UR Card Pro
A plan byUR Card · Mastercard
UR (pronounced "You Are") is a crypto-first neobank launched by the Mantle blockchain ecosystem, regulated in Switzerland under a FINMA FinTech license and issued through SR Saphirstein AG (Zurich). It offers a multicurrency account with a Swiss IBAN (EUR, CHF, USD and more, over SEPA and SWIFT) and a virtual-only Mastercard with no PIN and no ATM withdrawals, usable via Apple Pay, Google Pay and Alipay. On-chain crypto deposits (ETH, USDC, USDT, USDe on Ethereum, Base, Arbitrum and Mantle) are converted to fiat at real-time rates. The Basic plan is free with a 0.5% off-ramp fee; the Pro plan costs about EUR 12/month with zero off-ramp fees. Sources disagree on the FX markup on spending (roughly 1-2%). Available in 45+ countries across Europe and Asia, excluding the United States. No documented ATM limit (field set to 0) because the card does not allow withdrawals.
Pro
- canone_mensile_eur
- €12
- off_ramp_pct
- 0%
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | €12 |
|---|---|
| IBAN | IBAN svizzero multivaluta (SEPA + SWIFT) |
| Multi-currency | EUR, CHF, USD, RMB |
| Network | Mastercard |
| ATM withdrawal | Free |
| Free ATM limit | No ATM withdrawals (virtual card, no PIN) |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, UK, APAC · 40+ countries |
| Regulator | FINMA (Svizzera) |
| Segment | B2C |
| Funding / solidity | UR (pronounced "You Are") is a crypto-first neobank launched by the Mantle blockchain ecosystem in June 2025. Accounts are offered by SR Saphirstein AG, a Zurich-based financial institution regulated in Switzerland under a FINMA FinTech license. |
| MiCA / License status | FINMA FinTech License (Art. 1b Swiss Banking Act) Regulated in Switzerland under a FINMA FinTech license (Art. 1b Swiss Banking Act), issued through SR Saphirstein AG (Zurich). Multicurrency Swiss IBAN accounts on the Mastercard network. |
Strengths
- Multicurrency Swiss IBAN (EUR/CHF/USD) with SEPA and SWIFT, under FINMA license
- On-chain crypto deposits (ETH, USDC, USDT, USDe) with instant fiat conversion and mobile-wallet spending
- Pro plan removes the off-ramp fee; USDe staking rewards available
- No notable sovereignty advantage documented.
Weaknesses
- Virtual card only: no physical card, no PIN, no ATM withdrawals
- Custodial model and no deposit insurance; United States excluded
- Fixed spending limits and no cashback; FX markup on foreign spending
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Regulated in Switzerland under a FINMA FinTech license (Art. 1b Swiss Banking Act), issued through SR Saphirstein AG (Zurich). Multicurrency Swiss IBAN accounts on the Mastercard network.): reporting to authorities and freezes on order.
Verdict
Custodial model under a Swiss FINMA FinTech license: deposits are held 1:1 but without bank deposit insurance. Solid regulatory framework, but no deposit guarantee and the United States are excluded.
Custodial card: the user does not control the keys and fiat-converted funds are managed by the issuer. Full KYC required. Low sovereignty despite the on-chain crypto origin.
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
Can the UR Card be used at ATMs?
No. It is a virtual-only card with no PIN, designed for payments via Apple Pay, Google Pay and Alipay; ATM withdrawals are not supported.
Who issues and regulates UR?
UR is a project of the Mantle ecosystem, issued by SR Saphirstein AG (Zurich) under a Swiss FINMA FinTech license, with multicurrency Swiss IBAN accounts.
Sources
- chainwire.org Supported currencies · Paesi num Data verified on Jun 23, 2026
- group.mantle.xyz Azienda · Iban · Payment network · Crypto · +4 Data verified on Jun 23, 2026
- cryptocardhub.com Fx · Iban · Multivaluta · Emittente · +2 Data verified on Jun 22, 2026
- todey.xyz Payment network · Custodial · Regioni · Kyc · +6 Data verified on Jun 22, 2026