Open your card, tap Top Up, choose an asset and an amount and confirm. USDC on Ethereum goes straight to the card with no top-up fee. Other assets are converted to USDC first. A top-up usually takes about 2 minutes.
On this page
You load the THORWallet Card from the same seed wallet that holds the card. The card balance is in US dollars and is funded with USDC.
Before you start
- You have an active THORWallet Card.
- The asset you want to use is in your seed wallet.
- You hold a small amount of the network's own coin for the network fee, for example ETH for a top-up with USDC on Ethereum.
Steps
- Open the Cards tab and select your card.
- Tap Top Up.
- Tap the asset to open Pay with, and choose the asset you want to use. USDC on Ethereum carries the label No top-up fee.
- Enter the amount. For a converted asset the form shows Card receives, Estimated time, Rate and the fee.
- Tap Next.
- Check the details on the Confirm Top Up sheet and confirm.
- The app shows Topping up your card with the steps "Sent from wallet", "Converting to USDC" and "Credited to THORCard". When it shows "Top-up sent", tap View card.
In the web app: connect the same wallet, open Card, confirm in your wallet and tap Top up. You can close the window while the top-up runs.
Which assets work
| Asset | What happens | Top-up fee |
|---|---|---|
| USDC on Ethereum | Goes straight to your card | None. You pay the network fee |
| Any other asset on a supported network, including USDC on other networks | Converted to USDC through NEAR Intents and delivered to your card | Shown in the form before you confirm, plus the network fee |
Supported networks in the mobile app: Ethereum, Base, Arbitrum, BNB Chain, Avalanche, Bitcoin, Solana, Dogecoin, XRP, Sui, Stellar, Litecoin, Bitcoin Cash, TRON, NEAR, Zcash and Dash. The web app supports the same list without XRP, Sui, Stellar, NEAR and Zcash.
If the list is empty, the app shows "No eligible assets. Receive BTC, ETH, SOL or USDC to top up your card."
How long it takes
A top-up usually takes about 2 minutes. After "Top-up sent", the card balance updates within a few minutes. A converted top-up also waits for the confirmations of the network you send from, so Bitcoin takes longer than Solana or Base. Pull down on the card screen to refresh the balance.
If something goes wrong
The card balance has not changed
Wait a few minutes and refresh the card screen. Tap View on explorer on the top-up screen to check that the transfer left your wallet. Do not send the same top-up a second time while the first one is still running.
The top-up came back to my wallet
If the conversion cannot complete, the asset you sent is returned to your wallet. Start a new top-up, or choose another asset.
"Minimum for this asset is ..."
The amount is below the minimum for a converted asset. Enter a higher amount or use USDC on Ethereum.
"This asset can't be used for top-up right now"
No route is available for this asset at the moment. Choose another asset.
"Your quote expired"
A quote is valid for a short time. Go back and start again.
Not enough for the network fee
Add a small amount of the network's coin to your wallet, for example ETH on Ethereum, and try again.
If a top-up is still missing after that, contact support in the chat inside the app. Support will never ask for your recovery phrase.
Related
- Card fees and limits
- Card troubleshooting
- Manage your THORWallet Card
- How to receive crypto
- Background: How crypto cards work
Common questions
Which assets can I top up with?
USDC on Ethereum goes straight to the card. Assets on 17 networks, including Bitcoin, Ethereum, Solana, Base, Arbitrum and TRON, are converted to USDC and then credited.
How long does a top-up take?
Usually about 2 minutes. The card balance updates a few minutes after the transfer. Slower networks such as Bitcoin can take longer, and the form shows an estimated time.
Why do I pay a network fee when the top-up fee is 0%?
The 0% means THORWallet takes no top-up fee on USDC. The blockchain still charges its own network fee, paid in the coin of that network, for example ETH on Ethereum.
What happens if the conversion fails?
If the conversion cannot complete, the asset you sent is returned to your wallet.
Can I move the card balance back to my wallet?
The app has no option to send the card balance back to the wallet. Top up the amount you plan to spend.
Is there a minimum top-up?
Converted assets have a minimum per asset. The form shows it when your amount is too low.
Thank you.
Sorry about that. Chat with support inside the app, or write to info@thorwallet.org. Support will never ask for your recovery phrase.