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SwissBorg Card vs wavecard

SwissBorg Card

Crypto native

7.2
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wavecard

Crypto native

7.8
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Verdict

  • wavecard scores higher overall (7.8 vs 7.2 out of 10).
  • SwissBorg Card is clearly stronger on: 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: Custody & security

wavecard is a good fit for

  • Everyday spenders who want cashback
  • Frequent travellers

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesSwissBorg Card vs ether.fi Cashwavecard vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionSwissBorg Cardwavecard
Fees8887
Cashback & rewards–75
Availability100100
FX & international100100
Product features4756
Custody & security7560
Credit & financing30–
Limits & ATM2020
Transparency100100
Best for Cashback6.57.7
Best for Travel7.67.9
Best for DeFi Users6.56.9
Best for Stablecoins7.8n/a
Best for High Spenders6.17.3
Best for Low Fees8.38.2
Best for Beginners7.78.0

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
Debit cardShow source

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Spends crypto balances held in the SwissBorg app

CustodialConditions apply: tap or hover for detailsShow source

Card funded from the user's Wave Space Crypto account held via partner Lightspark

Card issuer / program manager

UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source
Lightspark Payments Europe AS (partner for financial services); Wave Space acts as distributorConditions apply: tap or hover for detailsShow source

Card issued via white-label arrangement with a third-party provider

Fees

Annual fee

FreeShow source
No data yet

Monthly fee

FreeShow source
FreeShow source

Physical card fee

No data yet
€29.99Conditions apply: tap or hover for detailsShow source

Tracked delivery free; express delivery €30

Virtual card fee

FreeShow source
€2.99Show 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)

0%Show source

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

1%Conditions apply: tap or hover for detailsShow source

Fee on card payments

Crypto withdrawal fee

0.1%Conditions apply: tap or hover for detailsShow source

Platform crypto withdrawals: plus real-time gas fees, min/max per asset; page does not mention the card

No data yet

ATM fee

No data yet
€2 + 3%Show source

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
€30 express delivery for physical card · Network withdrawal fees on crypto withdrawals (may differ from actual network fee) · Possible maintenance fee for accounts inactive 365 daysShow source

Cashback & rewards

Base cashback

No data yet
3%Conditions apply: tap or hover for detailsShow source

Up to 21,000 sats in total

Cashback paid in

BORGShow source
BTCShow source

Cashback type

Platform tokenShow source
CryptoShow source

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
No data yet

Reward expiry / vesting

BORG cashback is locked for a certain periodShow source
No data yet

Credit & financing

Credit line

NoShow source
No data yet

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
EEAConditions apply: tap or hover for detailsShow source

Residents 18+

Account / spend currencies

EUR · CHF · GBPConditions apply: tap or hover for detailsShow source

Base currency set by country of residence

No data yet

Own IBAN / bank details

No data yet
YesShow source

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

Initially in Switzerland and France only

NoConditions apply: tap or hover for detailsShow source

Only via the Curve app; direct Apple Pay support coming soon

Google Pay

YesShow source
YesShow source

Physical card

NoConditions apply: tap or hover for detailsShow source

May follow later

YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

NoShow source
YesShow source

Spend stablecoins

YesShow source
No data yet

Spendable assets

USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source
BTCConditions apply: tap or hover for detailsShow source

Bitcoin-only

Blockchains

No data yet
Bitcoin · LightningShow source

Limits

ATM limit

No data yet
€350Conditions apply: tap or hover for detailsShow source

Daily; monthly €3,000

Spending limit

No data yet
€10,000Conditions apply: tap or hover for detailsShow source

Daily and monthly; monthly up to €15,000 with Tier 2 KYC

Security & custody

Regulation / licences

BlockNodes SAS: MiCA authorisation A2026-011 (France)Conditions apply: tap or hover for detailsShow source

Platform-level, not card-specific

No data yet

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

wavecard

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−60 EUR
  • Cashback+540 EUR
  • Net annual value480 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More SwissBorg Card comparisons

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