SwissBorg Card vs Wise Card
Crypto native
E-money / FinTech
Verdict
- SwissBorg Card scores higher overall (7.1 vs 6.9 out of 10).
- SwissBorg Card is clearly stronger on: FX & international.
- Wise Card is clearly stronger on: Fees, Product features, Custody & security, 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
Stronger on: FX & international
Wise Card is a good fit for
- Frequent travellers
Stronger on: Fees, Product features, Custody & security, Limits & ATM
★ 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 | Wise Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | – | 12 |
| Availability | 100 | 100 |
| FX & international | 100 | 83 |
| Product features | 47 | 70 |
| Custody & security | 60 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 20 | 51 |
| Transparency | 100 | 100 |
| Best for Cashback | 6.5 | 5.0 |
| Best for Travel | 7.6 | 7.5 |
| Best for DeFi Users | 6.0 | n/a |
| Best for Stablecoins | 7.6 | n/a |
| Best for High Spenders | 6.1 | 4.9 |
| Best for Low Fees | 8.3 | 8.8 |
| Best for Beginners | 7.5 | 8.1 |
| Best E-Money Card | n/a | 8.4 |
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
VisaConditions apply: tap or hover for detailsShow source
Visa in Ireland and the EEA; network depends on issuing country
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
The provider holds the funds
Card issuer / program manager
UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
No subscription required
Physical card fee
€7Conditions apply: tap or hover for detailsShow source
Ireland page; one-time card order fee
Virtual card fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Ireland page
Replacement fee
€4Conditions apply: tap or hover for detailsShow source
Ireland page; free if the card was expiring
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)
0.43%Conditions apply: tap or hover for detailsShow source
From; varies by currency pair; 0% when spending a currency you hold
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
FreeConditions apply: tap or hover for detailsShow source
Domestic bank transfer only; other payment methods have varying fees
ATM fee
2.69%Conditions apply: tap or hover for detailsShow source
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Free ATM allowance
€250/monthConditions apply: tap or hover for detailsShow source
Eurozone-issued cards; no limit on the number of free withdrawals
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
Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amountConditions apply: tap or hover for detailsShow source
Spending a currency you hold is free
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
No cashback on card spending (owner research)
Cashback paid in
BORGShow source
Cashback type
Platform tokenShow source
NoneConditions apply: tap or hover for detailsShow source
No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest
Interest on balance
2.4%Conditions apply: tap or hover for detailsShow source
Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies
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 balance
€101Conditions apply: tap or hover for detailsShow source
Held for the whole month to receive balance cashback, based on September 2026 rates (55 GBP, 51 USD)
Reward expiry / vesting
BORG cashback is locked for a certain periodShow source
Reward exclusions
Account outside the EEA · Money held in Wise Assets (interest/stocks) · Negative or suspended account · Pre-tax cashback under 0.10 · Opted out of cashbackShow source
Credit & financing
Credit line
NoShow source
NoShow source
Spend own balance directly
YesShow 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
Australia, Brazil, Canada, EEA, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source
Thailand only for accounts registered on or after 21 January 2026
Not available in
Hong KongConditions apply: tap or hover for detailsShow source
Cards are blocked on moving to Hong Kong; no new card offered
Account / spend currencies
EUR · CHF · GBPConditions apply: tap or hover for detailsShow source
Base currency set by country of residence
EUR · GBP · USD · and many moreShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Personal accounts; business accounts may pay a one-time setup fee
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
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
NoShow source
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source
Security & custody
Regulation / licences
Wise Europe SA: authorised payment institution supervised by the National Bank of BelgiumConditions apply: tap or hover for detailsShow source
EU entity
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection
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
Wise Card
- Annual & monthly fees+0 EUR
- FX costs−15 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value-15 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers