdrawal Fees | 0% No FNT surcharge (ATM operator fees may apply) |
| Monthly Maintenance | €15/month* *Based on Global Unit Pay card tariff; verify in app/ordering flow |
| Foreign Exchange Fees | 0% When spending in card's native currency (EUR) |
| Top-up (Conversion) Fee | 2% of loaded amount Reduced by tier discounts (10-40%) |
Borrowing terms
Crypto Credit Line (planned Q3 2025) - ability to use crypto as collateral for a flexible credit line, tied to LTV
Crypto Credit Cards planned launch in Q3 2025 alongside LTV functionality
Custody & risk
- If the issuer disappearsIf provider disappears, unconverted crypto remains with user; fiat card balance may be lost.
- Counterparty riskFiat card balance may be lost if provider disappears
- Market riskBenefits heavily tied to FNTIO token holdings - token value fluctuation affects tier benefits
Users control crypto private keys until initiating a card top-up. Upon top-up, crypto is converted to fiat and held by the platform (custodial).
Protections
- Two-factor authentication
- Ability to freeze cards via app
- EMV chip security for physical cards
- Segregated accounts for fiat balances
Limits
The good
- Tiered discounts up to 40% on fees.
- Supports 8+ blockchain networks including Polygon, BSC, and TON.
- Seamless integration with Apple Pay and Google Pay.
The catches
- Standard 2% top-up fee before tier discounts.
- Potential €15 monthly or €150 annual maintenance fees.
- Physical cards limited to 31 European countries.
- Dedicated mobile apps are still in development (Q3 2025).
Limitations
- moderate2% top-up fee when converting crypto to fiat (reduced with higher tiers)
- moderatePhysical cards limited to 31 European countries (EU/EEA plus Switzerland)
- moderateBenefits heavily tied to FNTIO token holdings
- moderateMonthly (€15) or annual (€150) maintenance fees may apply
- minorDedicated mobile apps still in development (scheduled for Q3 2025)
- minorCashback program details not clearly specified
- minorSome merchants may not accept prepaid cards for certain transactions (hotels, car rentals)
- minorCannot convert fiat balance back to crypto through FNT
What users say
No public user ratings available yet
Rating breakdown
See our methodology for how we score each axis.