Costs /yr if you spend A year at $500/mo2% cashback+$120Currency fee−$108Crypto conversion−$54
2% cashback, no monthly fee
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Zoomex Card
Tap the card to read the small print
Your first yearCosts about/yr
- Monthly fee · none
- $0
- Cashback
- None
- Currency fee · 2%
- /yr
- ATM
- No ATM (virtual only)
- Your money
- Company holds it
- Sign-up
- Zoomex account + UR account with ID check
- Apple / Google Pay
- The card itself
- Free virtual
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For Zoomex traders who want a multi-currency account with a free bank transfer route and a card for online and phone payments. Not for you if you need a plastic card or cash from ATMs.
Need cash from ATMs? Compare with Lava Card
Good to know
- Swiss IBAN with EUR and CHF transfers free
- Holds six currencies and spends the matching one
- Apple Pay, Google Pay and Samsung Pay
- Virtual only, no cash withdrawals
- 1–2% on currencies you don't hold
- Two sign-ups: Zoomex and UR
Fees
SourceZoomex Card page · checked November 10- Card issuance / annual fee
- Free / noneNo dormancy or cancellation fee
- Paying abroad
- UR help center, UR Mastercard Debit Card (03.11.2026) · November 10
- 0–2%0% from a balance in the same currency; 1% from another balance or EUR for unsupported currencies; 2% for unsupported currencies paid from a non-EUR balance
- Crypto to fiat
- 1%UR's own table: 0.5% Basic, 0% Pro
- Fiat to crypto
- 0%
- Bank transfers (EUR, CHF)
- UR help center, multicurrency fiat account · November 10
- Free on ProUSD payout $50
Plans
UR Pro (free for Zoomex cardholders)Free
- €10,000 a day, €20,000 a month card spend
- Free SEPA / SWIFT
- 0% off-ramp on UR's table
Limits
SourceUR help center, UR Mastercard Debit Card (03.11.2026) · checked November 10- Card spending (Pro)
- €10,000 a day, €20,000 a monthBasic: €2,000 / €5,000
- Total account limit
- CHF 30,000 a monthZoomex page says 'up to 100,000 CHF' on Pro
Top up & withdraw
SourceZoomex Card page · checked November 10Top up
- Crypto
- USDC from Zoomex to URUR also lets you pay with a USDe balance
Withdraw
- Back to Zoomex
- Yes, for trading
For residents of 18 countries
Not on the list? Then Zoomex Card doesn't accept people living there yet.
- How they check where you live
- Device location identifies country/city/postcode; street address entered
- ID from another country
- Not for citizens of 9 countries, wherever they live
- Who can apply
- UR help center, opening a personal account (23.10.2026) · November 10
- 18+, government ID, not a US person, not domiciled in a UR-unsupported country and not in a Zoomex-excluded jurisdiction
Not for citizens of
American SamoaGuamIranNorth KoreaNorthern Mariana IslandsPuerto RicoRussiaU.S. Outlying IslandsUnited States
Trust
SourceZoomex Card page · checked November 10- Card issued by
- UR (SR Saphirstein AG); card co-branded with Zoomex
- Licence
- Fintech licence under Article 1b of the Swiss Banking Act, supervised by FINMA; Zoomex holds no fiat
- Based in
- Switzerland
Offers
Spend $5, get $10Sign-up reward for new cardholders, plus 1% cashback paid monthly to the Zoomex funding account (campaign rules 'being prepared').
Changes
- March 9Zoomex Card launched with UR
- November 10Zoomex Card: facts read from zoomex.com and UR's help center
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