Switzerland · Swiss franc

The best crypto cards in Switzerland

Switzerland sits outside the EEA, which rules out several EU-licensed cards. Bleap and ether.fi Cash are confirmed for Swiss residents; Bybit EU and Ready are not available, and most other cards are unconfirmed. Franc spending counts as foreign currency on most cards.

Verified By

Ranked for Switzerland

What you’d keep in Switzerland

Pre-set for Switzerland, where local spending in Swiss franc counts as foreign currency on most cards. Change the spend and the ranking updates.

In non-euro countries this includes local spending — lei, forint, złoty, krone, francs or pounds.

Only affects Krak, whose cashback depends on your average balance.

1
ether.fi CashBest for youReferral link
€509 cashback · −€77 fees · Free Core tier: 3% on the first $2,000 a month, but euro purchases only on the first $800. Higher tiers raise both caps.
+€432per year
2
BleapReferral link
€180 cashback · €0 fees · 1% base on up to €3,000 a month. The 3% and 20% category bonuses are not counted.
+€180per year
3
MetaMask CardReferral link
€180 cashback · −€77 fees · Free virtual card. 1% on merchants abroad; 0.5% on local spending outside the euro area. The 3% Metal tier is paused.
+€103per year
4
Wirex OneCheck availabilityReferral link
€0 cashback · €0 fees · Base earns 0.5%, but rewards can only be redeemed by holding WPAY: $7 a month per $100 of it.
€0per year
5
Crypto.com VisaCheck availability
€0 cashback · −€31 fees · Free Basic card: no rewards, 0.2% on non-euro spending in the EU and UK. Paid plans from €3.99 a month are not counted.
−€31per year
6
Nexo CardCheck availabilityReferral link
€0 cashback · −€54 fees · Cashback is paid only on borrowed spending, which costs 17.9% a year on the base tier. Its value is the credit line.
−€54per year
7
RedotPay
€0 cashback · −€373 fees · No cashback. 1% conversion on every purchase plus 1.2% FX.
−€373per year
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OKX Card
Not available in Switzerland.
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Krak Card
Not available in Switzerland.
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Bybit Card EU
Not available in Switzerland.
—
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Bitpanda Card
Not available in Switzerland.
—
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ZEN.COM Card
Not available in Switzerland.
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Net value per year, in euros. Assumes you pay the cheapest way each card allows, from euros or stablecoins — paying from BTC or ETH adds conversion spreads on most cards. Category bonuses and promotions aren’t counted. ether.fi’s dollar caps use its own euro and dollar ladders. USD fees converted at about €0.90. An estimate, not financial advice — confirm terms with the issuer. How the calculator works.

Availability in Switzerland

  1. ether.fi Cash
    3% back up to a monthly cap while your ETH keeps earning, paid in the ETHFI token. Non-custodial, no annual fee.
    +€432
  2. Bleap
    MiCA-licensed, self-custodial Mastercard with 0% FX and cashback in USDC. The natural Gnosis Pay replacement.
    +€180
  3. MetaMask Card
    Spend straight from the wallet you already use. 1% back in the mUSD stablecoin on the free card.
    +€103
  4. Wirex One Unconfirmed
    Rebuilt in 2026 as a self-custodial stablecoin app with no FX markup. Every reward, even the free 0.5%, needs WPAY to redeem.
    €0
  5. Crypto.com Visa Unconfirmed
    Still the perks king, but the free card earns nothing: rewards start with a €3.99 monthly plan and are capped.
    −€31
  6. Nexo Card Unconfirmed
    Borrow against your crypto instead of selling it. The value is the credit line, not the cashback.
    −€54
  7. RedotPay
    Huge limits and global reach, but no base cashback and about 2.2% in fees on foreign-currency spending.
    −€373
  8. OKX Card Not available
    Not offered to residents of Switzerland.
    —
  9. Krak Card Not available
    Not offered to residents of Switzerland.
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  10. Bybit Card EU Not available
    Not offered to residents of Switzerland.
    —
  11. Bitpanda Card Not available
    Not offered to residents of Switzerland.
    —
  12. ZEN.COM Card Not available
    Not offered to residents of Switzerland.
    —

Net value per year at €1,500/month with 85% foreign-currency spending. Availability verified October 22, 2026; unconfirmed means the issuer doesn’t clearly list Switzerland — check before applying.

Paying in francs: which cards avoid the markup

Switzerland sits outside the EEA, which rules out several EU-licensed cards: Bybit EU, Krak, Ready and ZEN.COM are not available, and most others do not clearly list Swiss residents. Bleap is confirmed and adds no FX markup; ether.fi Cash also ships to Switzerland but charges 0.5% on francs on its free tier. That matters because franc spending is a foreign-currency transaction on every card here. Swiss terminals also run TWINT and instant account-to-account payments, which crypto cards do not touch.

Tax when you spend crypto in Switzerland

Switzerland is the most favourable jurisdiction on this site for a private holder. The Federal Tax Administration treats gains on payment tokens held as private assets as tax-free capital gains, and losses as non-deductible, so converting crypto to francs at a till creates no income tax. Two things still apply. Crypto is subject to the cantonal wealth tax at its market value on December 31, and the administration publishes year-end tax values for the main coins. And if your trading is frequent, leveraged or large relative to your income, the tax office can reclassify you as a professional trader, at which point gains become taxable income. Rates are cantonal, so there is no single figure. The administration’s guidance covers airdrops, which are taxable income from movable assets, but says nothing about card cashback; the cautious reading is that cashback received in crypto is income at its value on receipt.

Funding a card from a Swiss bank

Euro top-ups from a Swiss account are cross-border SEPA transfers, and Swiss banks usually charge for them; sending francs to a euro card also means a conversion at your bank. Instant payments in francs have been live since August 2024 and cover most retail transactions, but only between Swiss accounts. Identity checks follow FINMA rules with a passport or ID card.

This is general information, not tax advice. Rules change and your situation may differ; check with a local adviser before relying on it.

Sources

Tax and payment facts above were read on September 26, 2026 from:

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Questions

Crypto cards in Switzerland: questions

What is the best crypto card in Switzerland?
At €1,500 a month of spending, ether.fi Cash comes out ahead in Switzerland at about €432 a year after fees. Because most local spending is in Swiss franc, cards with no FX markup gain ground in Switzerland. The best card for you depends on your spending — use the calculator on this page.
Which crypto cards are available in Switzerland?
Confirmed: ether.fi Cash, Bleap, MetaMask Card, RedotPay. Unconfirmed: Wirex One, Crypto.com Visa, Nexo Card. Not available: OKX Card, Krak Card, Bybit Card EU, Bitpanda Card, ZEN.COM Card.
Which crypto cards have no FX fees in Switzerland?
Bleap add no FX markup of their own. The card network’s exchange rate still applies.
Do I pay tax when I spend crypto with a card in Switzerland?
For a private investor, no income tax: capital gains on crypto held privately are tax-free. You still declare holdings for the cantonal wealth tax, and frequent trading can be reclassified as professional. This is general information, not tax advice.
Which crypto cards work in Switzerland?
Bleap is confirmed for Swiss residents with no FX markup on francs, and ether.fi Cash ships there with 0.5% on francs on its free tier. Bybit EU, Krak, Ready and ZEN.COM are not available, and Nexo, Wirex One and Crypto.com do not clearly list Switzerland. MetaMask does, with a 0.5% fee on francs.