The Swissquote Mastercards® of the Bright and Elite packages are provided both in physical and digital versions, each offering their own advantages. 

The Swissquote Virtual Debit Mastercard® of the Light package is exclusively available in a digital format. It is included in a banking package that covers your daily needs and offers a simplified cashback programme compared to the Bright and Elite packages.

Clients residing in Switzerland, Liechtenstein, Italy, Austria, France, Germany, the United Kingdom, Cyprus, Spain, Malta, Monaco, the United Arab Emirates, South Africa, Greece and Belgium can benefit from a physical debit card with the Bright and Elite packages.

You can view the main differences between the Light, Bright and Elite offers on this page with our comparison table.

Yes, you can change your package at any time. Once you have ordered your new card, your current card will remain active for 30 days before being automatically deactivated.

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).

Yes, your Elite or Bright card can be added to several digital wallets:

• Add directly from the app:
  • Apple Pay
  • Google Pay
  • Samsung Pay
     
• Add manually:
  • Google SE (Fitbit)
  • Garmin Pay
  • Fidesmo (including SwatchPay)

You can add supported wallets conveniently via our app, or follow the wallet provider's instructions to add them manually.

Bitcoin, Ethereum and XRP. And that's just the beginning, whatever your package.

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.

This exemption applies exclusively to the Swissquote Elite Debit Mastercard® and covers the following currencies: CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED et SGD, up to CHF 5’000 per month. Above this threshold, a conversion fee of 0.25% per transaction applies. At weekends and on public holidays, a flat rate of 1% applies to these currencies.

For all other currencies, a surcharge of 1.5% is added to the Mastercard rate from the first transaction.

To qualify for the Swissquote Elite Debit Mastercard®, you must:

• Have a Swissquote global account
• Reside in one of the eligible countries for physical cards*
• Maintain a minimum of CHF 100'000 in total assets or the equivalent thereof in another currency when you subscribe

*Eligible countries: Austria, Belgium, Cyprus, France, Germany, Italy, Liechtenstein, Malta, Spain, Switzerland, United Kingdom, Monaco, the United Arab Emirates, South Africa

The physical card included in your Bright or Elite package will be sent to you by post, usually within three to four days. You need to activate your physical card before using it for the first time. The virtual versions of your Bright and Elite cards are available immediately.

For the Light package, the Swissquote Virtual Debit Mastercard® is activated immediately after ordering.

Yes, but as a client you enjoy a simplified account opening process thanks to our Smart Signup system (via the eBanking platform): open a Swissquote global account quickly and easily, then apply for your debit card in the Swissquote app.

You can easily view and change your PIN from your mobile or desktop Swissquote app. On your mobile, simply go to the ‘Cards’ tab, click on ‘Settings’, then ‘Manage PIN’. On your desktop, click on ’Bank’, then ‘Manage my card’ and finally ‘Manage PIN’.

First, block it immediately from the Swissquote app and request a replacement card. If you are unable to access the mobile app, you can also block your card from this page. You also have the option to contact our Customer Care Center on +41 44 825 88 84 (Bright and Light) or on +41 44 825 88 81 (Elite), from 8:00 am to 10:00 pm (CET), Monday to Friday.

Several settings exist to keep your card safe:

• Cap the amounts charged to your card and via TWINT
• Limit withdrawals from ATMs using your card
• Limit e-commerce payments using your card
• Block your card or TWINT completely

These features enable you to reduce the risk of unauthorised use of your card.

To manage your card spending limits or lock your card, go to Profile & Settings > Security Center > Spending Limits. From there, you can adjust your spending limits and lock or unlock your card as needed.

Yes, you can check your account balance at an ATM, provided your card is already activated. However, checking your balance does not activate your card. To activate your card and enable NFC, you must make a withdrawal. If you need to reset your PIN, you can validate the reset either by checking your account balance or by making a withdrawal at an ATM.

Opting for the Elite package grants you access to a set of perks, including:

• A multicurrency card with no transaction or conversion fees*
• Travel insurance and medical assistance abroad
• A cashback programme that converts your spending into investments in gold
• A dedicated 24/7 concierge service
• Access to Swissquote Privilege: complimentary subscription to Swissquote Magazine, free tax statements and 20% off purchases at Insider bar in Zurich

^{* Exempt from conversion fees up to CHF 5’000/month on: CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD. Above this: 0.25% per transaction.}

Your Swissquote Elite Debit Mastercard® comes with travel insurance and medical assistance abroad. See all of the details and conditions of your cover on this dedicated page.

Your concierge is available 24/7 to answer any questions you may have. Call them on +41 (0)22 939 22 96 or email them at conciergeservices@europ-assistance.ch. Whether you need to hire a chauffeur, send flowers or book a holiday, we can help you with it all.

Simply choose cryptocurrencies as a means of payment for your debit card in the Swissquote app. When you pay with your card, we will only sell the tokens needed to pay for your purchases. This feature is available whichever package you choose.

This offer is exclusively available with the Swissquote Elite Debit Mastercard®. For every purchase, you convert 0.5% of the amount into gold (XAU), up to a maximum of CHF 25 in gold per month.

Custody fees on the gold accrued are deducted at the beginning of each month for the previous month. If you do not wish to pay them, you can convert your gold into a foreign currency.

Trading Credit is a virtual amount with a variable value that you can use to reduce your trading costs. When you conduct online transactions, the associated brokerage fees are automatically deducted from your Trading Credit.

The Trading Credit cannot be converted into cash and cannot be used to trade cryptocurrencies or conduct currency exchanges. This credit is valid for a maximum of three months. After this time, it will expire and will no longer be available in your account, even if the credit remains unused.

You can dispute an eligible card transaction directly from your transaction history. Please note that only executed transactions, not pending ones, are eligible.

1. Navigate to Bank > Cards in your account.
2. Select the transaction you wish to dispute.
3. Click “Dispute” to start a conversation with our virtual agent.
4. Follow the instructions and provide the requested information.

Once submitted, your case will be reviewed by our team.

The virtual agent can only be used to dispute transactions that meet all the following criteria:

• Debit card transactions
• Transactions linked to the primary cardholder
• Transactions that are available in your transaction history and eligible for dispute

Some transactions may not qualify for dispute based on card scheme rules and authentication methods.

The self-service dispute tool is only available for transactions made within the last 30 days.

If the transaction is older than 30 days, please contact our support team for assistance.

Please note that disputes remain subject to card scheme deadlines and cannot be raised indefinitely.

Yes. Transactions can be disputed for up to 540 days from the transaction date, subject to applicable card scheme rules.

After this period, the transaction can no longer be disputed.

No. Only the primary cardholder can submit a dispute through the virtual agent.

Transactions made using a co-owner's card cannot be reported through this channel.

No. Transactions authenticated with 3D Secure (3DS) cannot be reported as fraud through the dispute process because strong customer authentication serves as proof of authorisation.

However, you may still be able to dispute the transaction for merchant-related reasons, such as:

• Goods not received
• Goods not as described
• Service-related issues