SwissBorg Card vs Tangem Pay
Crypto native
Crypto native
Verdict
- SwissBorg Card scores higher overall (7.1 vs 4.8 out of 10).
- SwissBorg Card is clearly stronger on: Availability, FX & international, Transparency.
- Tangem Pay is clearly stronger on: Product features, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
SwissBorg Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Availability, FX & international, Transparency
Tangem Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Product features, Custody & security
★ 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 | SwissBorg Card | Tangem Pay |
|---|---|---|
| Fees | 88 | 78 |
| Cashback & rewards | – | 30 |
| Availability | 100 | 3 |
| FX & international | 100 | 40 |
| Product features | 47 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 20 | 20 |
| Transparency | 100 | 86 |
| Best for Cashback | 6.5 | 4.2 |
| Best for Travel | 7.6 | 4.3 |
| Best for Self-Custody | n/a | 6.8 |
| Best for DeFi Users | 6.0 | 6.0 |
| Best for Stablecoins | 7.6 | 6.1 |
| Best for High Spenders | 6.1 | 4.2 |
| Best for Low Fees | 8.3 | 6.2 |
| Best for Beginners | 7.5 | 6.2 |
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
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Stablecoin cardConditions apply: tap or hover for detailsShow source
Funded with USDC loaded in advance; no credit line
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends crypto balances held in the SwissBorg app
Self-custodyShow source
Card issuer / program manager
UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source
Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source
Tiers / plans
Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)Conditions apply: tap or hover for detailsShow source
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Basic tier; Plus $29.99/month
Virtual card fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Basic tier
Replacement fee
$5Conditions apply: tap or hover for detailsShow source
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
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)
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Tangem pages show 1% and 1.5%
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
$1Conditions apply: tap or hover for detailsShow source
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
ATM fee
4%Conditions apply: tap or hover for detailsShow source
Basic tier; 2% on Plus
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 feesShow source
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Basic tier; minimum $30 per transaction; monthly cap applies
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Prestige tier ($999/year, coming soon); Plus 2%
Cashback paid in
BORGShow source
USDCShow source
Cashback type
Platform tokenShow source
StablecoinShow source
Cashback-eligible spend cap
$10,000/monthConditions apply: tap or hover for detailsShow source
Basic tier, per month; Plus $15,000
Max cashback per month
$100/monthConditions apply: tap or hover for detailsShow source
Basic tier; Plus $300, Prestige $1000
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
Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source
Reward expiry / vesting
BORG cashback is locked for a certain periodShow source
Reward exclusions
In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source
Credit & financing
Credit line
NoShow source
NoShow source
Credit type
NoneShow 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
United StatesConditions apply: tap or hover for detailsShow source
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Account / spend currencies
EUR · CHF · GBPConditions apply: tap or hover for detailsShow source
Base currency set by country of residence
USDShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
US routing and account number (ACH/FedWire), not an IBAN
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Initially in Switzerland and France only
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
May follow later
YesConditions apply: tap or hover for detailsShow source
Page elsewhere mentions up to three virtual cards
Virtual card
YesShow source
YesShow source
ATM withdrawals
NoShow source
YesConditions apply: tap or hover for detailsShow source
Contactless ATMs only, via Apple Pay or Google Pay
Spend stablecoins
YesShow source
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Travel / rental car insurance
NoConditions apply: tap or hover for detailsShow source
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Purchase protection
NoConditions apply: tap or hover for detailsShow source
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Spendable assets
USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source
USDC · USDTShow source
Blockchains
Polygon · Base · BNB Smart Chain · ArbitrumShow source
Limits
ATM limit
$250Conditions apply: tap or hover for detailsShow source
Per transaction; up to 3 withdrawals per 24 hours
Spending limit
$10,000Conditions apply: tap or hover for detailsShow source
Per day, Basic tier; Plus $50,000, Prestige $100,000
Annual cost at 1,500 EUR/month
SwissBorg Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value78 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers