Swissquote Card Review 2026

Name: Swissquote Card
Brand: Mastercard
Availability: InStock

Reviewed by Mihail B. in October 2026 · Data verified October 14, 2026 · how we verify

4.0 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

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CustodyCustodial

NetworkMastercard Debit

CashbackUp to 1%

RegionsEurope + Africa

Fees and limits

Issuance fee	Free for the virtual Light card The fine print The physical card comes with the Bright (CHF 6.90 a month, first 6 months free) or Elite (CHF 39 a month) package Replacement CHF 5 on Bright, CHF 50 on Elite
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% on the 13 main currencies on Light and Bright The fine print Mastercard rate plus 1.5% on all other currencies on every package Elite pays nothing on the 13 main currencies up to CHF 5,000 a month, then 0.25%
ATM limit	Daily CHF/EUR/USD 1,000 on Light, 2,000 on Bright, 5,000 on Elite The fine print Monthly 5,000 on Light and 10,000 on Bright and Elite Fees: Light CHF 1.90 per withdrawal in Switzerland and CHF 4.90 abroad Bright 5 free a month in Switzerland, CHF 4.90 abroad Elite 5 free a month at home and abroad, then CHF 1.90 in Switzerland and CHF 4.90 abroad
Spending limit	No daily figure published; monthly payment limit CHF/EUR/USD 10,000 on Light, 25,000 on Bright, 50,000 on Elite

Fees change; the current ones are in Swissquote’s terms.

Features

Welcome bonus: Up to EUR 1,000 bonus
Cashback: Up to 1%
The fine print
- Trading credit on card payments: Light 0.25% (0.5% on crypto payments), Bright 0.5% (1% on crypto payments), Elite 0.5% (1% on crypto payments) plus 0.5% converted into gold, capped at CHF 25 of gold a month
- Elite requires CHF 100,000 in assets
- Trading credit only reduces trading costs, cannot be cashed out or used for crypto trading or currency exchange, and is valid for up to three months
KYC: Yes
Card type: Virtual + Physical
Top up with: Spends the Swissquote account balance in 29 currencies, funded by bank transfer; crypto payments from Bitcoin, Ethereum or XRP held at Swissquote
Available countries: Physical Bright and Elite cards: Switzerland, Liechtenstein, Italy, Austria, France, Germany, United Kingdom, Cyprus…
Full list
- … Spain, Malta, Monaco, United Arab Emirates, South Africa, Greece, Belgium
- The Elite product page lists the same countries without Greece
- The virtual Light card has no published country list

Who issues the Swissquote Card

The Swissquote Card is issued by Swissquote Bank SA, Switzerland (FINMA bank licence) (Full banking licence). The issuer is named in the source linked below.

All cards issued by Swissquote Bank SA · Why the issuer matters

Supported cryptocurrencies

You can load the Swissquote Card with crypto; the 2 assets we track for it are listed below.

Networks & deposit details: No direct blockchain top-up; buy BTC/ETH/XRP in Swissquote account then spend via card

BTCBitcoinETHEthereum

Pros and cons

Pros

✓
Swiss bank account with one IBAN in 29 currencies
The fine print
- Free virtual Light card
- Card payments from Bitcoin, Ethereum or XRP
- Trading credit on every payment, up to 1% on crypto payments
- Apple Pay, Google Pay and Samsung Pay
Earn up to 1% cashback on eligible purchases
Welcome bonus: Up to EUR 1,000 bonus

Cons

✗
0.95% conversion fee on the 13 main currencies on Light and Bright, and Mastercard rate plus 1.5% on all other…
The fine print
- … currencies on every package
- The Bright physical card costs CHF 6.90 a month after 6 months
- Rewards are trading credit that cannot be cashed out or used for crypto and is valid for up to three months
- Only Bitcoin, Ethereum and XRP can pay
- The physical card is offered only to residents of the countries Swissquote names

Regional availability

Available in Europe + Africa

Europe, United Arab Emirates and South Africa for the physical card.

Card overview

This is a Swiss bank account that happens to spend crypto, not a crypto card with banking bolted on. Swissquote, a regulated, listed Swiss bank, provides multi-currency IBANs in about 29 currencies with SEPA and SWIFT, and funds the Mastercard from your account balance. Only Bitcoin, Ethereum or XRP can pay directly. Spending in one of the 13 main currencies costs 0.95% on Light and Bright, and every other currency costs the Mastercard rate plus 1.5% on every package.

The "cashback" carries an asterisk: 0.25% to 1% arrives as Swissquote trading credit that cannot be cashed out or used for crypto and is valid for up to three months, and Elite's extra 0.5% in gold is capped at CHF 25 a month. Virtual Light is free; physical Bright costs CHF 6.90 a month after six free months; the metal Elite card costs CHF 39 a month and wants CHF 100,000 in assets. Swissquote lists 15 countries, mostly in Europe plus the UAE and South Africa, whose residents can get the physical cards; the Elite page leaves out Greece.

Editor’s note by Mihail B. · Founder & Editor

Reviewed October 2026 Verified against issuer docs

Swissquote's card is a debit Mastercard with a crypto option that pays only from Bitcoin, Ethereum or XRP. The Elite tier is a 17-gram metal card at CHF 39 a month. Its 0.5% gold cashback, capped at CHF 25 of gold a month, and its free conversion into the 13 main currencies up to CHF 5,000 a month require CHF 100,000 in total assets at subscription. Every package pays the Mastercard rate plus 1.5% on other currencies.
Swissquote lists 15 countries whose residents can get the physical Bright or Elite card; the Elite page omits Greece. The free Light card is virtual only and charges 0.95% to convert into the main currencies. Card rewards are paid as trading credit, which only reduces trading costs, cannot be cashed out or used for crypto, and is valid for up to three months.

Common questions about the Swissquote 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.

What are the fees for the Swissquote Card?

The one charge on the Swissquote Card is its FX fee: 0.95% on the 13 main currencies on Light and Bright. No issuance fee (for the virtual Light card) and no annual fee (Light, virtual only).

Is the Swissquote Card legit, and who is behind it?

The issuer of record for the Swissquote Card is Swissquote Bank SA, Switzerland (FINMA bank licence).

Is the Swissquote Card worth it?

What the Swissquote Card offers is its up to 1% cashback rewards. Against it: 0.95% conversion fee on the 13 main currencies on Light and Bright.

How does the Swissquote Card cashback work?

Trading credit on card payments: Light 0.25% (0.5% on crypto payments), Bright 0.5% (1% on crypto payments), Elite 0.5% (1% on crypto payments) plus 0.5% converted into gold, capped at CHF 25 of gold a month. Elite requires CHF 100,000 in assets. Trading credit only reduces trading costs, cannot be cashed out or used for crypto trading or currency exchange, and is valid for up to three months.