Bitstack Card vs SwissBorg Card
Crypto enabled
Crypto native
Verdict
- SwissBorg Card scores higher overall (7.1 vs 5.5 out of 10).
- Bitstack Card is clearly stronger on: Product features, Custody & security, Limits & ATM.
- SwissBorg Card is clearly stronger on: Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitstack 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: Availability
★ 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 | Bitstack Card | SwissBorg Card |
|---|---|---|
| Fees | 97 | 88 |
| Cashback & rewards | 22 | – |
| Availability | 3 | 100 |
| FX & international | – | 100 |
| Product features | 70 | 47 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 84 | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.5 | 6.5 |
| Best for Travel | 5.9 | 7.6 |
| Best for DeFi Users | n/a | 6.0 |
| Best for Stablecoins | n/a | 7.6 |
| Best for High Spenders | 5.1 | 6.1 |
| Best for Low Fees | 8.4 | 8.3 |
| Best for Beginners | 6.7 | 7.5 |
| Best E-Money Card | 7.0 | n/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
Debit cardConditions apply: tap or hover for detailsShow source
Card linked to the euro cash account
Debit cardShow source
Network
VisaShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet
CustodialConditions apply: tap or hover for detailsShow source
Spends crypto balances held in the SwissBorg app
Card issuer / program manager
Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source
Tiers / plans
Standard · PlusShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard; Plus €2.99/month or €29.99/year
FreeShow source
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Standard, plus delivery; Plus: free delivery, annual Plus: free
Virtual card fee
FreeShow 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)
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
ATM fee
1%Conditions apply: tap or hover for detailsShow source
Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Or 5 withdrawals per month
Other fees & markups
Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)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
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Up to; Standard plan, eligibility conditions and caps apply
Max cashback
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Plus plan (€2.99/month)
Cashback paid in
BTCShow source
BORGShow source
Cashback type
CryptoShow source
Platform tokenShow source
Cashback conditions
Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
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
BORG cashback is locked for a certain periodShow source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
FranceShow source
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
YesConditions apply: tap or hover for detailsShow source
French IBAN
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
ATM withdrawals
YesShow source
NoShow source
Spend stablecoins
YesShow source
Spendable assets
USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source
Limits
Spending limit
€1,000Conditions apply: tap or hover for detailsShow source
Per month for international payments on Standard; €3,000 on Plus
Security & custody
Regulation / licences
CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
Annual cost at 1,500 EUR/month
Bitstack Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- 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