Image: SwissBorg

SwissBorg Card review: fees, cashback and limits

Name: SwissBorg Card
Brand: SwissBorg

Spend any of 100+ assets in the SwissBorg app, with cashback in BORG.

By Taimoor, founder and editor Last checked 16 October 2026 2 sources

5.8out of 10

Quick answer

The SwissBorg Card is a Mastercard that spends any of the 100+ assets in your SwissBorg app. Most users get a virtual card for Apple Pay and Google Pay, with physical cards rolling out during 2026. SwissBorg's Smart Engine trading fee applies when assets are converted, and BORG stakers can get up to 99% of that fee back. Cashback is paid in BORG based on your loyalty rank.

SwissBorg Card at a glance

Best for	European SwissBorg users, especially BORG holders.
Skip it if	You need a physical card right now or clear ATM terms.
Network	Mastercard
Card issuer	Not named
Custody	Custodial (SwissBorg app)
Card type	Debit
Virtual or physical	Virtual for most users. Physical cards rolling out in 2026.
Cashback	Cashback in BORG by loyalty rank
Annual fee	Not published
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	Europe, including Switzerland.

SwissBorg Card fees

Card cost	Virtual free for most users. A physical card fee of about CHF 15 has been reported.
Annual or membership fee	Not published
FX and cross-border	SwissBorg advertises no hidden spreads on currency conversion
Crypto conversion	Smart Engine trading fee, with up to 99% back for BORG stakers
ATM withdrawals	Not clear. Sources disagree on whether ATM withdrawals are available yet.

Mastercard applies its own exchange rate on top of any card markup. Check the fee page in the SwissBorg Card app for your country before you load money. To see what SwissBorg Card would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with SwissBorg Card

Not publishedPaid from stablecoins in the card's own currency

Not publishedPaid from stablecoins in a foreign currency

Not publishedPaid from other crypto, like BTC or ETH

$0Cashback on $100, Standard tier

These are SwissBorg Card's own fees on the Standard tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 0% is lower than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 37 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #22 of 36 in Europe (EEA)

Cashback and rewards

Cashback in BORG on valid purchases, based on your SwissBorg loyalty rank
BORG stakers can get up to 99% of the trading fee back

Deposits and withdrawals

How to top up

Spend any of 100+ assets held in SwissBorg
Deposit by bank transfer or crypto

Fees: No top-up step. Trading fee applies on conversion.

How to withdraw

Withdraw crypto or fiat from SwissBorg

Fees: SwissBorg's normal withdrawal fees apply.

Supported assets: 100+ assets in the SwissBorg app.

Where SwissBorg Card works

Europe, including Switzerland.

Check the SwissBorg app for your country.

Europe (EEA)

Limits and perks

Limits

€10,000 per transaction, €50,000 a month, €600,000 a year

Perks

Trading fee rebates for BORG stakers

Pros and cons

What's good

Spend from 100+ assets
Apple Pay and Google Pay
Rebates for BORG stakers

What's not

Mostly virtual for now
ATM availability unclear
Rewards depend on BORG
Custodial

Our take on SwissBorg Card

SwissBorg's card connects to its investing app, so you can pay with any of more than 100 assets. Most users get a virtual Mastercard for Apple Pay or Google Pay, and physical cards are rolling out in phases.

Conversions run through SwissBorg's Smart Engine, which charges a trading fee. BORG stakers can get up to 99% of that fee back, and cashback is paid in BORG by loyalty rank. Sources still disagree on ATM access, so don't count on cash withdrawals yet.

A natural fit for SwissBorg and BORG holders. Others will find simpler, cheaper cards.

How we scored SwissBorg Card: 5.8/10

Methodology

Fees 30%

6 Trading fee on conversion, rebated for stakers.

Rewards 20%

5 BORG cashback by rank.

Control 20%

5 Custodial, some terms unclear.

Reach 15%

5 Europe and Switzerland.

Flexibility 15%

8 100+ spendable assets.

SwissBorg Card FAQ

How much does the SwissBorg Card cost?

Virtual free for most users. A physical card fee of about CHF 15 has been reported. Annual or membership fee: Not published.

Does SwissBorg Card have cashback?

Cashback in BORG by loyalty rank. Cashback in BORG on valid purchases, based on your SwissBorg loyalty rank.

What are the SwissBorg Card FX and ATM fees?

FX: SwissBorg advertises no hidden spreads on currency conversion. ATM: Not clear. Sources disagree on whether ATM withdrawals are available yet.

Where is SwissBorg Card available?

Europe, including Switzerland. Check the SwissBorg app for your country.

Is SwissBorg Card self-custody?

Custodial (SwissBorg app).

Sources

CoinGecko: Top crypto cards in SwitzerlandSwissBorg card details, Sep 23, 2026
Crypto Briefing: SwissBorg integrates Apple PayApple Pay in Europe

We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.