Name: Swissquote Debit Mastercard Crypto Card
Brand: Swissquote Debit Mastercard
Availability: InStock

Take it?Costs Asks for Limits Where it works Flaws How we checked Alternatives

Ledger

Swissquote Debit Mastercard

MastercardVirtual and plasticSince 2023

Asks for everythingOperational

A debit Mastercard from a FINMA-supervised Swiss bank that settles purchases directly out of your BTC, ETH or XRP at the moment you pay — the only card here whose issuer is a listed bank rather than a fintech, and the only one that charges you custody for holding the crypto that funds it.

Total, per $100 spent: not published

The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.

Open swissquote.comNot a paid link: we earn nothing either way.

Whether to take Swissquote Debit Mastercard

Worth it if counterparty risk is what you actually care about: this is a FINMA-supervised bank with a listed parent, and no fintech in this catalogue comes close on that axis. Not worth it as a cheap crypto card. The Swiss entity publishes no price for the crypto conversion that is the whole point of the product, reserves the right to pick the rate, charges quarterly custody on the coins that fund it, whitelists only six venues for deposits, and caps the free tier at CHF 10,000 a month.

In its favour

The issuer is a licensed Swiss bank supervised by FINMA, whose parent is listed on the SIX Swiss Exchange — the strongest counterparty of any card in this catalogue
The entry tier is genuinely free: no issuance fee and no monthly fee on Light
Crypto payments settle out of your BTC, ETH or XRP position at the moment of the transaction, rather than requiring a pre-load
A real bank account with an IBAN in a long list of currencies sits behind the card

Against it

You cannot price a crypto payment before you make it. The general terms let Swissquote apply an exchange rate it deems appropriate, and weekend conversions use a provisional rate corrected afterwards with no stated bound
The crypto feature overrides your cash: with it enabled, the bank may sell your coins even when you hold enough of the settlement currency
You cannot deposit crypto from just anywhere. Only six venues are whitelisted for incoming transfers — Bitpanda, Bitstamp, Coinbase, Gemini, Kraken and Revolut — or a wallet whose key you control
Sending crypto out to an exchange is not supported and can destroy it, per the bank's own FAQ

Also true, in its favour

The fee schedule is a published pricing table plus a general-terms PDF, both dated and both complete enough to argue with
Currency conversion is a stated 1.5%, and the Elite tier converts up to CHF 5,000 a month free
Apple Pay and Google Pay, plastic as well as virtual, and real ATM access with published caps

What Swissquote Debit Mastercard costs

Charge	What it costs
To get the card
To issue the card	$0.00
Monthly	$0.00
To put money in
To load	0%
To spend it
Per payment, fixed	$0.00
To spend outside the dollar	1.5%
At a cash machine	Light, the free virtual tier: CHF 1.90 per withdrawal in Switzerland and CHF 4.90 abroad. Bright: five free withdrawals a month in Switzerland. Cash is capped at CHF 1,000 a day and CHF 5,000 a month on the free tier
Total, per $100 spent	Not published

Not published by the issuer: to spend.

Read off swissquote.com on September 12, 2026.

Three tiers. Light is free, virtual only, and caps card spending at CHF 10,000 a month with CHF 5,000 a month at cash machines; it charges CHF 1.90 per withdrawal in Switzerland and CHF 4.90 abroad, and 0.95% to convert into any supported currency. Bright is CHF 6.90 a month after six free months and brings plastic plus five free Swiss withdrawals a month; replacement plastic is CHF 5, or CHF 50 on Elite. Currency conversion is 1.5%, with Elite converting up to CHF 5,000 a month free — a benefit that is capped and suspended at weekends. The crypto leg is where the real uncertainty sits: the Swiss entity publishes no crypto-payment fee at all, and the general terms let the bank apply an exchange rate it deems appropriate, with weekend transactions settled provisionally and corrected later. Holding the crypto is not free either — custody is billed quarterly — and withdrawing it costs USD 10 or USD 15 depending on the chain.

KYC: what Swissquote Debit Mastercard asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards

An email19 cards

A light check — a name and a phone, unverified9 cards

A document102 cards

Everything — document, face, address113 cards

Limits on spending

Monthly spend$10,000

Cash, per day$1,000

Not published by the issuer: daily spend, per payment, maximum balance.

Confirmed on swissquote.com on September 12, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay

Accepted whereOnline, in person, cash machines

Account detailsIts own account details

Coins in3BTC, ETH, XRP

Chains3Bitcoin, Ethereum, XRP Ledger

TiersLight, Bright, Elite

Issued only to residents of 15 countries — the issuer runs an allowlist, so everywhere else is closed.

Austria
Belgium
Cyprus
France
Germany
Greece
Italy
Liechtenstein
Malta
Monaco
South Africa
Spain
Switzerland
United Arab Emirates
United Kingdom

The other flaws

Holding crypto here costs money: custody fees are charged quarterly, which no prepaid crypto card does
The free tier is virtual only. Plastic means Bright at CHF 6.90 a month after six free months, and card replacement is CHF 5 on Bright or CHF 50 on Elite
The free tier's caps are low for daily banking: CHF 10,000 a month of card spend and CHF 5,000 a month at cash machines
The entry tier charges 0.95% to convert into any of the thirteen supported currencies, so "free card" does not mean free multi-currency
Moving crypto back out costs USD 10 per withdrawal on native chains and USD 15 for Ethereum-network tokens
Fifteen countries only, and the bank's own pages disagree about whether Greece is one of them
A sister product from Swissquote Bank Europe in Luxembourg shares the name and has a different fee schedule — including a published crypto-payment fee table that Switzerland does not publish at all
Full bank onboarding: identity documents, address and source-of-wealth questions, not an app signup

How we checked this

Thirteen fields are tracked for every service. 11 of them carry a figure we read off swissquote.com on September 12, 2026.

Issuer's page: Loading charge · Currency conversionSeptember 12, 2026 · Per-payment charge · IssuanceSeptember 12, 2026 · MonthlySeptember 12, 2026 · Cash machine chargeSeptember 12, 2026 · Spending limitsSeptember 12, 2026 · Apple Pay and Google Pay
Sign-up flow: Identity levelSeptember 12, 2026
Live check: Operating statusSeptember 12, 2026
Terms: Countries closedSeptember 12, 2026
The issuer does not publish: Cost per $100 · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open swissquote.comNot a paid link: we earn nothing either way.

Alternatives to Swissquote Debit Mastercard

Its issuer publishes nothing to compare on price.

BingX CardBingX CardMastercardVirtual and plasticAsks for everythingOperationalPublishes 1 of five fee fields — not enough to price.AG7 Septnot published

This one we could price: $6.00 per $100 spent.

BlackcatcardBlackcatcardMastercardVirtual and plasticAsks for everythingOperational3% when you load, plus $3.00 fixed. 1 fee field is not published.AG7 Sept$6.00per $100 spent

This one we could price: $3.99 per $100 spent.

CoinJar CardCoinJar CardMastercardVirtual and plasticAsks for everythingOperationalFree to load. 2.99% outside the dollar, plus $1.00 fixed.AG21 Jul$3.99per $100 spent