The SwissBorg Card earns Up to 90-99% fees in BORG cashback on a Mastercard debit card with no annual fee, available in 30 countries (EEA/Switzerland).
SwissBorg is a digital-asset wealth management platform founded in 2016 by Cyrus Fazel and Anthony Lesoismier, headquartered in Lausanne, Switzerland. In March 2026 the company secured MiCA authorisation as a Crypto-Asset Service Provider from France's Autorité des Marchés Financiers, allowing it to passport regulated services across the European Union.
The SwissBorg Card is a crypto debit card offered by SwissBorg, available in 30 countries (EEA/Switzerland). It offers Up to 90-99% fees in BORG cashback across 7 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for reward-focused spenders willing to optimize for cashback. It runs on the Mastercard network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Europe guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0.05% | No BORG locked (5% of 0.99% fee) |
| Bronze | 0.15% | 1,000 BORG locked (15% of 0.99% fee) |
| Silver | 0.3% | 3,000 BORG locked (30% of 0.99% fee) |
| Gold | 0.5% | 10,000 BORG locked (50% of 0.99% fee) |
| Platinum | 0.64% | 30,000 BORG locked (65% of 0.99% fee) |
| Diamond | 0.79% | 60,000 BORG locked (80% of 0.99% fee) |
| Elite | 0.98% | 100,000 BORG locked (90-99% of 0.99% fee) |
The unique per-user IBAN (user as beneficiary) is a virtual IBAN over an account legally held by SwissBorg, on the platform fiat wallet; the card itself can only be funded from crypto. Deposits and withdrawals are own-name only. The Bank of Lithuania fined card issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for SwissBorg Card is: gas $0.00, conversion spread $4.95, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1% of spend. After $0.00/mo cashback that is still a net cost of about $4.95/mo ($59.40/yr). SwissBorg Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: LAUNCHED Feb 25, 2026. Virtual Mastercard via Monavate. Real-time crypto-to-fiat via Meta-Exchange (30+ CEXs/DEXs). 0.99% exchange fee on spending, offset by BORG cashback (5-99% of fee returned based on loyalty rank). 800K+ users. Physical card coming later. The Bank of Lithuania fined issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
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The SwissBorg Card is a crypto debit card offered by SwissBorg. It is available in 30 countries (EEA/Switzerland) and allows users to spend cryptocurrency at merchants worldwide.
The SwissBorg Card offers Up to 90-99% fees in BORG cashback. There are 7 tiers: Standard (0.05%), Bronze (0.15%), Silver (0.3%), Gold (0.5%), Platinum (0.64%), Diamond (0.79%), Elite (0.98%).
The SwissBorg Card has an annual fee of $0. Additional fees: Conversion fee: 0.99% (offset by BORG cashback).
Yes. The SwissBorg Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The SwissBorg Card is available in 30 countries (EEA/Switzerland).
The SwissBorg Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the SwissBorg Card supports Apple Pay and Google Pay for contactless payments.
The SwissBorg Card is issued by UAB Monavate. Licences: EMI (Bank of Lithuania, EEA).
Yes, the SwissBorg platform provides a personal IBAN in the user's name. Capabilities: receiving third-party transfers: no; sending transfers to third parties: no; transfer limits: Cumulative by KYC level: Level 1 EUR 5,000 in/out; Level 2 EUR 50,000 in, EUR 1,000,000 out; Level 3 unlimited. The unique per-user IBAN (user as beneficiary) is a virtual IBAN over an account legally held by SwissBorg, on the platform fiat wallet; the card itself can only be funded from crypto. Deposits and withdrawals are own-name only. The Bank of Lithuania fined card issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25.
Fiat balances sit in a SwissBorg fiat wallet legally held in the company's name with an unnamed regulated fiat custodian; the account is not a bank, deposit, or custody account.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.