SafePal Card:
a wallet company's card, with a wallet company's fee discipline.
We tore apart SafePal's Swiss-banked debit card across seven weighted categories; from genuinely strong non-custodial security and reach into markets most competitors haven't launched in, to an almost total absence of general spending rewards; and landed on a score the marketing page won't show you.
Our take, up front: SafePal built its name as a hardware and software wallet company, and this card reads like exactly that: genuinely strong non-custodial security, a Swiss-banked partner (Fiat24) for the fiat side, a clean $0-annual-fee structure with 0% FX on four major currencies, and reach into Asian and emerging markets most competitors in this series haven't launched in. What it doesn't have is much of a reward: no general cashback program exists, just a narrow 2% hotel-booking perk and a fee subsidy on early monthly spend. Multiple independent reviewers name ether.fi Cash as the closest comparable card, and note plainly that ether.fi wins on rewards while SafePal's advantage is lower top-up fees and genuinely broader geographic reach. We weighted all of it below.
This card connects directly to a SafePal hardware or software wallet, so custody isn't a bolt-on feature, it's the core of what SafePal has built its entire reputation on as a wallet provider. Funds stay in your own wallet and convert at the point of sale, the same self-custody-until-spend model this series has praised on ether.fi and Gnosis Pay. The fiat side runs through Fiat24, a Swiss banking partner offering individual Swiss IBAN accounts, adding a real layer of Swiss regulatory oversight most cards in this series don't have.
Pros
- Deep integration with SafePal's established hardware and software wallet ecosystem
- Genuinely non-custodial; funds convert at the point of sale, not before
- Swiss banking partner (Fiat24) adds real regulatory oversight to the fiat side
Cons
- Fiat24 suspended new account onboarding for mainland China residents as of June 5, 2026 (existing accounts unaffected)
- On-ramp functionality has been disabled since March 2026, forcing reliance on third-party providers like MoonPay
- Requires genuine comfort managing a self-custody wallet, a real barrier for less technical users
There is no general cashback or rewards program on ordinary spending, confirmed explicitly across independent sources. What does exist is narrower: a "666 Zero Fee Subsidy" that covers exchange-conversion losses on the first $666 in monthly spending, and an ongoing 2% cashback specifically on hotel bookings made through the Entravel travel portal (down from a 3% promotional rate that ran December 2025 through March 2026 and has since ended).
Pros
- "666 Zero Fee Subsidy" offsets conversion losses on the first $666 in monthly spending
- 2% ongoing cashback on hotel bookings through the Entravel portal
Cons
- No general cashback or rewards program on everyday spending of any kind
- The stronger 3% Entravel promotional rate has already expired, leaving a lower ongoing rate
- Independent reviewers directly compare this unfavorably to ether.fi Cash's 2-3% general cashback
$0 annual fee, clean and uncaveated, with no tiers or minimum spend to waive it. FX is 0% across four major currencies (EUR, CHF, USD, CNY) and 1% for others, genuinely favorable given how many currencies fall under the 0% bracket. Top-up costs 1% via bank transfer (with rebates up to 0.6% by tier) or 0.3-0.5% for crypto top-ups. One independent calculation puts the real-world cost at roughly $0.60 per $100 spent.
Pros
- $0 annual fee with no tiers or minimum spend requirements
- 0% FX across four major currencies (EUR, CHF, USD, CNY)
- Real-world calculated cost of roughly $0.60 per $100 spent
Cons
- 1% FX applies to any currency outside the four-currency 0% bracket
- 1% bank top-up fee, though partially offset by tier-based rebates up to 0.6%
SafePal covers 60+ countries, a genuinely broad footprint that includes Asian and emerging markets many competitors in this series haven't launched in, with recent expansions to India, Malaysia, Singapore, and the UAE. The US is explicitly excluded, consistent with most of this series. A real, dated development worth flagging: Fiat24 stopped onboarding new mainland China accounts as of June 5, 2026, though existing accounts remain unaffected, notable given SafePal's historically strong ties to the Chinese crypto community.
Pros
- Genuinely broad reach into Asian and emerging markets underserved by most competitors
- Recent expansions to India, Malaysia, Singapore, and the UAE
- No credit check; eligibility is based on KYC verification, not creditworthiness
Cons
- US residents are explicitly excluded
- New mainland China account onboarding was suspended as of June 2026
- Full KYC (government ID and proof of address) is required through the Fiat24 onboarding process
Dual hardware and software wallet support is a genuine differentiator; most cards in this series don't have a hardware-wallet-anchored option at all. Multi-chain asset support is broad, though one independent reviewer flags this same breadth as a real source of interface complexity for users unfamiliar with managing assets across many networks. There's no staking or yield mechanism on idle balances, and the on-ramp feature has been disabled since March 2026, pushing users toward third-party providers like MoonPay for buying crypto to fund the card.
Pros
- Dual hardware and software wallet support, a genuine differentiator in this series
- Broad multi-chain asset support for funding the card
Cons
- On-ramp functionality disabled since March 2026, requiring third-party providers to buy crypto
- No staking or yield mechanism on idle balances
- Multi-chain breadth can create real interface complexity for less experienced users
Apple Pay and Google Pay are both supported. Onboarding runs through Fiat24's standard KYC process, government ID and proof of address, described as thorough (Level 4 verification per one source). SafePal has shown active product investment, including limited-edition Mastercard designs launched for 2026 with claim mechanics tied to transaction activity or referrals. We found no independently cited app-store rating for the card feature specifically.
Pros
- Apple Pay and Google Pay support
- Active, ongoing product investment (limited-edition card designs, evolving perks)
Cons
- Full KYC verification described as thorough, adding real onboarding time
- No independently cited app-store rating found for the card feature
SafePal is a well-established name in crypto, primarily known as a hardware and software wallet provider with a long-standing reputation. The card feature itself launched via the Fiat24 partnership in March 2024, giving it roughly two years of operating history by this review, more mature than several newer cards in this series. An independent tracker lists the card as "operational" as of May 2026. No major disclosed security incidents or scandals specific to the card were found, though the recent China account suspension and disabled on-ramp are real, if modest, operational blemishes worth factoring in.
Pros
- Well-established wallet-company reputation predating the card itself
- Roughly two years of card-specific operating history via the Fiat24 partnership
- No major disclosed security incidents or scandals found specific to the card
Cons
- Recent China account-onboarding suspension and disabled on-ramp are real, if modest, operational blemishes
- No large-sample independent review score (like a Trustpilot rating) found specific to the card
Open it free, but confirm your country and KYC path first.
The card itself costs nothing to hold, but you'll need a compatible SafePal wallet and to complete Fiat24's full KYC process. Confirm your country is supported and that recent changes (like the China account suspension) don't affect you before starting.
A wallet company's card: secure by instinct, rewarding almost never.
SafePal's strength here is exactly what you'd expect from a company whose entire business is wallet security: a genuinely non-custodial model, a Swiss banking partner, and reach into Asian and emerging markets most competitors in this series haven't touched. The fees are clean, the FX coverage on major currencies is genuinely good, and none of it requires you to trust an exchange with your funds. What it doesn't do is reward you for using it; general cashback simply doesn't exist here, leaving only a narrow travel perk and a small fee subsidy in its place. This is a solid, honest card for someone who already trusts SafePal's wallet ecosystem and doesn't prioritize rewards; it's a clear step down for anyone comparing it directly against ether.fi Cash's combination of similar custody and real spending cashback.
The scorecard above is deliberately general. Whether the SafePal Card is right for you depends heavily on which of these you already are.
The existing SafePal wallet user
You already hold assets in a SafePal hardware or software wallet. Connecting the card is a natural extension of an ecosystem you're already invested in, with no new custody trust required.
The Asia or emerging-market resident underserved elsewhere
SafePal's recent expansions into India, Malaysia, Singapore, and the UAE, plus 60+ country coverage overall, make it a genuine option in regions many other cards in this series simply don't reach.
The frequent EUR/CHF/USD/CNY spender
0% FX across these four currencies specifically is a real, quantifiable win if most of your spending falls within that bracket, independent of the missing general cashback.
US residents, or anyone who wants cashback on everyday spending
The card isn't available in the US, and outside a narrow travel perk, there's no general reward for using it. ether.fi Cash offers a comparable custody model with real spending rewards attached.
The scorecard covers the headline judgment calls. These four tables cover the specifics we didn't want to bury in prose; the fee schedule, exactly what the two available reward mechanisms actually cover, a direct comparison against ether.fi Cash (the card independent reviewers name most often as the closest alternative), and how SafePal compares against every other card we've reviewed in this series.
Fee schedule
| Fee | Amount |
|---|---|
| Annual fee | $0 |
| FX (EUR/CHF/USD/CNY) | 0% |
| FX (other currencies) | 1% |
| Bank top-up | 1%, with rebates up to 0.6% by tier |
| Crypto top-up | 0.3%-0.5% |
| Real-world calculated cost | ~$0.60 per $100 spent |
The 0% FX bracket covering four major currencies is genuinely broader than most cards in this series offer; confirm your specific spending currency falls within it before assuming the 0% rate applies.
What the two reward mechanisms actually cover
| Mechanism | What it covers |
|---|---|
| 666 Zero Fee Subsidy | Covers exchange-conversion losses on the first $666 in monthly spending |
| Entravel hotel cashback | 2% ongoing cashback on hotel bookings via the in-app Entravel portal only |
| Everything else | 0%; no general spending cashback exists |
Neither mechanism functions as a general spending reward. A promotional 3% Entravel rate ran December 2025 through March 2026 and has since reverted to the standard 2%.
SafePal vs. ether.fi Cash
| SafePal Card | ether.fi Cash | |
|---|---|---|
| Custody model | Non-custodial via SafePal wallet | Non-custodial Safe vault |
| General cashback | None | Up to 3% in wETH |
| Top-up fees | 0.3%-1% depending on method | Free |
| Asset support | Broad multi-chain | Narrower, ETH-focused collateral |
| Region | 60+ countries, no US | ~20 US states, UK, EEA, HK, UAE |
Multiple independent reviewers name this as the closest head-to-head comparison in the category: comparable custody, but ether.fi wins clearly on rewards and top-up costs, while SafePal wins on broader multi-asset and geographic reach.
How it compares to the other cards we've reviewed
| Card | Reward rate | Custody model | Region |
|---|---|---|---|
| SafePal Card | None (2% hotel-only perk) | Non-custodial via wallet | 60+ countries, no US |
| Avici Card | 0%, by design | Self-custodial escrow smart contract | ~49 countries, excl. EU/UK/Canada |
| ether.fi Cash | Up to 3% wETH | Non-custodial Safe vault | ~20 US states, UK, EEA, HK, UAE |
| Gnosis Pay | 1%-5% GNO | On-chain verifiable Safe wallet | EEA, UK, Argentina, Brazil |
| Nexo Card | 0.5%-2% NEXO/BTC | Custodial exchange balance | EEA, UK, CH, Andorra |
SafePal and Avici are the two cards in this series with effectively no general cashback, but SafePal's broader geographic reach and wallet-brand pedigree give it a meaningfully higher overall score despite sharing the same core rewards weakness.
We don't just want to hand you our number; we want to show you how it sits next to what other review desks and comparison sites have published. There's a reasonable body of independent coverage for this card, but no source we found publishes a clean numeric star rating, so every entry below is our conversion of that outlet's published verdict, clearly flagged as an estimate.
Our score lands modestly below the aggregated industry average; most outlets credit the strong non-custodial model and low fees generously enough to offset the missing cashback in their overall framing. We weight the absence of general rewards a bit more heavily than that, consistent with how we score every card in this series.
| Source | Score | Type |
|---|
Scores compiled by our editorial team from publicly available reviews as of August 2026. "Editorial estimate" means the outlet didn't publish a single numeric score, so we converted their published verdict and sentiment into a comparable 100-point figure. Verify current figures directly with each source before citing them elsewhere.
Not on general spending. There's no cashback or rewards program for everyday purchases. The only reward mechanisms are a 2% cashback rate on hotel bookings through the in-app Entravel portal, and a "666 Zero Fee Subsidy" that offsets conversion losses on your first $666 in monthly spending.
You need a compatible SafePal wallet, either the hardware device or the software app, since the card connects directly to it for non-custodial spending. This is different from cards that only require a generic exchange account.
No, the card is explicitly not available to US residents. It is available in 60+ other countries, including recent expansions to India, Malaysia, Singapore, and the UAE.
SafePal's Swiss banking partner, Fiat24, suspended new account onboarding for mainland China residents effective June 5, 2026. Existing accounts opened before that date remain unaffected. This is worth confirming directly if you're in mainland China and considering signing up now.
The specific reason wasn't detailed in the sources we reviewed, but it's been disabled since March 2026. In the meantime, SafePal directs users to buy crypto through third-party providers like MoonPay to fund the card instead.
Spending in EUR, CHF, USD, or CNY carries 0% FX. Any other currency carries a 1% FX fee. Confirm which bracket your typical spending falls into before assuming the 0% rate applies to you.
Multiple independent reviewers name ether.fi Cash as the closest comparable card: both are non-custodial with a similar spend-at-point-of-sale model. ether.fi wins clearly on rewards (2-3% cashback vs. none) and has free top-ups; SafePal wins on broader multi-asset support and reaches more countries, including markets ether.fi doesn't cover.
Full identity verification through Fiat24's onboarding process, typically a government-issued ID and proof of address. One source describes this as a thorough, Level 4 verification process, so budget real time for onboarding rather than expecting instant approval.
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