N26 vs SwissBorg Card

Product status: Active

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified 4 days ago (Recently verified) · confidence 85%

Product status: Active

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card type: Debit card

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 90%

Card type: Debit card

Source states (paraphrased): It’s a Mastercard debit card that lets you spend your cryptocurrency at merchants by converting it into fiat currency

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Network: Mastercard

Source states (paraphrased): qualifying transactions made with your N26 Mastercard

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 85%

Network: Mastercard

Source states (paraphrased): It’s a Mastercard debit card

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Custody model: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Custody model: Custodial

Spends crypto balances held in the SwissBorg app

Source states (paraphrased): It works just like a traditional debit card, but is linked to your crypto balances in the SwissBorg app.

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card issuer / program manager: UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)

Source states (paraphrased): The SwissBorg Card is issued by Monavate.

Source: SwissBorg Card Rulebook

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Tiers / plans: Standard · Smart · Go · Metal

Source states (paraphrased): N26 Smart and N26 Go customers can choose from one of five card colors.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 85%

Annual fee: Free

Source states (paraphrased): There are no service or annual fees, but real-time crypto-to-fiat conversions are subject to fees.

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Monthly fee: Free

Standard account

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Monthly fee: Free

Source states (paraphrased): There are no service or annual fees

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Physical card fee: €10

Standard plan; included in Smart, Go and Metal

Source states (paraphrased): Physical card €10

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 85%

Virtual card fee: Free

First virtual card free on Standard

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 90%

Virtual card fee: Free

Source states (paraphrased): There are no service or annual fees

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

FX fee: 0%

Page lists worldwide card payments as free on all plans; exchange rate not stated on this page

Source states (paraphrased): Worldwide card payments Free

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 75%

FX fee: 0%

Mastercard exchange rate; SwissBorg adds no FX fee (the crypto exchange fee still applies)

Source states (paraphrased): SwissBorg won’t charge additional FX fees.

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Crypto conversion fee: 1.5%

N26 Crypto (Bitpanda) trading fee for Bitcoin; 2.5% for other coins, 3.5% for low-liquidity coins; N26 Metal 0.5% discount up to €5,000 order volume per month

Source states (paraphrased): Trades are subject to a transaction fee of 1.5% for Bitcoin and 2.5% for all other coins

Source: N26 Crypto: conveniently trade over 400 cryptocurrencies

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 75%

ATM fee: 1.7%

Withdrawals outside the eurozone on Standard and Smart; free on Go and Metal. Euro withdrawals: 2 free per month on Standard (3 Smart, 5 Go, 8 Metal); fee beyond the quota not stated on this page

Source states (paraphrased): ATM withdrawals outside the eurozone 1.7% fee

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 75%

Other fees & markups: N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)

Source states (paraphrased): N26 Standard account holders can get a debit card paired with their N26 account against a one-off fee covering the delivery.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 85%

Other fees & markups: 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 fees

Source: SwissBorg Card Rulebook

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Base cashback: 0%

Standard: no cashback; Go and Metal get 1% travel cashback

Source states (paraphrased): Reise-Cashback 1 | 1 % | 1 % (only Go and Metal columns)

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Max cashback: 1%

Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only

Source states (paraphrased): Alle Smart Features und Gratisabhebungen außerhalb der Eurozone 1 % Cashback auf Reisen

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Cashback paid in: BORG

Source states (paraphrased): Earn cashback in BORG tokens on every purchase based on your loyalty rank.

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Cashback type: Platform token

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Interest on balance: 0.3%

Tagesgeld (savings) on Standard, variable; Go 0.50%, Metal 1.50% p.a.

Source states (paraphrased): Tagesgeldzinsen 2 | 0,30 % p.a. | 0,30 % p.a. | 0,50 % p.a. | 1,5 % p.a.

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

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 time

Source states (paraphrased): A user can receive up to 99% cashback on the trading fee.

Source: SwissBorg Card Rulebook

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Reward expiry / vesting: BORG cashback is locked for a certain period

Source states (paraphrased): BORG rewards are locked for a certain period.

Source: SwissBorg Card Rulebook

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Credit line: No

Source states (paraphrased): Credit cards are not currently offered.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 90%

Credit line: No

Source: SwissBorg Card Rulebook

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Credit type: None

Source states (paraphrased): Credit cards are not currently offered.

Source: What's the difference between debit vs. credit cards?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified 4 days ago (Recently verified) · confidence 90%

Available in: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland

21 countries listed: Austria, Belgium, Denmark, Estonia, Finland, France (not DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland; residency and requirements apply

Source states (paraphrased): We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the DOM/TOM)

Source: Availability across Countries

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

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, Sweden

Source states (paraphrased): Reside in one of the following countries: 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

Source: SwissBorg Card Rulebook

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Account / spend currencies: EUR · CHF · GBP

Base currency set by country of residence

Source states (paraphrased): The SwissBorg Card supports EUR, GBP or CHF as base currencies.

Source: SwissBorg Card Rulebook

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Own IBAN / bank details: Yes

Source states (paraphrased): Give your N26 account IBAN to your employer

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Apple Pay: Yes

Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Apple Pay: Yes

Initially in Switzerland and France only

Source states (paraphrased): Apple Pay is initially available in Switzerland and France

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Google Pay: Yes

Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Google Pay: Yes

Source states (paraphrased): Make purchases using Apple Pay, Google Pay, Curve

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Physical card: Yes

Source states (paraphrased): If you ordered a physical debit card, this will arrive via post.

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Physical card: No

May follow later

Source states (paraphrased): In the initial stage, only virtual cards will be available for ordering.

Source: SwissBorg Card Rulebook

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Virtual card: Yes

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Virtual card: Yes

Source states (paraphrased): The SwissBorg Card is a virtual card

Source: SwissBorg Crypto Debit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

ATM withdrawals: Yes

Source states (paraphrased): 2 free ATM withdrawals in euros

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

ATM withdrawals: No

Source states (paraphrased): Cash withdrawals at ATMs are not initially available with the SwissBorg Card.

Source: SwissBorg Card Rulebook

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Spend stablecoins: Yes

Source: SwissBorg Card Rulebook

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Airport lounge access: No

Standard: 33 € per visit; Go first visit 15 €, Metal first visit per year free

Source states (paraphrased): Zugang zu Flughafenlounges 6 | 33 € pro Besuch | 33 € pro Besuch | Erster Besuch pro Jahr 15 €, danach 30 €

Source: https://n26.com/de-at/konten-vergleichen

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Travel / rental car insurance: No

Only Go and Metal plans (not Standard)

Source states (paraphrased): Up to €2,000

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Purchase protection: No

Only Metal plan

Source states (paraphrased): Purchase protection8 Up to €2,500 per claim

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Spendable assets: USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBP

Source: SwissBorg Card Rulebook

Official terms & conditions (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Regulation / licences: German full banking licence (BaFin)

Source states (paraphrased): N26 has been granted a full German banking license from BaFin.

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%

Deposit protection: Yes

Up to €100,000

Source states (paraphrased): protected up to €100,000 by the German Deposit Guarantee Scheme

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 4 days ago (Recently verified) · confidence 95%