Swissquote Debit Mastercard

Swissquote · Mastercard · debit · Self-custody

14 countriesVerified 6 Sep 2026

At $1,000/month spend with no stake, Swissquote Debit Mastercard nets +$32 a year. According to Cardefi data, 7 of 10 key figures are verified from the issuer's pages, latest 6 Sep 2026.

Open at Swissquotedirect — pays us nothing

Cashback at your stake: 0.5%
Min. stake for rewards: None
Annual fee: $0
FX fee: 1.0%
Net value / yr: +$32
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 Light	Light	0.5%	+$32

How this card scores

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

Cashback at your stake	0.5% × $12,000	+$60
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	1.0% × $3,000	−$29
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$32

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	CHF 0 / yearLight package; Bright CHF 6.90 per month, Elite CHF 39 per month 1 source “Yeap, you read that right. You pay nothing, but you get all the essential benefits.”[4] · landing · captured 6 Sep 2026
Monthly fee	CHF 0 / monthLight package 2 sources “The Swissquote Virtual Debit Mastercard® of the Light package is exclusively available in a digital format.”[1] · help_center · captured 6 Sep 2026 “CHF 6.90/month”[2] · fees_page · captured 6 Sep 2026
Card issuance	CHF 0Virtual card included; physical cards come with the paid packages 1 source “Your Light card is instantly available and ready to tag along wherever you decide to go.”[4] · landing · captured 6 Sep 2026
Foreign transaction (FX)	1.0%Conversion fee on 13 main currencies for Light and Bright; Elite free up to CHF 5,000 per month then 0.25%; other currencies Mastercard rate plus 1.5% on all packages 2 sources “*Conversion fees 0.95% on: CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD.”[5] · landing · captured 6 Sep 2026 “For all other currencies, a surcharge of 1.5% is added to the Mastercard rate from the first transaction.”[1] · help_center · captured 6 Sep 2026
Crypto conversion / spread	— not disclosedCrypto is sold at payment time at Swissquote's crypto trading conditions; the spread is not stated on the card pages 1 source “When you pay with your card, we will only sell the tokens needed to pay for your purchases.”[1] · help_center · captured 6 Sep 2026
ATM withdrawal	— not disclosed

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Light	0.5% · None · Cap: not disclosed · Paid in Trading Credit 2 sources “Trading Credit from crypto payments”[2] · fees_page · captured 6 Sep 2026 “0.25%”[2] · fees_page · captured 6 Sep 2026
Bright	1.0% · CHF 6.90 / month · Cap: not disclosed · Paid in Trading Credit 2 sources “The Swissquote Debit Mastercard® included in the Bright package is offered at CHF 6.90 per month, with the first six months free.”[1] · help_center · captured 6 Sep 2026 “1%”[2] · fees_page · captured 6 Sep 2026
Elite	1.0% · CHF 39 / month · Cap: not disclosed · Paid in Trading Credit, Gold (XAU) 2 sources “The Swissquote Elite Debit Mastercard® costs CHF 39 per month.”[1] · help_center · captured 6 Sep 2026 “For every purchase, you convert 0.5% of the amount into gold (XAU), up to a maximum of CHF 25 in gold per month.”[1] · help_center · captured 6 Sep 2026

Limits

Spend per month

— not disclosed

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.

Crypto conversion / spread. Crypto is sold at payment time at Swissquote's crypto trading conditions; the spread is not stated on the card pages
ATM withdrawal. Not disclosed.
Spend per month. Not disclosed.

Sources

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

www.swissquote.com/en-ch/private/help/bank/debit-cards · help_center · 6 Sep 2026
www.swissquote.com/en-ch/private/bank/pricing/debit-cards · fees_page · 6 Sep 2026
www.finma.ch/en/~/media/finma/dokumente/bewilligungstraeger/pdf/beh.pdf?la=en · legal · 6 Sep 2026
www.swissquote.com/en-ch/private/bank/products/light-card · landing · 6 Sep 2026
www.swissquote.com/en-ch/private/bank/products/bright-card · landing · 6 Sep 2026

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Access & funding

Regions: 14 countries
KYC: full
Top-up: Bank transfer, Salary, Crypto sold at payment
Fiat: CHF, EUR, USD, GBP
Assets: Fiat (multi-currency account), BTC, ETH, XRP
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Self-custody. You hold the keys; losing them loses the balance.

Who is behind the card

Brand / programme: Swissquote Bank Ltd
Infrastructure: — not disclosed
Issuer of record: Swissquote Bank Ltd (CH)
Licence: FINMA
Network: Mastercard
Custody: Self-custody

3 sources

“Swissquote Bank Ltd ("Swissquote") is a bank licensed in Switzerland under the supervision of the Swiss Financial Market Supervisory Authority (FINMA).”[1] · help_center · captured 6 Sep 2026

“Swissquote Debit Mastercard®”[2] · fees_page · captured 6 Sep 2026

“Swissquote Bank SA”[3] · legal · captured 6 Sep 2026

Status

Now: Live

“Trading Credit from crypto payments”swissquote.com · captured 6 Sep 2026

Where you can get it

Switzerland and eligible countries: 14 countries: CH, AT, BE, CY, FR, DE, IT, LI, MT, ES, GB, MC, AE, ZA

1 source

“*Eligible countries: Austria, Belgium, Cyprus, France, Germany, Italy, Liechtenstein, Malta, Spain, Switzerland, United Kingdom, Monaco, the United Arab Emirates, South Africa”swissquote.com · help_center · captured 6 Sep 2026

Availability and terms by country ↓

Trust

Verified: 6 Sep 2026
Coverage: 7 of 10 key figures verified, 3 not disclosed
Confidence: A official source plus an independent one
Disclosure: public page
Source: swissquote.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. 14 countries are listed as available in total.

Country	Status	Issuer / licence
United Kingdom	Availablechecked 6 Sep 2026	Swissquote Bank Ltd
Germany	Availablechecked 6 Sep 2026	Swissquote Bank Ltd
Spain	Availablechecked 6 Sep 2026	Swissquote Bank Ltd
Austria	Availablechecked 6 Sep 2026	Swissquote Bank Ltd
Switzerland	Availablechecked 6 Sep 2026	Swissquote Bank Ltd
Belgium	Availablechecked 6 Sep 2026	Swissquote Bank Ltd
Cyprus	Availablechecked 6 Sep 2026	Swissquote Bank Ltd
Liechtenstein	Availablechecked 6 Sep 2026	Swissquote Bank Ltd
United Arab Emirates	Availablechecked 6 Sep 2026	Swissquote Bank Ltd
South Africa	Availablechecked 6 Sep 2026	Swissquote Bank Ltd
Monaco	Availablechecked 6 Sep 2026	Swissquote Bank Ltd

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 Swissquote Debit Mastercard charge on foreign currency?: Swissquote Debit Mastercard adds 1.0% on transactions in a currency other than the account currency.
Does Swissquote Debit Mastercard charge an annual fee?: The annual fee for Swissquote Debit Mastercard is $0.
How much cashback does Swissquote Debit Mastercard pay?: Swissquote Debit Mastercard pays up to 0.5%, which is the highest rate any of its tiers reaches.
Does Swissquote Debit Mastercard work with Apple Pay or Google Pay?: Swissquote Debit Mastercard works with Apple Pay and Google Pay.
Who holds the funds behind Swissquote Debit Mastercard?: You do. Swissquote Debit Mastercard pulls funds from your own wallet when a transaction is authorised, so the balance stays in your custody until you spend it.
Does Swissquote Debit Mastercard require identity verification?: Yes. Swissquote Debit Mastercard requires full identity verification before the card can be used.