TopNod Card
TopNod · Mastercard
TopNod Card is a virtual Mastercard linked to the TopNod self-custody wallet, available across 31 countries in the UK and EEA. Unlike traditional crypto prepaid cards, it requires no pre-loading or top-up: you spend directly from the non-custodial wallet, with crypto-to-fiat conversion handled at the point of purchase. It supports Apple Pay and Google Pay. The card is issued by SR Saphirstein AG, regulated by Swiss FINMA, and stems from the UR partnership announced in March 2026. It has no issuance fee and no monthly fee, applies a 1% FX markup, and offers no cashback. Being virtual-only it does not support ATM withdrawals. The daily spending limit is not publicly documented: it is shown as 0 here because no official figure is available. On Todey the company profile is still marked as unverified.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | Free |
|---|---|
| Multi-currency | USD, EUR, CHF, JPY |
| Network | Mastercard |
| ATM withdrawal | Free |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | UK, EEA |
| Regulator | FINMA |
| Segment | B2C |
| MiCA / License status | Emessa da SR Saphirstein AG, regolata da FINMA (Svizzera) |
Strengths
- Direct spending from the self-custody wallet, no pre-loading or card top-up needed.
- No issuance fee and no monthly fee; supports Apple Pay and Google Pay.
- Issuer SR Saphirstein AG is regulated by Swiss FINMA.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Virtual card only: no physical card and no ATM withdrawals.
- No cashback and a 1% FX markup on foreign-currency transactions.
- Availability limited to UK and EEA; company profile not yet verified on Todey.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Medium protection: the card is issued by SR Saphirstein AG, regulated by Swiss FINMA, but funds stay in the user's self-custody wallet, with no deposit guarantee scheme.
Good sovereignty: you spend directly from the non-custodial wallet without pre-loading the card, so keys and funds stay under the user's control until the moment of the transaction.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Do I need to top up the TopNod Card?
No. The card spends directly from the TopNod self-custody wallet: there is no need to pre-load or top up the card with fiat, as the crypto-to-fiat conversion happens at the point of purchase.
Is the TopNod Card physical or virtual?
It is a virtual-only card, usable via Apple Pay and Google Pay. There is currently no physical version and it does not support ATM withdrawals.
Sources
- Official service page Azienda · Self-custody · Wallet Data verified on Jun 22, 2026
- crypto-reporter.com Regolatore FINMA · Supported currencies Data verified on Jun 23, 2026
- odaily.news Emittente SR Saphirstein AG · FINMA · Co-branded Mastercard · UR Data verified on Jun 22, 2026
- todey.xyz Payment network · Regioni · Virtual card · Fx markup · +4 Data verified on Jun 22, 2026