Individual Account
Please note that, due to maintenance works, we are currently not accepting any new Individual Clients.
Fiat24 is your all-in-one solution for seamless daily payments and spending.
Eligibility
Individuals
live in the eligible countries
have a biometric identity (Passport or ID)
without the nationality in Iran, North Korea or Russia
not a US Person
more than 18 years old
not sanctioned by OFAC or EU
not a political exposed person (PEP)
has no account with Fiat24 before
Monthly Limit
Each individual account has a monthly transaction limit. If a user exceeds this limit within 30 days, they will not be able to perform any further transactions until the limit is reset.
The transaction limit varies depending on the length of the NFT.
Starting from June 5, 2026, due to an internal policy change, all new individual clients will be subject to a monthly transaction limit of USD 30,000.
At this time, we are not accepting any requests for limit upgrades. We appreciate your understanding and cooperation.
Some emerging countries have a limit of 1,000 CHF every 30 days.
Registration Steps
Individual clients can open account fully online.
Verify your biometric passport
You must have a Biometric ID or Passport (aka ePassport).
If you register in China Mainland, you could register with Chinese National ID
Upgrade Account
Users must upgrade their accounts in person, inside Fiat24 dApp.
Access your Profile
Go to https://id.fiat24.com module and connect your wallet, select Upgrade menu.
Choose a Premium NFT
Purchase your favourite NFT number with Ether or F24 token. Refer to Pricing page.
Close Account
Users must close their accounts in person, inside the Fiat24 dApp.
Access your Profile
Go to https://id.fiat24.com module and connect your wallet, select Profile menu.
Close your account
Click the button Close Account, after confirming with your digital signature, your account will be closed.
Once the account is closed, you will NOT be able to open any other Fiat24 account in the future.
Your KYC data will be kept for at least the minimum retention periods required by Swiss AML and Banking law, and any other rules and regulations applicable to us. These deadlines may also be extended by order of public or regulatory authorities or change in law. All other data not subject to the mandatory retention will be anonymised.
Forced Exit
If any of the following conditions are met, though not limited to these, we reserve the right to enforce a mandatory payout of the client's assets and close the account. We consider these conditions to be inconsistent with Fiat24's operational standards and risk preferences. All Fiat24 users, including premium users, must accept these terms.
Listed on the sanctions lists of OFAC, the European Union, Switzerland, or equivalent jurisdictions
PEP (Political exposed person) status
Clients previously identified as criminals or suspects in financial fraud cases by law enforcement authorities in Switzerland, the European Union, or other equivalent jurisdictions
Third-party bank transfers that are recalled due to fraud
Third-party bank transfers that are recalled by counterparty due to a reason other than fraud, involving an amount exceeding CHF 10'000 or EUR 10'000, or more than 3 times within a three-month period
Clients who exhibit extreme non-cooperation or wilful disregard in special reviews related to transactions or client profile EDD (Enhanced Due Diligence) requested by Fiat24 Compliance
Clients who maliciously misuse Fiat24 services, such as generating a large number of micro-transactions, abusing customer service, or verbally abusing our staff.
User Terms and Conditions are available here.
FAQ
Can I have a Account Statement?
No, Fiat24 does NOT offer (1) Account Statement or Monthly Statement, or (2) Tax document. If you have doubts about how to proceed with regard to your taxes, please contact a tax advisor.
My application has been rejected, why?
As a licensed financial institution, we accept our clients in very prudential way. If we believe your domicile, risk profile, or background doesn’t match our business focus, we may not accept the business relationship with you.
How long will it take to open an account?
Less than one business day. Please note that our working hours are aligned with Central European Time (CET).
Why is my GPS location collected during registration?
In order to fulfil the legal requirements of the Swiss Banking regulator FINMA, your GPS location needs to be captured during the account opening process.
Why is my tax information collected during registration?
In order to fulfil the legal and regulatory tax requirements, we collect your Taxpayer Identification Number (TIN), which is an identifying number used for tax reporting purposes.
Can I register twice and have two accounts?
No, each individual should have only one account in Fiat24. If you apply for a second time with a new NFT account number, your second registration will be rejected.
This applies even if the previous account has been closed, so you cannot open a new account even if you have closed the previous one.
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