Swissquote Debit Mastercard review
Swiss bank debit Mastercard that can pay directly from your BTC, ETH or XRP
Summary
Swissquote, a FINMA-regulated Swiss bank and broker, lets holders of its debit Mastercard choose crypto as the payment source; the bank sells just the amount needed at checkout. Three packages are offered, from a free virtual card to a metal Elite card, each tied to a multi-currency account with an IBAN.
At a glance
Fees and limits by tier
| Light | Bright | Elite | |
|---|---|---|---|
| Card issue fee | Free1 | Free1 | Free1 |
| Monthly fee | Free1 | CHF 6.901 | CHF 391 |
| Foreign currency fee | 0.95%1 | 0.95%1 | Not available |
| ATM fee | CHF 4.901 | CHF 4.901 | CHF 4.901 |
| Cashback | 0.5%1 | 1%1 | 1%1 |
| Monthly limit | CHF 10,0001 | CHF 25,0001 | CHF 50,0001 |
| ATM per month | CHF 5,0001 | CHF 10,0001 | CHF 10,0001 |
Amounts are shown in the currency the issuer publishes them in. We don't convert them.
Light
- Free virtual Debit Mastercard
- Crypto payments from BTC, ETH or XRP holdings
- Trading Credit: 0.25% on regular payments, 0.5% on crypto payments
- ATM: CHF 1.90 per withdrawal in Switzerland, CHF 4.90 abroad
- SEPA transfers cost EUR 2
Bright
- Physical plus virtual Debit Mastercard; first 6 months free
- Crypto payments from BTC, ETH or XRP holdings
- Trading Credit: 0.5% on regular payments, 1% on crypto payments
- 5 free ATM withdrawals per month in Switzerland; CHF 4.90 abroad
- Free SEPA transfers, TWINT and eBill
Elite
- 17-gram metal card; requires at least CHF 100,000 in assets at subscription
- Trading Credit: 0.5% on regular payments, 1% on crypto payments, plus 0.5% cashback in gold (max CHF 25/month)
- Free currency conversion up to CHF 5,000 per month, then 0.25%
- 5 free ATM withdrawals per month in Switzerland and abroad
- Travel insurance, Priority Pass lounges (3 free visits), concierge and VIP events
What works
- Issued by a regulated Swiss bank with a full multi-currency IBAN account
- Crypto payments work on every package, including the free virtual card
- Trading Credit rewards that are higher for crypto-funded payments
- Apple Pay, Google Pay and Samsung Pay support
What to watch
- Only a few cryptocurrencies can be used for payments
- Paid packages carry monthly fees, and Elite needs significant assets
- Physical cards limited to residents of a short country list
- Rewards are trading credit that expires, not cash
Where it works
Show the country list
Austria, Belgium, Cyprus, France, Germany, Greece, Italy, Liechtenstein, Malta, Monaco, South Africa, Spain, Switzerland, United Arab Emirates, United Kingdom
Country guides for this card
United Arab Emirates
Germany
United Kingdom
France
Spain
Italy
Austria
Belgium
Cyprus
Greece
Liechtenstein
Malta
Monaco
South Africa
SwitzerlandQuestions people ask
How do crypto payments work with the Swissquote card?
In the Swissquote app you select cryptocurrency as the payment source for your debit card; when you pay, Swissquote sells only the tokens needed for that purchase.
Which cryptocurrencies are supported?
Swissquote currently lists Bitcoin, Ethereum and XRP for card payments, on any package.
Who can get a physical card?
Swissquote lists residents of Switzerland, Liechtenstein, several EU countries, the UK, Monaco, the UAE and South Africa as eligible for the physical Bright and Elite cards.
How would you rate Swissquote Debit Mastercard?
Used this card? Tap the stars. One rating per person, no account needed.
/5 · 0 ratings
Sources
The numbers on this page come from these official pages. The small numbered marks next to each fact point here.
- swissquote.com/en-ch/private/bank/pricing/debit-cards — Card comparison: package prices, conversion fees (0.95% on 13 main currencies, Mastercard +1.5% others), Trading Credit rates, monthly payment/ATM limits, ATM fees, digital wallets (checked 2026-11-01)
- swissquote.com/en-ch/private/help/bank/debit-cards — Help FAQ: physical-card countries list; crypto payments with BTC, ETH, XRP on any package; only tokens needed are sold; gold cashback max CHF 25/month (checked 2026-11-01)
- swissquote.com/en-ch/private/bank/products/bright-card — Bright card page: crypto payments converted for everyday payments; multi-currency; digital wallets (checked 2026-11-01)
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