SwissBorg Crypto Debit Card

SwissBorg · Mastercard · debit · Self-custody

25 countriesVerified 6 Sep 2026

At $1,000/month spend with no stake, SwissBorg Crypto Debit Card nets −$24 a year; with $19 in BORG locked, −$13 a year. According to Cardefi data, 12 of 14 key figures are verified from the issuer's pages, latest 6 Sep 2026.

Open at SwissBorgdirect — pays us nothing

Cashback at your stake: 0.1%
Min. stake for rewards: None
Annual fee: $0
FX fee: 0.0%
Net value / yr: −$24
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Standard	Standard	0.1%	−$24
$19 Bronze	Bronze	0.2%	−$13
$1,856 Elite	Elite	0.9%	−$16

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	0.1% × $12,000	+$6
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	0.0% + 1.0% × $3,000	−$30
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		−$24

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	€0 / year 2 sources “Yes, fees apply to real-time crypto-to-fiat conversions.”[1] · help_center · captured 6 Sep 2026 “There are no service or annual fees, but real-time crypto-to-fiat conversions are subject to fees.”[2] · landing · captured 6 Sep 2026
Monthly fee	€0 / month 1 source “There are no service or annual fees, but real-time crypto-to-fiat conversions are subject to fees.”[2] · landing · captured 6 Sep 2026
Card issuance	€0 1 source “No fees are charged for ordering a SwissBorg Card.”[1] · help_center · captured 6 Sep 2026
Foreign transaction (FX)	0.0%Mastercard rate; SwissBorg adds no FX fee 1 source “Foreign transaction fees may apply (see Mastercard Currency Converter). SwissBorg won't charge additional FX fees.”[1] · help_center · captured 6 Sep 2026
Crypto conversion / spread	1.0%Standard exchange fee on every payment; partly rebated in BORG by loyalty rank 1 source “As such, the standard exchange fees apply: 0.99%.”[5] · help_center · captured 6 Sep 2026
ATM withdrawal	n/aVirtual card only

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Standard	0.1% · None · Cap: not disclosed · Paid in BORG 2 sources “Everyone using the SwissBorg Crypto Debit Card is entitled to a Cashback on the exchange fees, up to 90% depending on your Loyalty Rank.”[5] · help_center · captured 6 Sep 2026 “Up to 5%”[6] · fees_page · captured 6 Sep 2026
Bronze	0.2% · 100 BORG, 14-day lock (≈ $19 at 6 Sep 2026) · Cap: not disclosed · Paid in BORG 1 source “Up to 15%”[6] · fees_page · captured 6 Sep 2026
Silver	0.3% · 300 BORG, 14-day lock (≈ $56 at 6 Sep 2026) · Cap: not disclosed · Paid in BORG 1 source “Up to 30%”[6] · fees_page · captured 6 Sep 2026
Gold	0.5% · 1,000 BORG, 14-day lock (≈ $186 at 6 Sep 2026) · Cap: not disclosed · Paid in BORG 1 source “Up to 50%”[6] · fees_page · captured 6 Sep 2026
Platinum	0.6% · 3,000 BORG, 14-day lock (≈ $557 at 6 Sep 2026) · Cap: not disclosed · Paid in BORG 1 source “Up to 65%”[6] · fees_page · captured 6 Sep 2026
Diamond	0.8% · 6,000 BORG, 14-day lock (≈ $1,114 at 6 Sep 2026) · Cap: not disclosed · Paid in BORG 1 source “Up to 80%”[6] · fees_page · captured 6 Sep 2026
Elite	0.9% · 10,000 BORG, 14-day lock (≈ $1,856 at 6 Sep 2026) · Cap: not disclosed · Paid in BORG 1 source “* Up to 99% for Top 10 Elite, 95% for Top 100, 92% for Top 500 and 90% for Standard Elite.”[6] · fees_page · captured 6 Sep 2026

Limits

Spend per month

— not disclosedDaily, monthly and annual limits exist in the card rulebook (section 2.5) and count against account withdrawal limits

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Spend per month. Daily, monthly and annual limits exist in the card rulebook (section 2.5) and count against account withdrawal limits

Sources

6 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

help.swissborg.com/hc/en-gb/articles/42850564502545-SwissBorg-Crypto-Debit-Card-FAQs · help_center · 6 Sep 2026
swissborg.com/crypto-debit-card · landing · 6 Sep 2026
help.swissborg.com/hc/en-gb/articles/42754478191889-Introducing-SwissBorg-s-Crypto-Debit-Card · help_center · 6 Sep 2026
www.lb.lt/en/sfi-financial-market-participants/uab-monavate · legal · 6 Sep 2026
help.swissborg.com/hc/en-gb/articles/44091965312145-SwissBorg-Crypto-Debit-Card-Fees · help_center · 6 Sep 2026
swissborg.com/ranks-crypto-cashback · fees_page · 6 Sep 2026

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Access & funding

Regions: 25 countries
KYC: full
Top-up: Crypto balance in the SwissBorg app
Fiat: EUR, CHF, GBP
Assets: BTC, ETH, SOL, BORG, USDC, USDG, EUROP
Form: virtual
Wallets: Apple Pay, Google Pay

Risks to know

Stake value can drop. Tiers are set in BORG; the USD figures here are as of 6 Sep 2026.
Self-custody. You hold the keys; losing them loses the balance.

Who is behind the card

Brand / programme: SwissBorg (SBorg SA / BlockNodes)
Infrastructure: — not disclosed
Issuer of record: UAB Monavate (LT)
Licence: Bank of Lithuania · LB002139
Network: Mastercard
Custody: Self-custody · none

2 sources

“The SwissBorg Crypto Debit Card is issued by Monavate. UAB Monavate is a company incorporated under the laws of Lithuania and authorised by the Bank of Lithuania to issue electronic money and provide payment services.”[3] · help_center · captured 6 Sep 2026

“Electronic money institution licence”[4] · legal · captured 6 Sep 2026

Status

Now: Live

“In just a few seconds, you'll have your virtual card ready to start using for payments.”help.swissborg.com · captured 6 Sep 2026

Where you can get it

EEA, UK and Switzerland: 25 countries: GB, CH, AT, BE, CY, CZ, DK, EE, FI, FR, DE, GR, IS, IE, IT, LV, LI, LT, LU, MT, NL, NO, PL, PT, RO

2 sources

“United Kingdom, Switzerland, Austria, Belgium, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania”help.swissborg.com · help_center · captured 6 Sep 2026

“Including the EEA, the United Kingdom, and Switzerland.”swissborg.com · landing · captured 6 Sep 2026

Availability and terms by country ↓

Trust

Verified: 6 Sep 2026
Coverage: 12 of 14 key figures verified, 1 not disclosed
Confidence: A official source plus an independent one
Disclosure: help center
Source: swissborg.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 25 countries are listed as available in total.

Country	Status	Issuer / licence
United Kingdom	Availablechecked 6 Sep 2026	UAB Monavate
Germany	Availablechecked 6 Sep 2026	UAB Monavate
Ireland	Availablechecked 6 Sep 2026	UAB Monavate
Netherlands	Availablechecked 6 Sep 2026	UAB Monavate
Portugal	Availablechecked 6 Sep 2026	UAB Monavate
Poland	Availablechecked 6 Sep 2026	UAB Monavate
Greece	Availablechecked 6 Sep 2026	UAB Monavate
Czechia	Availablechecked 6 Sep 2026	UAB Monavate
Austria	Availablechecked 6 Sep 2026	UAB Monavate
Switzerland	Availablechecked 6 Sep 2026	UAB Monavate
Belgium	Availablechecked 6 Sep 2026	UAB Monavate
Cyprus	Availablechecked 6 Sep 2026	UAB Monavate
Latvia	Availablechecked 6 Sep 2026	UAB Monavate
Estonia	Availablechecked 6 Sep 2026	UAB Monavate
Liechtenstein	Availablechecked 6 Sep 2026	UAB Monavate
Norway	Availablechecked 6 Sep 2026	UAB Monavate
Iceland	Availablechecked 6 Sep 2026	UAB Monavate

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does SwissBorg Crypto Debit Card charge on foreign currency?: SwissBorg Crypto Debit Card adds 0.0% on transactions in a currency other than the account currency.
Does SwissBorg Crypto Debit Card charge an annual fee?: The annual fee for SwissBorg Crypto Debit Card is $0.
How much cashback does SwissBorg Crypto Debit Card pay?: SwissBorg Crypto Debit Card pays up to 0.9%, which is the highest rate any of its tiers reaches.
Does SwissBorg Crypto Debit Card require a stake?: The lowest tier of SwissBorg Crypto Debit Card that requires a stake is Bronze, at $19, and it pays 0.2%.
Does SwissBorg Crypto Debit Card work with Apple Pay or Google Pay?: SwissBorg Crypto Debit Card works with Apple Pay and Google Pay.
Who holds the funds behind SwissBorg Crypto Debit Card?: You do. SwissBorg Crypto Debit Card pulls funds from your own wallet when a transaction is authorised, so the balance stays in your custody until you spend it.
Does SwissBorg Crypto Debit Card require identity verification?: Yes. SwissBorg Crypto Debit Card requires full identity verification before the card can be used.