Fees
- Issue
- FreeNo account setup fee is stated.
- Service fee
- FreeNo account-management fee is stated.
- Top-up
- 0% + networkNo deposit fee. A blockchain transfer incurs network fees.
- Purchases
- 0%No separate purchase fee. Non-USD settlement incurs 1% conversion; blockchain gas is separate.
- Currency conversion
- 1%For settlement outside USD. Refund processing separately costs 1 USD, 1 EUR, 1 CHF or 7 CNH in the payment currency.
- Cashback
- Cashback not publishedThe reviewed SafePal terms do not publish an ongoing cashback programme.
Paying for services
- ChatGPTmixedsource
Not checked: Claude, Midjourney, App Store, Google Play, Netflix, Spotify, Steam, Booking.
Who can apply
- Identity check
- An identity document is required
- Residence: unavailable
- Russia
- Citizenship: unavailable
- Iran, North Korea, Russia
Sources (3)
- Bank2026-09-04
- Fee Rates for the SafePal Fiat Gateway and Mastercard2026-09-05
- Individual account2026-09-05
RS Score
79/100- Security
- Issuer
- Cost
- In practice
- Access
- Convenience
- Rewards
Score inputs
- Launched 2024 source
- Custody regulated EMI/bank source
- Issuer Fiat24 / SR Saphirstein AG source
- Incident 2026-06 Fiat24 suspended new account applications from Mainland China residents, preventing new applicants from applying through SafePal; existing users were reported unaffected. The available report attributes this to an official SafePal notice relaying Fiat24's announcement, but a direct SafePal notice was not located. source