SwissBorg Card

The SwissBorg Crypto Debit Card is a virtual Mastercard debit card that lets eligible SwissBorg users pay with supported cryptocurrencies. At checkout, SwissBorg converts the selected crypto into the fiat currency required by the merchant and deducts the amount from the user's crypto balance.

The card is currently virtual-first. It can be used online and, on Android, through Google Pay for contactless purchases. SwissBorg currently does not support Apple Pay for the card.

The product is designed for people who already use SwissBorg for crypto rather than as a separate bank-card balance. Fiat wallets cannot currently be selected as the card's funding source.

You choose a supported cryptocurrency as the card's primary funding asset in the SwissBorg app. When you make a purchase, SwissBorg sells only the amount of crypto needed to cover the transaction and the merchant receives normal fiat through Mastercard.

You can also configure supported backup cryptocurrencies. If the primary asset does not have enough value, SwissBorg can automatically use the backup balances to complete the payment.

This removes the need to manually sell crypto before every purchase, but each card payment still creates a crypto-to-fiat exchange. That conversion is important for both fees and potential tax treatment.

SwissBorg currently supports BTC, ETH, SOL, BORG, USDC, USDG and EUROP for card spending. You select one supported asset as the primary card currency and can configure other supported assets as backups.

The card does not currently spend directly from SwissBorg fiat wallets. If you hold euros, pounds or Swiss francs in the app, those balances are not the funding source for this crypto card under the current product rules.

SwissBorg may add more crypto assets over time, so the list shown inside the Crypto Card section should be treated as the final current source.

SwissBorg currently applies its standard 0.99% exchange fee when a card purchase converts crypto into fiat. The effective cost can be lower for users with a higher Loyalty Rank because SwissBorg returns part of the exchange fee as BORG cashback.

SwissBorg says it does not add an additional foreign-exchange fee of its own when the merchant currency differs from the card's base currency, although Mastercard's currency conversion can still affect the final amount.

There is currently no fee to request the virtual card. If a merchant refunds a purchase, the refund is returned in fiat and the original crypto conversion fee is not refunded.

Yes, but it is important to understand what SwissBorg means by cashback. The card does not currently promise a simple fixed percentage of the purchase amount back on every transaction. Instead, card spending triggers the normal 0.99% crypto exchange fee, and SwissBorg can return up to 90% of that fee in BORG depending on your Loyalty Rank.

Higher Loyalty Ranks are obtained by locking BORG and provide greater fee cashback. At the highest ranks, the effective conversion cost can therefore be much lower than 0.99%.

For comparison with other cards, treat this as cashback on the exchange fee rather than a 90% purchase cashback rate.

SwissBorg Loyalty Ranks are account tiers reached by locking BORG tokens. They replaced the older Premium and Borger Journey structures and determine how much BORG cashback a user receives from eligible exchange fees.

The standard exchange fee is 0.99% for everyone, including crypto conversions triggered by card spending. Depending on rank, SwissBorg returns a portion of that fee in BORG, with the highest rank receiving up to 90% cashback on the exchange fee.

Loyalty Ranks also affect other SwissBorg features such as Earn boosts and trading rewards. Users should compare the value of these benefits with the amount of BORG they need to lock rather than treating the higher card rebate as free.

No. The SwissBorg Card spends from crypto held within the SwissBorg app, where SwissBorg provides the custody and account infrastructure. Users do not control the private keys to the card's funding balances in the same way they would with a standalone self-custodial wallet.

At the moment of purchase, SwissBorg sells the selected crypto and settles the transaction through Mastercard. That is a different model from cards that connect directly to a user's own on-chain wallet.

If private-key control is a priority, this custody distinction matters as much as fees or rewards. SwissBorg is designed for convenience inside its own crypto wealth platform rather than for keeping the card balance fully self-custodial.

SwissBorg currently requires cardholders to live in the EEA, Switzerland or the United Kingdom and to have a fully active SwissBorg account at Account Level 2. Level 2 includes verified identity and address information.

The current supported-country list covers the UK, Switzerland and most EEA countries, including France, Germany, Spain, Italy, Portugal, the Netherlands and the Nordic markets listed by SwissBorg. The account must also be free from restrictions and contain funds.

SwissBorg's wider app may be available in additional places, but that does not mean the card is available there. If a user moves outside the supported regions, the card can be cancelled.

Yes. SwissBorg requires Account Level 2 before a user can request the card. That means both photo identification and residential address must be verified, and the account must not be under a pending compliance review or other restriction.

The KYC requirement applies because the card uses regulated payment infrastructure and converts crypto into fiat for Mastercard transactions. It is separate from simply creating a crypto wallet or viewing assets in the app.

If the Crypto Card option is missing, SwissBorg recommends checking the verification level, residence and account status before contacting support.

Google Pay is officially supported. SwissBorg provides a dedicated in-app flow for adding the virtual Crypto Debit Card to Google Pay so Android users can make contactless purchases at physical merchants.

Apple Pay is not currently supported. SwissBorg's February 2026 troubleshooting guidance explicitly says the card cannot yet be added to Apple Pay and that users will be notified if this changes.

This distinction is important because the SwissBorg Card is currently virtual. Android users can use Google Pay for in-person payments, while iPhone users should not assume the card will work in Apple Wallet simply because it uses Mastercard.

Not under the currently documented first-stage programme. SwissBorg describes the Crypto Debit Card as a virtual Mastercard and says it becomes available digitally within seconds after a successful request.

The virtual card can be used directly for online purchases and through Google Pay on supported Android devices. SwissBorg's current Help Centre does not publish a generally available physical-card ordering process for this product.

Because card programmes can evolve, check the Crypto Card section in the app for any newer physical-card rollout. For now, the FAQ should not present a physical SwissBorg card as a standard available feature.

Yes. SwissBorg says the card can be used internationally wherever Mastercard debit cards are accepted, subject to merchant-category restrictions, local rules and card controls.

The selected crypto is converted into the transaction's fiat currency at payment. SwissBorg does not currently add a separate FX fee of its own, but Mastercard's conversion rate can apply when the merchant currency differs from the card's base currency.

Using the card abroad can therefore be convenient, but it is not the same as guaranteed fee-free FX in every circumstance. Merchants can also apply dynamic currency conversion, which should be reviewed carefully before accepting.

SwissBorg lets users set a primary crypto asset and one or more backup cryptocurrencies. If the primary balance cannot fully cover a purchase, the card can automatically use eligible backup balances to help complete the transaction.

In some cases, SwissBorg says the primary crypto balance may temporarily become negative. This can freeze the card and restrict some account functions until the user restores the balance. If the negative amount is not corrected, SwissBorg can deduct value from other assets in the account.

This makes backup-asset configuration useful, but users should still keep enough value available before large or recurring payments.

A merchant refund is returned in fiat rather than recreating the cryptocurrency that was sold for the original purchase. The exchange fee charged when SwissBorg converted the crypto at authorisation is not refunded.

That means a refund can leave you with a different economic result from simply reversing the original crypto transaction. If the crypto price rises after the purchase, the fiat refund will not automatically buy back the same amount of crypto.

This is especially relevant for volatile assets and high-value purchases that are likely to be returned. Users should treat the original crypto sale as a real conversion even if the merchant later refunds the card transaction.

Open the SwissBorg app and make sure your account is at Level 2, has no restrictions and is registered in a supported country. From Portfolio, tap Crypto Card, accept the terms and choose the crypto asset you want as the default funding source. SwissBorg says the virtual card can become available within seconds and currently charges no fee to request it.

For card, transaction or account problems, use SwissBorg's in-app chat, the official Help Centre at https://help.swissborg.com, or support@swissborg.com. The Help Centre includes troubleshooting for declines, Google Pay, 3D Secure, compromised card details and disputes.

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