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Bit2Me Card vs SwissBorg Card

Bit2Me Card

Crypto native

5.8
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SwissBorg Card

Crypto native

7.1
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Verdict

  • SwissBorg Card scores higher overall (7.1 vs 5.8 out of 10).
  • Bit2Me Card is clearly stronger on: Product features, Custody & security, Limits & ATM.
  • SwissBorg Card is clearly stronger on: FX & international.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bit2Me Card is a good fit for

  • Stablecoin holders

Stronger on: Product features, Custody & security, Limits & ATM

SwissBorg Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: FX & international

★ 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
Get the card
Review & sourcesBit2Me Card vs ether.fi CashSwissBorg Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBit2Me CardSwissBorg Card
Fees8988
Cashback & rewards28–
Availability–100
FX & international20100
Product features7047
Custody & security7560
Credit & financing3030
Limits & ATM8120
Transparency100100
Best for Cashback5.06.5
Best for Travel5.27.6
Best for DeFi Users5.96.0
Best for Stablecoins6.07.6
Best for High Spenders4.76.1
Best for Low Fees7.28.3
Best for Beginners7.37.5

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
MastercardShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends a linked wallet on the Bit2Me exchange

CustodialConditions apply: tap or hover for detailsShow source

Spends crypto balances held in the SwissBorg app

Card issuer / program manager

PecuniaConditions apply: tap or hover for detailsShow source

Named as Bit2Me's card provider (handles limit increase requests); exact role (issuer / program manager) not stated

UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source

Tiers / plans

Space Center levels 0–7Show source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Page states no maintenance fees for virtual or physical cards

FreeShow source

Monthly fee

FreeShow source
FreeShow source

Physical card fee

€20Conditions apply: tap or hover for detailsShow source

Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain

No data yet

Virtual card fee

FreeShow source
FreeShow source

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Virtual card replacement only; physical card replacement fee not stated

No data yet

FX fee

2%Conditions apply: tap or hover for detailsShow source

Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro

0%Conditions apply: tap or hover for detailsShow source

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

Crypto conversion fee

0.95%Conditions apply: tap or hover for detailsShow source

Paying from a linked crypto wallet; 0% from the euro wallet

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

ATM fee

€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source

Outside the eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only

No data yet

Free ATM allowance

€300/monthShow source
No data yet

Other fees & markups

Purchase refund fee 0.95% when refunded to the linked crypto wallet (0% to the euro wallet)Show source
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

Cashback & rewards

Max cashback

7%Conditions apply: tap or hover for detailsShow source

Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)

No data yet

Cashback paid in

B2MShow source
BORGShow source

Cashback type

Platform tokenShow source
Platform tokenShow source

Max cashback per month

€300/monthConditions apply: tap or hover for detailsShow source

Level 7; €7.50 at level 1, none at level 0

No data yet

Cashback conditions

Monthly cashback cap depends on the Bit2Me Space Center level (€7.50 at level 1 to €300 at level 7; none listed at level 0) · Minimum cashback €0.01 · Minimum purchase amount €0.30Conditions apply: tap or hover for detailsShow source

The minimum purchase amount is listed in the card limits table next to the minimum cashback; the page does not say whether it applies to cashback only

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

Reward expiry / vesting

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

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

No data yet
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

Account / spend currencies

No data yet
EUR · CHF · GBPConditions apply: tap or hover for detailsShow source

Base currency set by country of residence

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Initially in Switzerland and France only

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
NoConditions apply: tap or hover for detailsShow source

May follow later

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Physical card only

NoShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Card can be linked to a stablecoin wallet (Bit2Me Earn offer)

YesShow source

Spendable assets

No data yet
USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source

Limits

ATM limit

€300Conditions apply: tap or hover for detailsShow source

Per day; €3,000 a month

No data yet

Spending limit

€2,500Conditions apply: tap or hover for detailsShow source

Per transaction and per day; €20,000 a month

No data yet

Security & custody

Regulation / licences

CNMV-authorised crypto-asset service provider under MiCA (Regulation (EU) 2023/1114)Conditions apply: tap or hover for detailsShow source

Applies to Bit2Me (Bitcoinforme S.L.), stated in the site footer; resolution of 28 July 2025

No data yet

Annual cost at 1,500 EUR/month

Bit2Me Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

SwissBorg Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

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

More Bit2Me Card comparisons

More SwissBorg Card comparisons