How many cards can I order for my account?

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).

What are the fees for the various debit cards?

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.

Which currencies are not subject to transaction fees?

All currencies are exempt from transaction fees, whatever your package.

SWISSQUOTE CARD (ELITE)

Metal debit card with gold cashback, 24/7 concierge, Priority Pass lounge access, and travel insurance for Swissquote clients with CHF 100,000+ in assets.

Status: Active

Issued by Swissquote

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Earn 50 xCURAT points on top of card benefits when you apply through us. T&Cs apply.

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No back image available

ELITE

Self Reported

What is this?

Card Overview

Custody Type

custodial

Card Type

debit

Material

Plastic

KYC

Standard

Pros

Gold (XAU) cashback on every purchase

3 Priority Pass lounge visits/year (1,700+ lounges, 148 countries)

24/7 dedicated concierge service

5 free ATM withdrawals/month in Switzerland and abroad

FX-free on 13 currencies up to CHF 5,000/month

Travel, luggage, and medical insurance included

Premium metal card (17g)

Free tax statements and Swissquote Magazine subscription

Cons

CHF 39/month fee

Requires CHF 100,000 minimum assets to qualify

Gold cashback capped at CHF 25/month

Only 3 Priority Pass lounge visits/year (not unlimited)

0.25% FX fee above CHF 5,000/month on main currencies

Non-main currencies: Mastercard rate +1.5%

Early cancellation fee (2 months' fees if cancelled before 6 months)

Rewards & Staking

Max Cashback

0.5%/Gold XAU

On eligible purchases

Reward Token

XAU (gold)

Paid out in XAU (gold)

Staking APY

N/A

On staked assets

Reward specifics

Boost Multiplier N/A

Monthly Cap CHF 25 in gold per month

Payout Frequency N/A

Welcome Bonus N/A

Referral Bonus N/A

Bonus APR N/A

Bonus Token N/A

Staking & Requirements

Required Token N/A

Min Stake Amount N/A

Fiat Value Req N/A

Lock-up Period N/A

Downgrade Penalty N/A

ROI Calculator

What this card actually nets you: cashback earned minus the fees and FX you pay. Defaults to $1,000/month, so drag to match your spend.

Inputs

SWISSQUOTE CARD (ELITE)

Self Reported

Rates autofilled from this card

Monthly spend $1,000

Spent abroad (FX) 15%

Rates

Cashback 0% FX 0%

Net value / year

$0 / month · +0.00% effective

Effective rate

+0.00%

Break-even spend

Any spend

Cashback

FX cost

Load fee

Fees

Rewards paid in XAU (GOLD), a volatile token whose USD value can swing.

Apply for SWISSQUOTE CARD (ELITE) Full details

Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.

Supported Assets

Chains

BITCOIN

ETHEREUM

RIPPLE

Card Options

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

Fee Structure N/A

FX Fee Free up to CHF 5,000/month on 13 main currencies, then 0.25%; other currencies: Mastercard rate +1.5%

ATM Withdrawal 5 free withdrawals/month in Switzerland (then CHF 1.90), 5 free abroad (then CHF 4.90)

ATM (Domestic) N/A

ATM (Intl) N/A

Fee After Limit N/A

Inactivity Fee N/A

Top Up Fee N/A

Liquidation Fee N/A

Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit N/A

Monthly Spend Limit CHF/EUR/USD 50,000

ATM Withdrawal Limit Daily: CHF/EUR/USD 5,000; Monthly: CHF/EUR/USD 10,000

Free ATM Limit 5 free withdrawals/month (Switzerland and abroad each)

Max Balance N/A

Min Balance N/A

Top Up Limits N/A

Technical Features

Integrations

Contactless

Security

2FA Support

Biometric Auth

Card Freeze

Transaction Notifications

Dynamic CVV

Merchant Blocking

App & Usability

Spending Analytics

PIN Change in App

Spending Limits Control

Subscription Management

Budgeting Tools

Smartwatch Support

Recuring Payment Control

Dispute Filing

Receipt Capture

Split Bill

ATM Locator

Advanced & Global

Multi-currency Wallet

Crypto Auto-convert

Round-up Savings

QR Payments

Offline Mode

Carbon Tracking

Instant Card Details

Crypto Capabilities

Yield on Collateral

On-Chain History

Governance Rights

Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account No

Account Type N/A

Direct Deposit No

Bill Pay No

Instant Issuance No

Self Custody No

Dual Mode (Switch) No

Funding & Withdrawals

On Ramp

Not Available

Off Ramp

Not Available

Operations & Support

Support Channels

Support Tier N/A

Support Type phone, mobile_app, email, web_portal

Hours Monday–Friday 8:00 AM–10:00 PM CET; Elite 24/7 concierge

Dedicated Manager No

Response SLA N/A

Geographic Availability

KYC Requirements

Standard

Email ID

Required

Phone Number

Required

Government ID

Required

Home Address

Required

Bank Statements

Not Required

Geographic Availability

Available

Not available

15 countries

View country list (15 countries)

AEATBECHCYDEESFRGBGRITLIMCMTZA

Markets where this card can be used. Hover red regions for the restriction reason.

Sources & Provenance

Official · 39

39 source citations across 39 fields, captured during the latest research run.

Customer Reviews

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Quick Answers

Frequently asked questions about SWISSQUOTE CARD (ELITE)

Direct answers to the questions people ask most before they compare or apply for this card.

Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.

Swissquote

Swissquote is a Swiss online bank and trading platform offering crypto trading alongside traditional banking services, including debit card options for its account holders.