UR Card Review: Cashback, Fees, & Perks
UR combines a personal Swiss IBAN, seven fiat currencies, more than 20 digital assets, and a virtual Mastercard in one multicurrency account. Users can receive bank transfers, deposit digital assets, convert between the two, and spend the account balance online.
UR's clearest published pricing advantage is a 0% digital-asset off-ramp fee. There is currently no card cashback program, so the value proposition is account access and conversion rather than rewards.
UR is most relevant to users who need a Swiss IBAN and mixed fiat-and-stablecoin account alongside a virtual card. Users focused on cashback or a physical card will find more transparent alternatives.
Official card page: https://ur.app/
UR at a Glance
| Feature | Details |
|---|---|
| Card type | Virtual card linked to a multicurrency account |
| Card network | Mastercard |
| Account | Personal Swiss IBAN with SEPA Instant and SWIFT support |
| Supported balances | 7 fiat currencies and more than 20 digital assets |
| Cashback or rewards | None |
| Digital-asset off-ramp fee | 0% |
| Other consumer fees | Full schedule available in the app |
Card Fees
The UR Card has a 0% fee for both converting digital assets to fiat and vice versa, which is a notable perk compared to most cards we've reviewed.
Funding Your UR Card
Crypto Funding
UR supports more than 20 digital assets, including major stablecoins. Users can deposit supported assets onchain, convert them to fiat in the account, and spend the resulting balance with the virtual Mastercard.
Fiat and Bank Funding
Each personal account includes a Swiss IBAN. UR supports seven fiat balances—EUR, USD, CHF, CNH, SGD, JPY, and HKD—and can receive SEPA Instant and SWIFT transfers.
Additional Features
Personal Swiss IBAN
The IBAN is issued in the user's own name rather than as a pooled reference. That can simplify salary, client-payment, and bank-transfer workflows that require the sender and beneficiary details to match.
Unified Fiat and Digital-Asset Account
UR keeps fiat balances and supported digital assets in one account and provides a single statement across both. This is more useful for users moving between bank rails and stablecoins than a standalone prepaid card would be.
Availability and User Experience
UR is available through its web, iOS, and Android apps. Opening an account requires identity verification. The UR Card provides a virtual Mastercard for online spending, which can be added to Google Pay and Apple Pay.
Who Is This Card For?
UR fits users who want a named Swiss IBAN, several fiat balances, supported digital assets, and a virtual card in one account. The 0% published off-ramp fee is most valuable to users who regularly convert stablecoins into fiat.
Users who mainly want rewards, a physical card, or a public fee schedule may prefer a more card-focused product.
How to Sign Up for UR
- Open the UR web app or install the iOS or Android app.
- Create an account and complete identity verification.
- Review the live fee schedule and available services for the account's jurisdiction.
- Fund the account with a supported digital asset or bank transfer.
- Activate the virtual Mastercard and set any available card controls in the app.