The Swissquote Debit Mastercard earns 0-0.5% gold (Elite) cashback on a Mastercard debit card with a CHF 0-39/mo fee, available in Switzerland/Europe/UAE/South Africa.
Swissquote is a Swiss online bank and broker, Swissquote Bank SA, which issues its own Debit Mastercard. Clients can set Bitcoin, Ethereum or XRP held in their Swissquote account as the card's means of payment, and only the tokens needed are sold at each payment.
The Swissquote Debit Mastercard is a crypto debit card offered by Swissquote Bank SA, available in Switzerland/Europe/UAE/South Africa. It offers 0-0.5% gold (Elite) cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at CHF 0-39/mo.
Best suited for Bitcoin holders who want to stack sats on everyday spending. 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.
Swissquote Debit Mastercard is offered in 15 countries according to the provider's published list.
| Tier | Rate | Requirement |
|---|---|---|
| Light | 0% | Free virtual card. Earns Swissquote Trading Credit (0.25% on regular payments, 0.5% on crypto payments), which only offsets Swissquote online trading fees and is not cash |
| Bright | 0% | CHF 6.90/month, first 6 months free. Earns Trading Credit of 0.5% on regular payments and 1% on crypto payments, usable only against Swissquote trading fees |
| Elite | 0.5% | CHF 39/month and at least CHF 100,000 in assets at subscription. 0.5% cashback in gold, up to CHF 25 a month (cap converted at about USD 1.2 per CHF), plus Trading Credit of 0.5% or 1% |
On $500/mo spend, the estimated monthly cost breakdown for Swissquote Debit Mastercard is: gas $0.00, conversion spread $7.50, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). Swissquote Debit Mastercard 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: Bank-issued Debit Mastercard on a Swissquote account. Crypto payments: Bitcoin, Ethereum or XRP can be chosen as the means of payment in the app, and "when you pay with your card, we will only sell the tokens needed"; available on all packages. FEES (swissquote.com debit-cards pricing page, read 2026-10-08): Light free; Bright CHF 6.90 a month (first 6 months free); Elite CHF 39 a month for clients with CHF 100,000 or more in assets. Transaction fees free. FX on the main currencies 0.95% on Light and Bright, Elite free up to CHF 5,000 a month then 0.25%; other currencies Mastercard rate + 1.5%. ATM: Light CHF 1.90 in Switzerland and CHF 4.90 abroad; Bright 5 free a month in Switzerland, CHF 4.90 abroad; Elite 5 free in each, then CHF 1.90 or 4.90. Replacement CHF 5 (Bright) or CHF 50 (Elite). The account carries a custody fee from CHF 20 a quarter, and crypto counts toward it. Trading Credit is recorded as 0% because it only pays Swissquote trading fees. Apple Pay, Google Pay and Samsung Pay supported. KYC: full bank account opening. VERIFICATION GAP: the cost of the crypto sale made at payment is not published (Swissquote's crypto trading fees start at 1%, but no page says they apply to card payments).
Other crypto cards in the same region or category that may suit your spending profile:
The Swissquote Debit Mastercard is a crypto debit card offered by Swissquote Bank SA. It is available in Switzerland/Europe/UAE/South Africa and allows users to spend cryptocurrency at merchants worldwide.
The Swissquote Debit Mastercard offers 0-0.5% gold (Elite) cashback. There are 3 tiers: Light (0%), Bright (0%), Elite (0.5%).
The Swissquote Debit Mastercard has an annual fee of CHF 0-39/mo. Additional fees: Conversion fee: Crypto sale cost at payment not published; FX fee: 0.95% on main currencies (Elite free to CHF 5,000/mo, then 0.25%); others Mastercard rate + 1.5%; ATM: CHF 1.90 (Switzerland) or CHF 4.90 (abroad); free allowances on Bright and Elite.
Yes. The Swissquote Debit Mastercard requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Swissquote Debit Mastercard is available in Austria, Belgium, Cyprus, France, Germany, Greece, Italy, Liechtenstein, Malta, Monaco, South Africa, Spain, Switzerland, United Arab Emirates, United Kingdom, according to the provider's published list.
The Swissquote Debit Mastercard is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Swissquote Debit Mastercard supports Apple Pay and Google Pay and Samsung Pay for contactless payments.
The Swissquote Debit Mastercard is issued by Swissquote Bank SA.
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