COMPANY detail

SWISSQUOTE Card

Take your finances by the horns
Card Fallback

CARD FEATURE OVERVIEW.

SWISSQUOTE CARD - LIGHTSWISSQUOTE CARD - BRIGHTSWISSQUOTE CARD - ELITE
TIERS
ADD TO WATCHLIST REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
YES
NEED KYC
YES
FX FEE
UP TO 1.5%
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
ethereumbitcoinripple
REGION
EUUKSWITZERLANDGLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
€1,000
DAILY LIMIT
€10,000/MO
GET THE CARD
GET IT NOW
W BONUS
NONE
REG FEE / REQ
€6.90/MO
CASHBACK
YES
NEED KYC
YES
FX FEE
UP TO 1.5%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
ethereumbitcoinripple
REGION
EUUKSWITZERLANDGLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
€2,000
DAILY LIMIT
€25,000/MO
GET THE CARD
GET IT NOW
W BONUS
NONE
REG FEE / REQ
€39/MO
CASHBACK
YES
NEED KYC
YES
FX FEE
UP TO 1.5%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
ethereumbitcoinripple
REGION
EUUKSWITZERLANDGLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
€5,000
DAILY LIMIT
€50,000/MO
GET THE CARD
GET IT NOW
LIGHT
W BONUS NONE
REG FEE / REQ FREE
CASHBACK YES
NEED KYC YES
FX FEE UP TO 1.5%
APR / YIELD YES
CARD TYPE VIRTUAL CARD
CARD NETWORK mastercard
BLOCKCHAIN ethereumbitcoinripple
REGION EUUKSWITZERLANDGLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT €1,000
DAILY LIMIT €10,000/MO
GET IT NOW
BRIGHT
W BONUS NONE
REG FEE / REQ €6.90/MO
CASHBACK YES
NEED KYC YES
FX FEE UP TO 1.5%
APR / YIELD YES
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard
BLOCKCHAIN ethereumbitcoinripple
REGION EUUKSWITZERLANDGLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT €2,000
DAILY LIMIT €25,000/MO
GET IT NOW
ELITE
W BONUS NONE
REG FEE / REQ €39/MO
CASHBACK YES
NEED KYC YES
FX FEE UP TO 1.5%
APR / YIELD YES
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard
BLOCKCHAIN ethereumbitcoinripple
REGION EUUKSWITZERLANDGLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT €5,000
DAILY LIMIT €50,000/MO
GET IT NOW
Last Updated: Sep 21, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified

FX:

13 main currencies — CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD. Light/Bright: 0.95%; Elite: 0% up to CHF 5,000/month, then 0.25%. Other currencies: Mastercard rate + 1.5% across all tiers. Elite: 1% weekend/public-holiday surcharge on the 13 main currencies.

Cashback:

Light: 0.25% regular / 0.5% crypto; Bright: 0.5% / 1%; Elite: 0.5% / 1% + 0.5% Gold cashback, capped at CHF 25/month. Trading Credit offsets trading fees; Gold cashback is subject to custody fees.

Elite:

CHF 100,000 minimum total assets at subscription.

Cash vs. Save Easy:

Standard cash balance earns 0%. Save Easy is a separate product with rates up to 5%, depending on currency and balance; monthly cash-out limits apply, with a 1% penalty for excess withdrawals without the required notice period.

THE REAL STORY ON THIS CARD.

PROS
[ STRENGTHS ]
  • thumbs-up-fill FREE virtual card (Light tier)
  • thumbs-up-fill Crypto payments directly from account (BTC, ETH, XRP)
  • thumbs-up-fill Multi-currency IBAN (29 currencies)
  • thumbs-up-fill No transaction fees on any currency
  • thumbs-up-fill Trading Credit cashback on purchases
  • thumbs-up-fill Gold cashback on Elite tier
  • thumbs-up-fill Priority Pass lounge access (Elite)
  • thumbs-up-fill Travel insurance (Elite)
  • thumbs-up-fill Apple Pay, Google Pay & Samsung Pay support
CONS
[ LIMITATIONS ]
  • thumbs-down-fill 0.95% FX fee on 13 main currencies (Light/Bright)
  • thumbs-down-fill Elite requires CHF 100,000 minimum assets
  • thumbs-down-fill ATM fees apply: Light always; Bright abroad; Elite after 5 free withdrawals/month
  • thumbs-down-fill Elite: 1% weekend/holiday FX surcharge
  • thumbs-down-fill Gold cashback may incur custody fees if the gold is retained
  • thumbs-down-fill Physical card available in 15 countries
  • thumbs-down-fill Standard cash balance earns 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.

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SWISSQUOTE CARD
FEATURE LIGHT BRIGHT ELITE
W BONUS NONE NONE NONE
REG FEE / REQ FREE €6.90/MO €39/MO
CASHBACK YES YES YES
NEED KYC YES YES YES
FX FEE UP TO 1.5% UP TO 1.5% UP TO 1.5%
APR / YIELD YES YES YES
CARD TYPE VIRTUAL CARD VIRTUAL AND PHYSICAL CARD VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard mastercard mastercard
BLOCKCHAIN ethereumbitcoinripple ethereumbitcoinripple ethereumbitcoinripple
REGION EUUKSWITZERLANDGLOBAL EUUKSWITZERLANDGLOBAL EUUKSWITZERLANDGLOBAL
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