Swissquote 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
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Card Overview
This is a Swiss bank account that happens to spend crypto, not a crypto card with banking bolted on. Swissquote, FINMA-regulated, provides multi-currency IBANs in about 29 currencies with SEPA and SWIFT, funds the Mastercard from your trading account, and converts BTC, ETH and 30+ cryptos on the way out at 0.95% FX on the main tiers. The "cashback" carries an asterisk: 0.25% to 1% arrives as Swissquote trading credits usable inside the platform, not cash in hand. Virtual Light is free; physical Bright costs CHF 6.90 a month after six free months; Elite wants a CHF 100,000 account balance. The safest custodian in this catalogue for European users, with the least crypto-native reward structure.
Swissquote Card is a Mastercard debit card from Switzerland's leading online bank (FINMA-regulated), offering up to 1% cashback with zero issuance or annual fees. Spend fiat and crypto from your Swissquote account at any Mastercard merchant with Apple Pay and Google Pay. Full SWIFT and SEPA banking integration.
This is a Mastercard crypto card. It offers cashback rewards. Available in Europe.
Fees & Limits
| Issuance Fee | Free for virtual (Light); physical card has no issuance fee but CHF 6.90/month maintenance from month 7 onwards |
|---|---|
| Annual Fee | Light: Free (virtual only); Bright: CHF 6.90/month (first 6 months free); Elite: CHF 39/month (requires CHF 100K account balance) |
| FX Fee | 0.95% (Light/Bright tiers) |
| ATM Limit | CHF 1,000/day |
| Spending Limit | Not disclosed |
These figures can change. Confirm the current fees, FX and network in Swissquote’s official terms before you apply.
Features
- Welcome Bonus: Up to EUR 1,000 bonus
- Card Type: Virtual + Physical
- Top up with: Bank transfer, crypto from Swissquote account (BTC, ETH, and 30+ cryptos)
- Available Countries: Switzerland, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Banking & Fiat Rails
IBAN yes (multi-currency, ~29 currencies); SEPA yes; SWIFT yes (full Swiss bank account)
Supported Cryptocurrencies
You can load the Swissquote Card with crypto; the 2 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: No direct blockchain top-up; buy BTC/ETH/XRP in Swissquote account then spend via card
Who Is the Swissquote Card Best For?
The Swissquote Card is a good fit for holders who want their balance to keep earning while it sits on the card.
The Swissquote Card pays 0.25% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in Europe, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 0.25% cashback
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
Avoid if
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Swissquote Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Swiss-regulated bank (FINMA); up to 1% cashback; free issuance and annual; SWIFT/SEPA support
- Works wherever Mastercard is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
- Welcome bonus: Up to EUR 1,000 bonus
Cons
- 1.5% FX fee; physical card only; limited crypto-specific card features; trading credits for referrals not usable on crypto
- Card issuance fee: Free for virtual (Light); physical card has no issuance fee but CHF 6.90/month maintenance from month 7 onwards
- Annual fee: Light: Free (virtual only); Bright: CHF 6.90/month (first 6 months free); Elite: CHF 39/month (requires CHF 100K account balance)
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Swissquote Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Swissquote account
A few minutesGo to the Swissquote website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerSwissquote 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 Bank transfer, crypto from Swissquote account (BTC, ETH, and 30+ cryptos) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Swissquote Card shows up in the Swissquote 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 Swissquote 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 Swissquote Card
What are the fees for the Swissquote Card?
How does the Swissquote Card cashback work?
Where is the Swissquote Card available?
What cryptocurrencies does the Swissquote Card support?
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