SWISSQUOTE Card Take your finances by the horns
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | YES |
| NEED KYC | YES |
| FX FEE | UP TO 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €1,000 |
| DAILY LIMIT | €10,000/MO |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | €6.90/MONTH |
| CASHBACK | YES |
| NEED KYC | YES |
| FX FEE | UP TO 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €2,000 |
| DAILY LIMIT | €25,000/MO |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | €39/MONTH |
| CASHBACK | YES |
| NEED KYC | YES |
| FX FEE | UP TO 1.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €5,000 |
| DAILY LIMIT | €50,000/MO |
The 13 main currencies with reduced conversion fees: CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD. All other currencies use Mastercard rate +1.5% across all tiers.
- FX Fee Summary Per Tier
Light and Bright pay 0.95% on the 13 main currencies. Elite pays 0% up to CHF 5,000/month, then 0.25% per transaction, except weekends/holidays when a flat 1% applies regardless of the threshold. On all other currencies, every tier pays Mastercard rate +1.5% from the first transaction.
- Cashback Summary Per Tier
Light earns 0.25% Trading Credit on regular spend and 0.5% on crypto spend. Bright doubles both to 0.5% and 1%. Elite matches Bright's Trading Credit and adds 0.5% cashback in physical gold (XAU), capped at CHF 25/month. Trading Credit offsets future trading fees, not cash, and gold cashback incurs monthly custody fees unless converted to fiat.
- Asset Requirement (Elite Only)
Elite requires CHF 100,000 in total assets at time of subscription. Light and Bright have no minimum.
- Save Easy vs Cash Deposit
Standard cash deposits pay 0% across all currencies and amounts. Save Easy (separate product) offers tiered rates: CHF 0.10%, EUR up to 0.75%, USD up to 1.75%, GBP up to 2%, AED up to 1.75%, ZAR up to 5%. Save Easy has a monthly cash-out limit of CHF/USD/EUR/GBP 25,000 with 1% penalty beyond.
THE REAL STORY ON THIS CARD.
- FREE virtual card (Light tier)
- Crypto payments directly from account (BTC, ETH, XRP)
- Multi-currency IBAN (29 currencies)
- No transaction fees on any currency
- Trading Credit cashback on all purchases
- Gold cashback on Elite tier
- Priority Pass lounge access (Elite)
- Travel insurance included (Elite)
- Wide digital wallet support (Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay, SwatchPAY)
- FX fee 0.95% on 13 main currencies (Light/Bright)
- Elite requires CHF 100,000 minimum assets
- ATM fees apply (Light: always; Bright: abroad; Elite: beyond 5 free/month)
- Weekend/holiday 1% FX flat rate on Elite
- Gold cashback incurs custody fees if not converted
- Physical card limited to 16 countries
- Standard cash deposits earn 0% interest
GENERAL QUESTIONS.
Each account can be linked to only one physical debit card (Bright or Elite). However, this physical card can be added to multiple digital wallets, such as Google Pay, Apple Pay, or Samsung Pay. If you need an additional card, you have the option to add a virtual one instead (Light).
The Swissquote Virtual Debit Mastercard, included in the Light package, is completely free.
The Swissquote Debit Mastercard® included in the Bright package is offered at CHF 6.90 per month, with the first six months free. The Swissquote Elite Debit Mastercard® costs CHF 39 per month. In the event that the card included in the Elite package is cancelled within the first six months, a cancellation fee equal to two months’ subscription fees will be applied.
All currencies are exempt from transaction fees, whatever your package.
