SwissBorg Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
Get SwissBorg CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | 0% when the purchase is in the card's base currency (EUR, CHF or GBP)The fine print
|
| ATM limit | Not applicable. Virtual-only card with no documented ATM access; cash advances are a restricted merchant category. |
| Spending limit | Not disclosed |
Fees change; the current ones are in SwissBorg’s terms.
Features
- Cashback: Up to 99% fee rebate (BORG)
The fine print
- Up to 99% of exchange-related fees rebated in BORG via Dynamic Elite Ranks (99% needs a Top-10 Loyalty Score; 95% Top 100, 92% Top 500; standard Elite tiers up to 90%)
- Not a fixed % of spend like a typical cashback card
- Real-world value depends on how much you trade on SwissBorg
- KYC: Yes
- 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…
Full list
… Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
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 in the source linked below. EEA via UAB Monavate, whose Bank of Lithuania authorisation code the card terms print as "LB002139901097". The wallet is 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.
Pros and cons
Pros
- 0% FX in the card's base currency (EUR, CHF or GBP); Swiss-regulated platform; SEPA support; fee rebate in BORG scales with loyalty rank
- No card issuance fee
- No annual maintenance fee
Cons
- Europe only
The fine print
- Virtual only, and Apple Pay works only in Switzerland and France so far
- 0.99% conversion fee on every purchase
- Rebate requires BORG loyalty rank
- Fully custodial
- No IBAN or bank-account features
Regional availability
Available across the EEA
The SwissBorg Card covers the EU member states plus Iceland, Liechtenstein and Norway.
Key supported countries:
Banking and fiat rails
Card overview
SwissBorg's card is a virtual Mastercard for Europe (a physical card has been announced, not shipped), and its reward is a rebate rather than cashback. You get back up to 99% of the exchange fees you pay SwissBorg, in BORG: 99% needs a Top-10 Loyalty Score, 95% the top 100 and 92% the top 500, while the standard Elite tiers stop at 90%. None of it is a percentage of what you spend with the card, so the value depends on how much you trade on SwissBorg, and a casual user with a small BORG position gets very little.
The card spends crypto from the SwissBorg wallet through Meta-Exchange: BTC, ETH, SOL, BORG, USDC and a few stablecoins. Fiat balances cannot fund it, there is no on-chain top-up straight to the card, and it has no IBAN of its own. Every purchase pays SwissBorg's crypto-to-fiat execution fee. Spending in the card's base currency (EUR, CHF or GBP) carries no FX fee; in any other currency "foreign exchange fees may apply", at a rate SwissBorg does not publish.
There is no ATM access. Google Pay works, and Apple Pay so far only in Switzerland and France, for account level 2. Custodial, with full KYC. Read the 99% for what it is, a trading-fee rebate on the Loyalty ladder, and the card becomes a clean spend rail for SwissBorg-native users with a meaningful BORG position.
Common questions about the SwissBorg Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
