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Mine Card vs SwissBorg Card

Mine Card

Crypto native

6.3
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SwissBorg Card

Crypto native

7.1
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Verdict

  • SwissBorg Card scores higher overall (7.1 vs 6.3 out of 10).
  • Mine Card is clearly stronger on: Fees, Product features, Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Mine Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: Fees, Product features, 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 & sourcesMine Card vs ether.fi CashSwissBorg Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionMine CardSwissBorg Card
Fees9988
Cashback & rewards26–
Availability–100
FX & international–100
Product features7047
Custody & security8560
Credit & financing–30
Limits & ATM–20
Transparency100100
Best for Cashback5.16.5
Best for Traveln/a7.6
Best for Self-Custody7.4n/a
Best for DeFi Users6.86.0
Best for Stablecoins7.07.6
Best for High Spenders5.16.1
Best for Low Fees8.08.3
Best for Beginners7.67.5

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

ActiveConditions apply: tap or hover for detailsShow source

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

ActiveShow source

Card type

Stablecoin cardConditions apply: tap or hover for detailsShow source

Spends from your USDC balance, converted at purchase

Debit cardShow source

Network

MastercardShow source
MastercardShow source

Custody model

Self-custodyShow source
CustodialConditions apply: tap or hover for detailsShow source

Spends crypto balances held in the SwissBorg app

Card issuer / program manager

Unblock Atomo SARL (card issuer); operated by EMM Ventures AGShow source
UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source

Tiers / plans

Basic · PremiumConditions apply: tap or hover for detailsShow source

Metal and Private announced, no price yet

No data yet

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Basic and Premium are one-off fees, no subscription

FreeShow source

Physical card fee

$124Conditions apply: tap or hover for detailsShow source

Premium tier (physical + virtual card), one-off; $99 with an invite code

No data yet

Virtual card fee

$5Conditions apply: tap or hover for detailsShow source

One-off; free with an invite code

FreeShow source

FX fee

No data yet
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

FreeShow source
No data yet

Other fees & markups

Small markup on card FX · Conversion pricing above the free 500 CHF/EUR lifetime allowanceShow 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

0%Conditions apply: tap or hover for detailsShow source

Basic tier has no cashback; Premium 0.5% in USDC

No data yet

Max cashback

0.5%Conditions apply: tap or hover for detailsShow source

Premium tier; 'boosted cashback' announced for Metal

No data yet

Cashback paid in

USDCShow source
BORGShow source

Cashback type

StablecoinShow source
Platform tokenShow source

Interest on balance

5%Conditions apply: tap or hover for detailsShow source

Opt-in Earn via Aave V3, off by default; variable

No data yet

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

No data yet
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

CHF · EUR · USDCShow 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

CHF and EUR IBAN in your own name; incoming money settles as USDC

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

YesConditions apply: tap or hover for detailsShow source

Premium tier

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

Limit $20,000 per month on Basic, $60,000 on Premium

NoShow source

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

NoConditions apply: tap or hover for detailsShow source

Listed only under the (not yet released) Metal tier; not on Basic or Premium

No data yet

Spendable assets

USDCShow source
USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source

Limits

ATM limit

$20,000Conditions apply: tap or hover for detailsShow source

Per month on Basic; $60,000 on Premium

No data yet

Spending limit

$100,000Conditions apply: tap or hover for detailsShow source

Per month, Basic; Premium $1,000,000

No data yet

Security & custody

Regulation / licences

Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source
No data yet

Smart-contract risk

YesConditions apply: tap or hover for detailsShow source

Applies to opt-in Earn via Aave V3

No data yet

Annual cost at 1,500 EUR/month

Mine Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 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

More Mine Card comparisons

More SwissBorg Card comparisons