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Bringin Card vs SwissBorg Card

Bringin Card

Crypto native

7.4
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SwissBorg Card

Crypto native

7.1
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Verdict

  • Bringin Card scores higher overall (7.4 vs 7.1 out of 10).
  • Bringin Card is clearly stronger on: Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bringin Card is a good fit for

  • Frequent travellers

Stronger on: Custody & security

SwissBorg Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

★ 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 & sourcesBringin Card vs ether.fi CashSwissBorg Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBringin CardSwissBorg Card
Fees8088
Cashback & rewards––
Availability100100
FX & international100100
Product features5647
Custody & security8560
Credit & financing3030
Limits & ATM–20
Transparency100100
Best for Cashbackn/a6.5
Best for Travel8.07.6
Best for DeFi Users6.86.0
Best for Stablecoinsn/a7.6
Best for High Spenders6.36.1
Best for Low Fees8.48.3
Best for Beginners7.97.5

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

VisaShow source
MastercardShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Bitcoin stays in the user's own wallet; euros are held in the card's vIBAN

CustodialConditions apply: tap or hover for detailsShow source

Spends crypto balances held in the SwissBorg app

Card issuer / program manager

Infrastructure by Lightspark Payments Europe AS (MiCA-authorized CASP)Show source
UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source

Fees

Annual fee

€37.69/yearConditions apply: tap or hover for detailsShow source

Paid annually (10% discount); otherwise €3.49 a month

FreeShow source

Monthly fee

€3.49/monthConditions apply: tap or hover for detailsShow source

Monthly payment; €37.69 when paid annually

FreeShow source

Physical card fee

FreeShow source
No data yet

Virtual card fee

FreeShow source
FreeShow source

FX fee

0%Show source
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

1%Conditions apply: tap or hover for detailsShow source

Bitcoin to euro

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

Settlement fee

FreeShow source
No data yet

Other fees & markups

No data yet
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

No data yet
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

Anyone 18+ with a valid ID from an EEA country

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

EUR · BTCShow 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

Personal euro vIBAN

No data yet

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only through the Curve app; direct support planned

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

BTC (on-chain and Lightning) · EURShow source
USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source

Blockchains

Bitcoin · Lightning NetworkShow source
No data yet

Limits

ATM limit

€350Conditions apply: tap or hover for detailsShow source

Per day; €3,000 a month

No data yet

Spending limit

€10,000Conditions apply: tap or hover for detailsShow source

Per day, standard KYC level; €15,000 a month

No data yet

Security & custody

Regulation / licences

MiCA (CASP authorization of infrastructure provider Lightspark Payments Europe AS)Conditions apply: tap or hover for detailsShow source

Authorization is held by the infrastructure provider, not by Bringin itself

No data yet

Annual cost at 1,500 EUR/month

Bringin Card

  • Annual & monthly fees−80 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • Per-transaction fees+0 EUR
  • ATM costsunknown
  • 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 Bringin Card comparisons

More SwissBorg Card comparisons