savebackcards.com
DEEN

Bitsa Card vs SwissBorg Card

Bitsa Card

Crypto enabled

5.9
Get the card
SwissBorg Card

Crypto native

7.1
Get the card

Verdict

  • SwissBorg Card scores higher overall (7.1 vs 5.9 out of 10).
  • Bitsa 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.

Bitsa Card is a good fit for

  • No specific audience can be derived from the published data yet.

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 & sourcesBitsa Card vs ether.fi CashSwissBorg Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitsa CardSwissBorg Card
Fees8288
Cashback & rewards0–
Availability100100
FX & international30100
Product features7047
Custody & security7560
Credit & financing3030
Limits & ATM7520
Transparency100100
Best for Cashback4.06.5
Best for Travel5.67.6
Best for DeFi Usersn/a6.0
Best for Stablecoinsn/a7.6
Best for High Spenders3.66.1
Best for Low Fees7.08.3
Best for Beginners7.67.5
Best E-Money Card6.9n/a

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

Prepaid card, E-money cardShow source
Debit cardShow source

Network

VisaShow source
MastercardShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Crypto is converted to euros on top-up; the card spends an e-money balance

CustodialConditions apply: tap or hover for detailsShow source

Spends crypto balances held in the SwissBorg app

Card issuer / program manager

Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source

Tiers / plans

Free · Move · ProShow source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €8.99/year, Pro €69.99/year

FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €0.99/month (€8.99/year), Pro €9.99/month (€69.99/year)

FreeShow source

Physical card fee

€20Show source
No data yet

Virtual card fee

€2.50Show source
FreeShow source

FX fee

1.75%Conditions apply: tap or hover for detailsShow source

Non-euro SEPA-zone currencies; 2% in the rest of the world

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

No data yet
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

1.5%Conditions apply: tap or hover for detailsShow source

External-card top-ups beyond the free ones (Free: 2 in total, Move: 3/month, Pro: 4/month); vouchers 0–6%

No data yet

ATM fee

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

Outside the euro area; euro area €2.50 per withdrawal, Spain: the ATM operator's fee is passed on

No data yet

Transfer fee

€1Conditions apply: tap or hover for detailsShow source

SEPA transfer on Free and Move; free on Pro

No data yet

Other fees & markups

Voucher top-up fee 0–6% · Transfers to another holder or institution €1.50 · Crypto top-ups limited to €20,000 per dayShow 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

Cashback paid in

No data yet
BORGShow source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

Card payments earn no cashback; gift cards in the app up to 15%

Platform tokenShow source

Cashback conditions

No data yet
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

EEAConditions apply: tap or hover for detailsShow source

Residents of the EEA

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

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

Base currency set by country of residence

Own IBAN / bank details

YesShow source
No data yet

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

YesShow source
NoShow source

Spend stablecoins

No data yet
YesShow source

Spendable assets

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

Limits

ATM limit

€450Conditions apply: tap or hover for detailsShow source

Per day, withdrawals outside Spain

No data yet

Spending limit

€1,500Conditions apply: tap or hover for detailsShow source

Purchase limit on Free; Move €5,000, Pro €15,000

No data yet

Security & custody

Regulation / licences

Pecunpay: e-money institution supervised by the Bank of SpainShow source
No data yet

Annual cost at 1,500 EUR/month

Bitsa Card

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−19 EUR
  • Cashback+0 EUR
  • Net annual value-82 EUR

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 Bitsa Card comparisons

More SwissBorg Card comparisons