Mine Card vs SwissBorg Card
Crypto native
Crypto native
Verdict
- SwissBorg Card scores higher overall (7.1 vs 6.3 out of 10).
- Mine Card is clearly stronger on: Fees, Product features, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Mine Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees, Product features, Custody & security
SwissBorg Card is a good fit for
- Stablecoin holders
- Frequent travellers
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Mine Card | SwissBorg Card |
|---|---|---|
| Fees | 99 | 88 |
| Cashback & rewards | 26 | – |
| Availability | – | 100 |
| FX & international | – | 100 |
| Product features | 70 | 47 |
| Custody & security | 85 | 60 |
| Credit & financing | – | 30 |
| Limits & ATM | – | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | 5.1 | 6.5 |
| Best for Travel | n/a | 7.6 |
| Best for Self-Custody | 7.4 | n/a |
| Best for DeFi Users | 6.8 | 6.0 |
| Best for Stablecoins | 7.0 | 7.6 |
| Best for High Spenders | 5.1 | 6.1 |
| Best for Low Fees | 8.0 | 8.3 |
| Best for Beginners | 7.6 | 7.5 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveConditions apply: tap or hover for detailsShow source
Invite-only: sign-up needs a code from an existing member (or the higher no-code price)
ActiveShow source
Card type
Stablecoin cardConditions apply: tap or hover for detailsShow source
Spends from your USDC balance, converted at purchase
Debit cardShow source
Network
MastercardShow source
MastercardShow source
Custody model
Self-custodyShow source
CustodialConditions apply: tap or hover for detailsShow source
Spends crypto balances held in the SwissBorg app
Card issuer / program manager
Unblock Atomo SARL (card issuer); operated by EMM Ventures AGShow source
UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source
Tiers / plans
Basic · PremiumConditions apply: tap or hover for detailsShow source
Metal and Private announced, no price yet
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Basic and Premium are one-off fees, no subscription
FreeShow source
Physical card fee
$124Conditions apply: tap or hover for detailsShow source
Premium tier (physical + virtual card), one-off; $99 with an invite code
Virtual card fee
$5Conditions apply: tap or hover for detailsShow source
One-off; free with an invite code
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Mastercard exchange rate; SwissBorg adds no FX fee (the crypto exchange fee still applies)
Crypto conversion fee
0.99%Conditions apply: tap or hover for detailsShow source
Exchange fee for every loyalty rank; a real-time market-liquidity adjustment may be added
Top-up fee
FreeShow source
Other fees & markups
Small markup on card FX · Conversion pricing above the free 500 CHF/EUR lifetime allowanceShow source
Real-time market-liquidity adjustment may be applied to the conversion price · Third parties such as Apple/Google Pay, Curve or PayPal may charge additional feesShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Basic tier has no cashback; Premium 0.5% in USDC
Max cashback
0.5%Conditions apply: tap or hover for detailsShow source
Premium tier; 'boosted cashback' announced for Metal
Cashback paid in
USDCShow source
BORGShow source
Cashback type
StablecoinShow source
Platform tokenShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
Opt-in Earn via Aave V3, off by default; variable
Cashback conditions
Cashback is a share of the 0.99% exchange fee: up to 5% (Standard) to up to 99% (Elite top 10) depending on the loyalty rank · BORG rewards are locked for a period (Paid to Trade programme) · Cashback is not guaranteed and can be changed or stopped at any timeShow source
Reward expiry / vesting
BORG cashback is locked for a certain periodShow source
Credit & financing
Credit line
NoShow source
Availability
Available in
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, SwedenShow source
Account / spend currencies
CHF · EUR · USDCShow source
EUR · CHF · GBPConditions apply: tap or hover for detailsShow source
Base currency set by country of residence
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
CHF and EUR IBAN in your own name; incoming money settles as USDC
Features
Apple Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Initially in Switzerland and France only
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Premium tier
NoConditions apply: tap or hover for detailsShow source
May follow later
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Limit $20,000 per month on Basic, $60,000 on Premium
NoShow source
Spend stablecoins
YesShow source
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Listed only under the (not yet released) Metal tier; not on Basic or Premium
Spendable assets
USDCShow source
USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source
Limits
ATM limit
$20,000Conditions apply: tap or hover for detailsShow source
Per month on Basic; $60,000 on Premium
Spending limit
$100,000Conditions apply: tap or hover for detailsShow source
Per month, Basic; Premium $1,000,000
Security & custody
Regulation / licences
Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Applies to opt-in Earn via Aave V3
Annual cost at 1,500 EUR/month
Mine Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
SwissBorg Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers