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SwissBorg Card vs Wirex Card

SwissBorg Card

Crypto native

7.1
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Wirex Card

Crypto native

6.4
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Verdict

  • SwissBorg Card scores higher overall (7.1 vs 6.4 out of 10).
  • Wirex Card is clearly stronger on: Fees, Product features, Limits & ATM.
  • 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

Wirex Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Fees, Product features, Limits & ATM

★ 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 CashWirex Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionSwissBorg CardWirex Card
Fees88100
Cashback & rewards–26
Availability100–
FX & international100100
Product features4770
Custody & security60–
Credit & financing3030
Limits & ATM2064
Transparency10093
Best for Cashback6.55.2
Best for Travel7.67.9
Best for DeFi Users6.05.6
Best for Stablecoins7.67.4
Best for High Spenders6.15.8
Best for Low Fees8.39.4
Best for Beginners7.57.1

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
Visa / MastercardConditions apply: tap or hover for detailsShow source

Visa or Mastercard depending on region

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Spends crypto balances held in the SwissBorg app

No data yet

Card issuer / program manager

UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source
No data yet

Tiers / plans

No data yet
Standard · Premium · EliteConditions apply: tap or hover for detailsShow source

Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

No annual card fee; paid X-tras plans are billed monthly

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year

Physical card fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)

Virtual card fee

FreeShow source
No data yet

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%Conditions apply: tap or hover for detailsShow source

As stated on this help article

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

No data yet

Top-up fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country

ATM fee

No data yet
2%Conditions apply: tap or hover for detailsShow source

EEA: after 200 EUR free monthly

Free ATM allowance

No data yet
€200/monthConditions apply: tap or hover for detailsShow source

EEA, per month

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
Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violationsShow source

Cashback & rewards

Base cashback

No data yet
0.5%Conditions apply: tap or hover for detailsShow source

Standard plan, Entry tier

Max cashback

No data yet
8%Conditions apply: tap or hover for detailsShow source

Elite plan (€29.99/month) at the Ultimate WXT-lock tier

Cashback paid in

BORGShow source
WXTShow source

Cashback type

Platform tokenShow source
CryptoConditions apply: tap or hover for detailsShow source

Cryptoback rewards program

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
Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT lockedShow source

Staking / holding required for top rewards

No data yet
YesConditions apply: tap or hover for detailsShow source

Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)

Staking asset

No data yet
WXTShow source

Reward expiry / vesting

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

Reward exclusions

No data yet
Cash withdrawals · TransfersShow source

Credit & financing

Credit line

NoShow source
NoConditions apply: tap or hover for detailsShow source

debit card

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
No data yet

Account / spend currencies

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

Base currency set by country of residence

No data yet

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

Initially in Switzerland and France only

YesShow source

Google Pay

YesShow source
No data yet

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
YesShow source

Spendable assets

USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source
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

Wirex Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 EUR

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

More SwissBorg Card comparisons

More Wirex Card comparisons