ForexQ.com
ForexQ.com
E-money institution · Switzerland
According to its official website, Fiat24 is a brand of SR Saphirstein AG (SR Saphirstein Ltd) in Zurich; the website says the company holds a FinTech licence under Article 1b of the Swiss Federal Banking Act, is supervised by FINMA, and is audited financially and for regulatory purposes by Grant Thornton Switzerland. Fiat24 presents itself as a Banking DApp offering Swiss financial services with Web3 technologies: an NFT held in the user's crypto wallet serves as the account number, and a matching Swiss IBAN (CHF and EUR) is issued. Services include a Mastercard debit card, crypto top-ups, currency exchange, peer-to-peer transfers, a capital payment account and pluggable payment infrastructure for Web3 projects; the F24 token is a reward point used to upgrade account levels. Individual accounts come in Standard, Premium and Ultimate levels; since 5 June 2026 new individual clients have a monthly transaction limit of USD 30,000. As of 25 Oct 2026 the official website says it is in maintenance mode and not accepting new applications. The Swiss entity SR Saphirstein AG is listed in FINMA's list of FinTech licence holders. This information is the company's own statement.
User reports found online are classified by topic. The reports are compiled from records on Trustpilot, WikiFX, Şikayetvar and FastBull, and one person's records count once.
7 COMPLAINTS · Period reviewed: April 2024 – November 2026
66% of institutions with complaint records received more complaints than this one. 57% of complaints concern withdrawals and payments.
| TOPIC | COMPLAINTS | SHARE | LEVEL WITHIN SECTOR |
|---|---|---|---|
| Withdrawals and payments | 4 | 57% | Medium |
| Account blocks and freezes | 1 | 14% | Low |
| Loans and credit cards | 1 | 14% | High |
| Customer support | 1 | 14% | Very low |
The level is calculated by comparison with institutions in the same sector. Sources: Trustpilot · Şikayetvar · WikiFX · FastBull
The complaint distribution is based on the 1-star reviews on Fiat24's Trustpilot page (7) as of 25 October 2026; one person's reviews count once, and records about fake sites and third parties using the Fiat24 name are left out. Across the complaints, card holds that were never released and balances held without explanation, transfers that never reached the recipient and unresponsive customer support stand out.
Because Fiat24’s complaint level is Low, no comparison list is shown. Below are institutions operating in the same service area whose licences are verified.
The list is generated automatically; it is not a recommendation and there is no paid placement.
According to the data, Fiat24 has 1 verified licence (FINMA); 7 user reports have been reviewed. This page does not express an opinion; licence records come from official registers and reports from sourced records.
Licences verified in official registers: FINMA (Switzerland).
7 user reports about Fiat24 were classified in the period April 2024 – November 2026. Most frequent topic: Withdrawals and payments (4). Sources: Trustpilot, Şikayetvar, WikiFX, FastBull.
Use the "File a Complaint" button on this page to open the form; the institution is preselected. Describe the issue, the date and attach any supporting documents. The complaint is reviewed by our team, published if eligible and forwarded to the institution; with the tracking link you receive, you can follow the process and the institution’s reply.
Licence records are checked against official registers (last verification 25.10.2026). Complaint records are re-scanned every month on Trustpilot, Şikayetvar, WikiFX, FastBull. The institution’s details were last checked on 25.10.2026.
