A crypto card that spends from an Arbitrum wallet, available in parts of Europe and Asia-Pacific

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The TokenPocket card is a Visa or Mastercard debit that draws on a balance you fund from a self-custody crypto wallet rather than from a bank account. The wallet sits on Arbitrum, and the balance is held in two euro- and dollar-denominated tokens (EUR24 and USD24) issued by a Swiss-regulated financial institution that the FAQ does not name directly. In practice the user spends fiat-balance tokens at the till, while the crypto side lives in a wallet the user controls with a private key.

This is a review for anyone who already has, or is considering, a TokenPocket wallet and wants to know whether the card is worth setting up, what it costs to run day to day, where it can be used and what happens when things go wrong. I have gone through the card’s public pages and FAQ, and I have compared the offering against three alternatives. The information below reflects what the card says about itself, plus what the issuer-side service’s users have reported independently.

Conditions are current as of October 28, 2026.

Verdict

The TokenPocket card scores 5.8 out of 10. The strongest arguments in its favour are the very low disclosed cost — only a 1% fee on crypto top-up and an unstated “small portion” of the account-NFT creation — and the breadth of mobile wallets it plugs into, from Apple Pay and Google Pay through to Alipay and WeChat Pay. The weaker points are the very thin FAQ on costs, limits, ATM access and physical card details, the narrow list of supported countries, and the issuer-side service’s user reports of unresponsive support and delayed funds. In short, this is a card for someone who already lives inside the TokenPocket wallet, who spends primarily in Europe or the Asia-Pacific countries on the published list, and who is comfortable being an early user of a programme that does not yet spell out its own terms in full.

If you are a TokenPocket user in Germany, France, Spain, Switzerland, Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea or the UK, the card is plausible. If you live in the Americas, in most of Africa, in South Asia, or anywhere else not on either list, the card is not yet available where you are, and you should look at the alternatives in the section below.

Who can get the TokenPocket card

Eligibility is the first thing to check, because the card’s geographic reach is narrower than most crypto cards I have looked at. The card’s own FAQ states that a Visa debit version is available in a list of European countries and territories — Germany, France, Spain and Switzerland are named as examples — and a Mastercard debit version is available in Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK. The Americas are listed as “planned for Q2 2025”, which, given that this review is written in 2026, is a plan whose status I cannot confirm from the public pages; treat the Americas as not currently supported until the card’s FAQ says otherwise.

The way to think about the country list is residence-based, not citizenship-based. TokenPocket’s published text names the countries where the card is available; it does not publish a separate list of excluded nationalities, but it does not publish a citizenship rule either, so a holder of, say, a non-EEA passport living in Germany would need to confirm their own situation at sign-up. A common pattern in EU-issued programmes is that the card is bound to the country that performed KYC, so a German card is generally a German card even if you travel.

Outside the named lists, the card is not available. If your country is not on either list, the application will not get past the country-selection step, and you should not rely on a VPN or a friend’s address to get one: KYC requires your real documents, and mismatches between documents and connection are a common reason for accounts being frozen or refused.

How to get the TokenPocket card

Sign-up is built around the wallet, not around a banking app, and that is the part of the flow that is most unlike a normal card application. The card’s FAQ describes a five-step process: download TokenPocket, create or import an Arbitrum wallet, mint an account NFT, complete registration and receive the card. Each wallet can mint only one account NFT, so the NFT is effectively your account identifier on the issuer’s side.

The identity check is described as “on-chain wallet verification” rather than as a traditional document upload. The card’s public pages do not publish a separate list of accepted documents, do not state whether proof of address is required, and do not set out tiered verification levels. That is unusual; most card programmes at least publish what they need to see. The fact that support emails for “frozen accounts” go to the issuer-side service (Fiat24) suggests the document checks happen there, but the exact list of documents is not stated on the pages I have read. If you need to know what to prepare, you will need to start the flow in-app.

The card is described in the FAQ as a “Mastercard/Visa debit card”, with a balance held in EUR24 and USD24. The card programme is virtual: the FAQ mentions virtual cards but does not describe a physical card or a delivery process, and it does not mention a PIN. If a physical card exists at all, it is not part of the published offer, and if you need a tangible piece of plastic for an ATM, you should assume this is not the card for that.

In summary, the sign-up flow is light on details but consistent in shape: wallet first, NFT second, registration third, card last. The one piece of friction that is named explicitly is the NFT-minting step, which carries the fee structure I describe next.

TokenPocket card fees: what it really costs

The published fee structure is short, which is unusual for a card and is both a strength and a weakness. It is a strength because the numbers are easy to remember; it is a weakness because several common card costs are simply not addressed.

The 1% top-up fee is the headline cost, and the card’s own pages describe it as refundable “later through rewards, reduced transaction fees, etc.” — the “etc.” is the card’s, not mine. Treat that promise as marketing copy: the mechanism and the timing of any rebate are not specified, and at the time of writing no cashback, points or rebate schedule is published. The “small portion” of the NFT minting fee is the only other stated cost, and the FAQ does not put a number on it.

Two cost areas that you would normally see on a card page are simply not addressed in the FAQ. There is no foreign-exchange mark-up published, so the EUR24 and USD24 conversion rate is set by the issuer-side service, and you have to trust that the rate is fair. There is no ATM fee published, which — given that the card is described as virtual only — most likely means ATM access is not part of the offer, but the page does not say so explicitly. And there is no daily or monthly spending limit, which means you have no published answer if your card is unexpectedly declined for size.

To put the published cost in everyday terms, three common payments look like this:

• A €40 grocery shop paid in euros from a EUR24 balance. The crypto is converted at top-up, so the 1% fee is paid once when the balance is funded, not at the till. The shop sees a euro debit on a Visa or Mastercard and charges no foreign-exchange fee (it is in the card’s home currency).
• A $30 streaming subscription paid in dollars. Same logic: the 1% fee was already paid at top-up; the merchant sees a normal US-dollar debit. The card’s FAQ does not publish any subscription or recurring-payment fee.
• A dinner in Tokyo paid with a Mastercard from a USD24 balance. The card converts dollars to yen through the network. Because the card does not publish an FX mark-up, the cost is the network rate plus whatever the issuer applies behind the scenes; “extra fees can come from inter-institution settlement” is the card’s own wording, and it is the only hint of a cross-border cost on the page.

The honest summary is that, for spending in EUR24 or USD24 inside a country that uses euros or dollars, the published cost is the 1% top-up fee and nothing else. The minute you cross a currency border, you are in territory the FAQ does not describe, and you should not assume there is no cost.

How to top up the TokenPocket card

Top-up is where the card is most clearly a crypto-native product, and it is also where the published details are thinnest. The card’s FAQ says that funding comes from the TokenPocket wallet and that the wallet is on Arbitrum. The FAQ does not list the specific tokens that can be deposited, does not list the supported networks beyond Arbitrum, and does not state a minimum top-up amount. The page also does not describe a fiat on-ramp — there is no mention of a bank transfer, a card top-up or a third-party payment service.

In practice, that means the published top-up flow is: convert or hold the asset you want to fund with in your TokenPocket Arbitrum wallet, send it to the card’s deposit address on Arbitrum, pay the 1% fee, and the corresponding EUR24 or USD24 balance appears on the card. The wallet that receives the balance is the one tied to the account NFT you minted during sign-up, so the deposit address is fixed once you have an account. If you send a token the card does not support, or send a supported token on a network other than Arbitrum, the funds may be lost or stranded; the FAQ warns that blockchain transfers are irreversible but does not spell out the recovery process for a wrong-network deposit.

Because the FAQ does not list supported tokens, the only safe assumption is that the tokens advertised at the deposit screen are the tokens the card accepts at that moment. Stablecoins on Arbitrum — USDC and USDT — are the obvious choices, but you should not transfer until the in-app screen confirms the token and the network; sending USDT on Ethereum to an Arbitrum address is a common way to lose money, and no support line can reverse it.

The card also offers a wire-withdrawal path in the opposite direction. The FAQ says wire transfers are generally credited within 1 to 2 business days and does not state a fee. That is fast for a wire, and the absence of a stated fee is consistent with the rest of the cost story: the card is cheap on the things it publishes and silent on the things it does not.

Paying with the TokenPocket card every day

Everyday use is the part the card is most explicit about, and the part that will matter most if you are a frequent traveller or a heavy mobile-wallet user. The card supports Apple Pay, Google Pay, Samsung Pay, Alipay and WeChat Pay for in-person spending. That list is unusually broad for a crypto card — the inclusion of Alipay and WeChat Pay matters in particular if you spend time in mainland China or with Chinese merchants abroad — and it means the card can be added to whichever wallet you already keep on your phone.

Because the card is described as virtual, the everyday experience is wallet-only. There is no published swipe or insert, no published ATM experience, and no published PIN. If your usual way to pay is tap-to-pay on a phone, that is fine; if you need a physical card for, say, a hotel deposit or a car-rental hold, this is not the card for that situation.

The card is managed inside the TokenPocket app. The FAQ does not publish app-store ratings, and the dispute process is described in one line: refunds are credited 15 to 30 business days after the merchant completes its refund process. A 15-to-30-business-day refund window is on the slow side for a card; it is the merchant that drives the timeline, not the card. The FAQ does not describe a separate chargeback route — a card-network dispute you can open when a merchant refuses to refund — and it does not name a regulator or an ombudsman you can turn to if a refund does not arrive. If you regularly deal with merchants who are slow to refund, that is a point to weigh.

There is no cashback programme, no points scheme and no sign-up bonus published. The 1% top-up fee is described as recoverable “through rewards, reduced transaction fees, etc.”, but no schedule, rate or mechanics are published. Treat that line as a future promise, not a current benefit. The FAQ also does not list blocked merchant categories (for example, gambling or crypto purchases), so the card may be usable everywhere a normal Visa or Mastercard debit works; the absence of a blocked list is not the same as a confirmation that no blocks exist, but it is the best you can do from the public pages.

What can go wrong with the TokenPocket card

The card itself does not have a public incident list that I can point to, so the risks below are a mix of the card’s own stated limits and what users of the issuer-side service have reported. The issuer is described, in the FAQ, as a “compliant financial institution” with a Swiss-compliant bank in the background; the FAQ does not name the issuer, but support emails go to Fiat24, and I have used Fiat24’s public profile as a proxy for what the card’s support experience is likely to look like.

The first risk is country and licence. The card is available in a defined list of countries; if your country is not on the list, the card is not available, and “available soon” plans have a habit of slipping. The card is also offered jointly with a Swiss bank and a programme manager (TokenPocket) whose licences are not published in the FAQ, so if you need to know who is regulated to do what, you have to ask at sign-up.

The second risk is support. Fiat24’s Trustpilot score, read on 2026-10-21, is 2.2 out of 5 from 8 reviews, and every one of those reviews is a single star. The themes across those reviews, dated December 2024 to May 2026, are unresponsive customer service, funds being held or delayed, and failed transfers. That is a small sample, and it is the issuer-side service rather than the TokenPocket card itself, so it is not a verdict on the card. It is, however, the only publicly available signal about the experience of dealing with the people behind the card, and it is worth weighing.

The third risk is key custody. The card is built around a self-custody Arbitrum wallet, and the FAQ describes the recovery flow in detail. If you lose your key, Fiat24 verifies your identity, locks the old account and moves the NFT and funds to a new Arbitrum wallet you control; a small fee may apply. If your key is stolen, the flow is to lock the card and move funds if you are still logged in, or to contact Fiat24. That recovery flow is real, but it depends on you being able to prove your identity to Fiat24, and it does not undo transactions an attacker has already made: blockchain transfers are irreversible, and the network cannot return funds.

The fourth risk is silent on the public pages. There is no published 2FA requirement, no published custody model beyond “wallet credentials”, and no published insurance or safeguarding statement for the EUR24 and USD24 balances. EU-licensed e-money institutions are normally required to safeguard customer funds in segregated accounts, but TokenPocket is not described in the FAQ as an e-money institution, and the card programme is not stated to be covered by any deposit guarantee scheme. If safeguarding matters to you, the answer is to ask before you fund the card with anything you cannot afford to lose.

What to take instead of the TokenPocket card

If the TokenPocket card does not fit — wrong country, no physical card, no published ATM access, no published limits — there are three alternatives worth weighing. None of them is a perfect substitute; each makes a different trade-off.

MetaMask Card is the closest in spirit: it is a self-custody card that spends directly from a connected wallet, with mUSD, wETH, EURe, GBPe, USDC and USDT named as supported tokens. It is open in a longer list of countries than TokenPocket and offers both a free virtual tier and a paid Metal tier with higher cashback, and it works on Linea, Base, Monad and Solana rather than only on Arbitrum. The catch is that US and UK sign-ups are temporarily closed per its FAQ at the time of writing, and citizenship rules are not stated.

KAST is the most feature-rich of the three. It offers virtual and physical Visa cards (up to ten per user), including a Visa Infinite metal and gold-plated design, with stablecoin top-up in USDT, USDC, PYUSD and RLUSD on five networks and a tiered cashback programme that pays up to 3% in USD plus extra KAST Points on the paid tiers. The price of the top tier is steep — US$1,000/year for Premium and US$10,000/year for Private, billed annually upfront — and the country list is shown at KYC rather than published, so you only find out whether you are eligible when you start the flow.

Zeal is the third option, built on Gnosis Pay infrastructure. It is spendable in 150-plus countries and has a programme live in the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, the Philippines, Indonesia and Thailand, with virtual-card support and up to 4% cashback paid in GNO. The published cost is thin — Zeal itself does not publish a fee schedule, and Gnosis Pay’s ATM and other fees may still apply — but it is the broadest in geographic reach of the three.

If you are a TokenPocket user who cannot get the TokenPocket card, MetaMask Card is the most natural fallback because it shares the “spend from your own wallet” model. If you want a physical card with a published fee structure, KAST is the one to read first. If you need the widest list of countries and are comfortable with a less complete fee page, Zeal is the option to look at.

Who I would recommend the TokenPocket card to

I would recommend the TokenPocket card to a specific kind of reader. If you are an existing TokenPocket wallet user in Germany, France, Spain, Switzerland, Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea or the UK, and you already use Apple Pay, Google Pay or one of the Asian mobile wallets for most of your spending, the card is a reasonable way to turn part of a crypto balance into day-to-day spending money. The 1% top-up fee is competitive with the better-known crypto cards, the mobile-wallet list is unusually broad, and the absence of monthly or annual fees is genuinely attractive for a low-balance user.

I would not recommend it if you need a physical card, if you want to use ATMs, if you live in a country not on either list, if you plan to spend in a currency other than euros or dollars at scale, or if you are the kind of user who reads a fee page expecting to find a foreign-exchange mark-up, a daily limit and a chargeback route. The card’s public pages are unusually thin on those points, and the issuer-side service’s user reports are not reassuring on the support side.

I would also not recommend it as a way to hide a crypto balance from a tax authority, a regulator or a partner. The card’s KYC flow uses on-chain wallet verification plus Fiat24’s identity checks, and the EUR24 and USD24 balances are visible to the issuer-side service. If you need that level of privacy, this is not the product, and I would not help you look for one.

Finally, treat any plan to use the card for a large balance as a decision that needs more than the public FAQ. Ask the support address which entity issues the card, which regulator oversees it, what FX mark-up applies to a non-euro, non-dollar transaction, whether there is a daily or monthly limit, and what happens to your balance if the programme ends. The answers should be in writing before you fund it.

Frequently asked questions

What is the TokenPocket card?

The TokenPocket card is a Visa or Mastercard debit card that spends a euro- or dollar-denominated balance (EUR24 or USD24) which is funded by transferring crypto from a TokenPocket wallet on Arbitrum. The card is built around an on-chain account NFT that the user mints once per wallet.

How does the TokenPocket card work?

You mint an account NFT in your TokenPocket wallet, complete registration, top up the card from your wallet (paying a 1% fee on the deposit), and spend the resulting EUR24 or USD24 balance anywhere Visa or Mastercard is accepted, including through Apple Pay, Google Pay, Samsung Pay, Alipay and WeChat Pay.

Is TokenPocket a bank?

TokenPocket is not described as a bank in the card’s FAQ. The card is issued jointly with a “compliant financial institution” that the FAQ ties to a Swiss-compliant bank; the FAQ does not name the issuer directly, but support emails go to Fiat24.

Who owns TokenPocket?

The card’s public pages describe the issuing side as a Swiss-compliant bank working with TokenPocket as the wallet and programme partner, and the FAQ routes support queries to Fiat24. Ownership of the wallet company itself is not stated on the card’s pages.

Is the TokenPocket card available in the United States?

At the time of writing, the card’s FAQ lists the Americas as “planned for Q2 2025” and does not currently include any American country in either the Visa or the Mastercard list, so the card is not available in the United States until the FAQ is updated.

How do I apply for the TokenPocket card?

You download TokenPocket, create or import an Arbitrum wallet, mint an account NFT, complete registration and receive the card. The identity check is described as on-chain wallet verification rather than a document upload, and the FAQ does not publish a separate document list.

Does the TokenPocket card require KYC?

Yes. The card’s sign-up flow includes an on-chain wallet verification step and the FAQ routes post-sign-up identity and account issues to Fiat24, so a customer due-diligence check is part of the process even though the FAQ does not list the exact documents.

How do I top up the TokenPocket card?

You send crypto from your TokenPocket wallet on Arbitrum to the card’s deposit address, pay a 1% fee, and the corresponding EUR24 or USD24 balance appears on the card. The FAQ does not publish a list of supported tokens or a minimum top-up amount, so the in-app screen is the source of truth at the moment of deposit.

How do I add the TokenPocket card to Apple Wallet or Google Pay?

The card supports Apple Pay, Google Pay, Samsung Pay, Alipay and WeChat Pay for in-person spending. The exact in-app steps for adding a token are not described in the FAQ, so the Add Card flow in your phone’s wallet is the way to do it once the card is active.

Is the TokenPocket card safe?

The card is built around a self-custody Arbitrum wallet with a key-recovery flow that routes through Fiat24’s identity checks, and the public pages do not report a programme-level incident. The Trustpilot profile of the issuer-side service, Fiat24, is 2.2 out of 5 from 8 reviews, all one star, with complaints about support and delays, which is a signal worth weighing alongside the card’s own positive cost story.

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