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Swissquote Card

Updated: Sep 29, 2026

Swissquote Card is a multi-currency Debit Mastercard range provided by licensed Swiss bank Swissquote Bank Ltd and linked to the Swissquote Global Account, investment accounts and crypto asset accounts. Users can spend ordinary fiat balances or enable Crypto Payments in the App, allowing Swissquote to automatically sell the required amount of BTC, ETH or XRP when a payment is made. The current range includes the free virtual-only Light, virtual and physical Bright, and premium metal Elite card tiers.
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Card network
Product type
Crypto debit card
Card form
Virtual card / Virtual + physical card / Metal card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
BTCETHXRP
Last updated
Sep 29, 2026

Official and company information

Issuer identity and company credentials

Swissquote is a licensed digital bank headquartered in Gland, Switzerland. It offers securities, funds, forex, CFDs, digital asset trading, bank accounts, payments, savings, mortgages, and asset management for private, corporate, and institutional clients. Its Swiss banking products include the Swissquote Debit Mastercard in Light, Bright, and Elite tiers, supporting multi-currency accounts, mobile wallets, and spending crypto assets from the account after conversion.
Company / issuer
Swissquote
Legal name
Swissquote Bank Ltd
Registered region
Switzerland (CH)
Headquarters
Gland, Vaud, Switzerland
Company type
Bank
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Swissquote Card is a multi-currency Debit Mastercard range offered by the licensed Swiss bank Swissquote Bank Ltd and connected to the Swissquote Global Account, investment accounts, and crypto asset accounts. Users can spend from regular fiat balances or enable Crypto Payments in the App, allowing Swissquote to automatically sell the required amount of BTC, ETH, or XRP at the time of payment. Three card tiers are currently available: the free virtual-only Light, the virtual and physical Bright, and the premium metal Elite.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Swissquote Virtual Debit Mastercard®
Swissquote Bright Debit Mastercard®
Swissquote Elite Debit Mastercard®
Card formVirtual cardVirtual + physical cardMetal card
Fees
Monthly fee
Free
Light plan free forever
6.9 CHF
Free for the first six months
39 CHF
Premium banking plan fee
Card issuance fee
Free
Free card issuance
Free
Card included in plan
Free
Included in plan
ATM fee—
Free
First 5 withdrawals per month free in Switzerland, 4.90 CHF abroad
Free
First 5 withdrawals per month free, both domestic and international
Foreign exchange fee
0.95%
Varies by supported currency: 0.95% for some, 1.5% for others
0.95%
0.95% or 1.5% depending on currency
0%
0%–0.25% or +1.5%, depending on currency and amount
Top-up fee
Free
Free for bank transfer deposits
Free
Free for bank transfer deposits
Free
Free for bank transfer deposits
Failed transaction fee———
Rewards
Cashback
0.25%
0.25% Trading Credit on regular payments, 0.5% Trading Credit on crypto payments
0.5%
0.5% Trading Credit cashback on regular payments
1%
Up to 1% Trading Credit + 0.5% gold, including crypto payment rewards
Crypto cashback—
1%
1% Trading Credit cashback on crypto payments
—
Staking rewards———
Staking APR———
Welcome bonus———
Referral bonus———
Limits
Daily spending limit———
Monthly spending limit
10,000 CHF
Monthly card payment limit, supports CHF/EUR/USD
25,000 CHF
Monthly card payment limit, equivalent in EUR/USD
50,000 CHF
Monthly card payment limit, equivalent in EUR/USD
ATM withdrawal limit——
5,000 CHF
Daily 5,000, monthly 10,000, equivalent in EUR/USD
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

15
FranceFRBelgiumBESwitzerlandCHMonacoMCUnited KingdomGBLiechtensteinLIGermanyDESpainESGreeceGRMaltaMTItalyITSouth AfricaZAUnited Arab EmiratesAEAustriaATCyprusCY
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

8
CanadaCASingaporeSGTaiwanTWUnited StatesUSMacaoMOJapanJPChinaCNHong KongHK
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States:Cannot apply,Can use,Swissquote does not open accounts for U.S. persons, so U.S. residents cannot obtain the card, while a card issued to an eligible customer elsewhere can be used in the United States.
2. United Kingdom:Can apply,Can use,UK residents are explicitly included among Swissquote’s eligible card countries and can obtain the card after opening the required Swissquote account and completing verification.
3. Canada:Cannot apply,Can use,Canada is not included in Swissquote’s published card-issuance countries and no current Canadian card-issuance route is provided, while an eligible card issued elsewhere can be used in Canada.
4. Australia:Cannot apply,Can use,Australia is not included in Swissquote’s published card-issuance countries, although cards issued to eligible customers in supported markets can be used in Australia.
5. South Africa:Can apply,Can use,South Africa is explicitly included among Swissquote’s eligible physical-card countries and residents can obtain the card after completing the required account and identity verification.
6. New Zealand:Cannot apply,Can use,New Zealand is outside Swissquote’s published card-issuance countries, while a card already issued to an eligible customer can be used there.
7. Ireland:Can apply,Can use,Irish residents can access the Swissquote Bank Europe account and its debit card after providing the required identity and residence documentation.

Updated: Sep 13, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / ID card

Review time / regional limits

Digital account opening can be completed quickly; complex non-resident documents and manual compliance review may take several business days.

KYC provider

Swissquote Bank Ltd

Updated

Aug 18, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 18, 2026

Wallet payments

Alipay

Supported

Aug 18, 2026

Wallet payments

Apple Pay

Supported

Aug 18, 2026

Cash services

ATM withdrawal

Supported

Aug 18, 2026

AI tools

ChatGPT

Supported

Aug 18, 2026

AI tools

Claude

Supported

Aug 18, 2026

Wallet payments

Google Pay

Supported

Aug 18, 2026

AI tools

Midjourney

Supported

Aug 18, 2026

In-person payments

Offline POS

Supported

Aug 18, 2026

Online shopping

Online shopping

Supported

Aug 18, 2026

Wallet payments

PayPal

Supported

Aug 18, 2026

Subscriptions

Subscription payment

Supported

Aug 18, 2026

Wallet payments

WeChat Pay

Supported

Aug 18, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
Mohammed Ibrahimtrustpilot★ 4 / 5

* Easy to use.

* Easy to use. * You can generate money and more.
View original
Michel Sablertrustpilot★ 1 / 5

Geld beim einen Konto abgebucht und nie am Ziel angekommen

Ich habe am 6. Oktober 500.-- vom Trading auf das Fx-Account überwiesen. Der Betrag wurde sofort bei Trading-Account abgebucht, aber kam nicht auf dem Fx_Account (Trading Plattform) an. Nach dem 5. Anruf innert 1 Woche ist das Problem noch immer nicht gelöst. Der Kundendienst versprach jeweils, dass sich innert 1 Stunde nochmal jemand melden würde, was aber nie passierte. Das Geld ist (Stand 12.10.2026) noch immer nicht auf meinem Fx_Konto angekommen. Liegt im Nirwana bei Swissquote, ist also bis auf weiteres verschwunden....
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Andretrustpilot★ 5 / 5

Challenging page navigation

I am not yet well adjusted to your page logic, so I am quite often lost not finding the icon that provides me with the steps I want to execute. Your AI assistant is very helpful to me.
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Sergio Aguiartrustpilot★ 5 / 5
Top App 🦾🦾🦾🦾🦾
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Pal Anderssentrustpilot★ 4 / 5

Did Yuh belong to SwissQuote?

Did Yuh belong to SwissQuote? If so, please let me know where we stand with respect to Yuh today? And what can I expect will be my next Yuh experience? I thank you in advance for any info on this matter. - Pal -
View original
Ernsttrustpilot★ 3 / 5

Leider nein, bevorzuge Saxo

Account erstellen, Einzahlung waren gut geführt. Der erste Handel leider schon etwas schwierig. Auf dem Windows PC im Browser wurde der Auftrag nicht angenommen, ohne Rückmeldung einfach keine Reaktion. Hat dann auf der App am Smartphone funktioniert. Ganz schlecht wurde meine Meldung zum Ticker VGLA auf Xetra beantwortet. Obwohl durch Finma freigegeben, konnte ich den nicht handeln, da angeblich für Schweizer Investoren nicht freigegeben. Support Antwort dauerte lange und war unbefriedigend. Habe dann einen Account auf Saxo erstellt, Geld überwiesen und VGLA dort gekauft. Aktuell vergleiche ich die beiden Plattformen und Saxo ist bis jetzt definitiv informativer, einfacher und up to date. Daher werde ich wohl Swissquote wieder schliessen und mit Saxo traden. Ist auch noch günstiger.
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P. Im.trustpilot★ 1 / 5

Wäre ich doch schon früher weg!

Ich wünschte mir ich wäre schon früher von Swissquote weggegangen. Bin heute bei IBRK. Keine Depotgebühren massiv tiefere Tradingkosten und der Support ist auch noch besser. Ich konnte bei Swissquote Geld beim zweitenmal nicht an einen Kryptobroker überweisen. Beim erstenmal hat es noch funktioniert. Nach mehrmaligem Anrufen und E-Mails schreiben bekam ich immer eine andere Antwort was der Grund dafür wieso es nicht geht. Einmal war es ein interner Fehler und ich soll es nochmal probieren und trotzdem ging es nicht. Es wurde sogar ein Ticket erstellt an die zuständige Abteilung von denen ich nach 4 Monaten immer noch keine Antwort habe. Nach 5 Überweisungsversuchen diversen Telefonaten und Tickets sowie der ausbleibender Rückmeldung der betroffenen Abteilung habe ich einen anderen Umweg gefunden wie ich das Geld von Swissquote weg transferieren konnte. Erkenntnisse die ich bekommen habe, diejenigen die das Telefon abnehmen habe keine Ahnung und mit den Stellen im Hintergrund wo es abgeklärt wird noch weniger. Das man nicht mal eine vernünftige Auskunft bekommt wieso eine Überweisung nicht funktioniert ist oberschwach. Der Umweg hat mich übrigens zusätzlich CHF 200.- gekostet. Swissquote kann mit ihren Gebühren nur Kunden abzocken. Dienstleistung und Support ist Durchfall. Das es billiger und besser geht bei andern Brokern ist Tatsache!
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Laurent C.trustpilot★ 5 / 5

Réponses claires et précises du CHAT…

Réponses claires et précises du CHAT pour mes questions sur un des produits d'investissement.
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Peter Kovalenkotrustpilot★ 3 / 5

Dürftige App und langsamer Support

Kosten nicht besonders günstig für den Grad des Supports, speziell Im Banking. Sprich ewig langsam, zb dauert interner Titelübertrag zw zwei meinen Depots Monate !! bis alles korrekt ist. schwache App, unvollständig, Funktionalität gegenüber Desktop Version fehlt, kaum Auswertungmöglichkeiten. Seit Jahren wird ein besseres Release versprochen. Gut sind die Jungs am Telefon im Börsenhandel.
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Hze LSD-trustpilot★ 1 / 5

Langjähriger Kunde bei der Swissquote aber niemals wieder

Langjähriger Kunde bei der Swissquote. Aber: Hohe Gebühren bei Kauf/Verkauf von Positionen, schlechter Support, x-Dokumente auszufüllen wenn man etwas ändert möchte, Kontoschliessung dauerte ganze 3 Wochen!! Sogar noch mehr Gebühren dazugekommen, da die Kontoschliessung ins neue Quartal gereicht hat.
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Risk factors

Updated: Aug 18, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Swissquote Card require KYC?

Our record lists the Swissquote Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Swissquote Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Swissquote Card with?

Our record lists Swissquote Card support for: BTC, ETH, and XRP.

Is Swissquote Card a virtual or a physical card?

Swissquote Card is offered as: Virtual card, Virtual + physical card, and Metal card.

Where is Swissquote Card available?

Our record lists 15 countries or regions as available and 8 as restricted. Country-by-country status is in the regions section of this page.

Who issues Swissquote Card?

Swissquote Card is operated by Swissquote on the Mastercard network.