SwissBorg Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get SwissBorg CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Card Overview
European-only Mastercard, with rewards plugged into the same Loyalty Rank system as the wider SwissBorg wealth platform. The headline number is up to 90% rebate of exchange-related fees in BORG, tied to Premium, Gold, Platinum, Diamond, and Genesis ranks. That's not a fixed percentage of spend like a typical cashback card. Real-world value depends on how much you trade on SwissBorg. A casual user with a small BORG position sees a low effective rate. The card spends from your SwissBorg app balance via Meta-Exchange. No on-chain top-up direct to the card. No personal IBAN. Settlement runs through the app account. ATM is capped at EUR 1,500/day. Both Apple Pay and Google Pay work. Custodial product, full KYC required from Level 1 onward. FX is 0% within the EU. Read the 90% number for what it is, a trading-fee rebate tied to the Loyalty Rank ladder, and the card becomes a clean spend rail for SwissBorg-native users with a meaningful BORG position.
SwissBorg Card is a Mastercard debit card from the Swiss-regulated crypto wealth management platform, offering up to 2% cashback and 0% FX fees within the EU. Spend 60+ cryptocurrencies at any Mastercard merchant with Apple Pay and Google Pay. Backed by Swiss regulatory standards and integrated with SwissBorg's earn products.
This is a Mastercard crypto card. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | 0% within EU |
| ATM Limit | Not applicable. Virtual-only card with no documented ATM access; cash advances are a restricted merchant category. |
| Spending Limit | Not disclosed |
These figures can change. Confirm the current fees, FX and network in SwissBorg’s official terms before you apply.
Features
- Card Type: Virtual only
- Top up with: Crypto from the SwissBorg wallet: BTC, ETH, SOL, BORG, USDC, USDG, EUROP (plus EURC, VEUR, VCHF, VGBP). Fiat balances cannot fund the card.
- Available Countries: Austria, Belgium, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
Banking & Fiat Rails
None on card; SwissBorg app uses SEPA/Faster Payments for fiat in/out, no personal IBAN on card
Who issues the SwissBorg Card
The SwissBorg Card is issued by Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania). The issuer is named verbatim in the card documentation. EEA via UAB Monavate (Bank of Lithuania authorisation LB002139901097); wallet provided separately by BlockNodes SAS.
Primary source · All cards issued by Monavate Limited + UAB Monavate · Why the issuer matters
Supported Cryptocurrencies
You can load the SwissBorg Card with crypto; the 4 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: No direct on-chain top-up; spends from SwissBorg app balance (BORG, BTC, ETH, SOL, USDC, EUROP, etc.) via Meta-Exchange
Who Is the SwissBorg Card Best For?
The SwissBorg Card is a good fit for holders who want their balance to keep earning while it sits on the card.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Europe, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
- Budget-minded users (no issuance or annual fee)
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You need traditional bank integration (IBAN, SEPA, direct debits)
Compare the SwissBorg Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- 0% FX markup in the EU; Swiss-regulated platform; SEPA support; fee rebate in BORG scales with loyalty rank
- No card issuance fee
- No annual maintenance fee
- Works wherever Mastercard is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
Cons
- Europe only; virtual only and no Apple Pay, so iPhone users cannot tap in store; 0.99% conversion fee on every purchase; rebate requires BORG loyalty rank; fully custodial
- Does not offer cashback or rewards
- Only available in certain regions
- Full KYC required, no anonymous tier
- No IBAN or bank account, prepaid only
How to Get the SwissBorg Card
Here is what the sign-up process looks like, from application to first purchase.
Create a SwissBorg account
A few minutesGo to the SwissBorg website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerSwissBorg runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with Crypto from the SwissBorg wallet: BTC, ETH, SOL, BORG, USDC, USDG, EUROP (plus EURC, VEUR, VCHF, VGBP). Fiat balances cannot fund the card. through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual SwissBorg Card shows up in the SwissBorg app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The SwissBorg Card covers the EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Common questions about the SwissBorg Card
What are the fees for the SwissBorg Card?
Where is the SwissBorg Card available?
What cryptocurrencies does the SwissBorg Card support?
What are the SwissBorg Card's ATM and spending limits?
Similar Cards Worth Comparing
