SwissBorg Card
SwissBorg
- Cashback
- BORG by loyalty rankin BORG
- Monthly fee
- $0 (no service or annual fees)
- FX / conversion
- SwissBorg won't charge additional FX fees; conversions use the Mastercard scheme rate (each currency conversion is subject to an exchange fee plus a possible real-time market-liquidity adjustment). General exchange fee is 0.99% across all loyalty ranks; crypto→fiat conversion fees apply.
- Issuance
- Not published (no service/annual fee stated)
- Card type
- virtual
Eligibility & KYC — who can get it
◐ Issued only in selected regionsIssued to residents / citizens of:
Allowlist product: issued only to residents of 30 EEA/UK/CH countries (KYC Level 2). The Card Rulebook (§6.1) additionally names an explicit restricted list of sanctioned/high-risk jurisdictions: Afghanistan, Belarus, Central African Republic, Cuba, Darfur (Sudan), DR Congo, Haiti, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, Nicaragua, North Korea, Russia, Somalia, South Sudan, Syria, Venezuela, Yemen, Zimbabwe. All countries outside the 30 eligible ones are effectively restricted.
Issuer’s markets: 30 eligible countries (allowlist): United Kingdom, Switzerland, Austria, Belgium, Cyprus, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden. Base currency EUR/CHF/GBP determined by residency.
Where you can pay
✓ Worldwide — anywhere Mastercard is acceptedSwissBorg's official card page states the card 'can be used internationally wherever the card network (Mastercard) is accepted' and lets you 'spend your digital assets at more than 150 million Mastercard locations worldwide,' online or in-store, including cross-border use while traveling abroad. No geographic spending limit is stated (settlement is in the card's base currency EUR/CHF/GBP).
Cashback details
BORG cashback on every purchase based on Loyalty Rank; exact per-rank spend % not published. The 'up to 99%' marketing refers to cashback on the TRADING fee (not on spend): the exchange fee is 0.99% across all ranks, with cashback on exchange fees from Standard 'up to 5%' to Elite top-10 'up to 99%'.
Spend from
BTC, ETH, SOL, BORG plus stablecoins/tokenized fiat: USDC, USDG, EURC, VEUR, VCHF, VGBP (availability varies by region). Crypto wallets only (fiat wallets cannot be used directly).
Verification procedure
KYC Level 2 required (verified photo ID + verified address); valid SwissBorg retail account (corporate accounts ineligible); residence in EEA/UK/CH.
AI subscriptions
Mastercard works for online subscriptions. EEA/UK/CH only.
Good to know
Virtual-first Mastercard (Apple Pay / Google Pay / Curve); physical card not yet announced. Rollout began Q1/Q2 2026. Set a primary spending asset plus backup assets for payment resilience; automatic real-time crypto-to-fiat conversion. MiCA-authorised (AMF France, March 2026); joined Mastercard's Crypto Partner Program. Conversion via SwissBorg Meta-Exchange (MEX). 3D Secure, in-app freeze/unfreeze. Supports subscriptions/recurring payments.
