Multi-Currency Credit Card


12 currencies. 0 transaction fees*

Globetrotters, the world is waiting for you.
We take care of your transaction fees.

One card

One card. One trading account. Full flexibility.
And of course, we have all your questions covered.

All you need to know

Up to 1% Trading Credit

Depending on the type of card you are holding, receive quarterly 0.5% or 1% or your expenses.


Your advantages

No transaction fees in the 12 currencies, no fees* for holding the card during the first year. Everything else you need to know is in the table below.

  Silver Gold
Annual fees 0 (first year)
then 100 CHF, EUR, USD
0 (first year)
then 200 CHF, EUR, USD
Trading Credit 0.5% 1%
Travel Insurance - Yes (for Swiss residents)

*No transaction costs for currencies included in the card. Annual fee applies from the 2nd year. See the fee schedule and the General Terms & Conditions for more information.


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All you need to know about our new multi-currency credit card

How do I use my multi-currency credit card?

When making purchases in a currency which is included in the multi-currency card there are no additional fees.

If you already have money in the dedicated currency, the amount you paid will be debited from your current balance at the 1st day of the following month.

If this is not the case, there is no need to worry. At the 1st working day of each month the amount due will be debited from your most funded currency by applying the day’s advantageous Swissquote exchange rate*.

If you wish to do the conversion yourself, you can still do so until the 1st working day of the following month.

When making purchases in a currency which is NOT included in the multi-currency card, we will debit your account in your card's reference currency and fees will apply (1.5%).

*This only applies if you have the Forex Reconciliation option activated in your trading account. This option is activated by default. If you deactivated the Forex Reconciliation option, the debit interest rates will apply.

How do I get trading credits?

Each time you make a purchase with your card, you get 0.5%/1% of the expense in trading credits added to your account. The trading credits will appear at the beginning of the quarter for all purchases made in the previous quarter. A trading credit is valid for three months.

How is my monthly limit calculated?

A margin is blocked in your trading account, in accordance with the limit defined for your credit card.

The limit is calculated in your reference currency (e.g. CHF). If your limit is CHF 5,000, you need to have CHF 5,000 on your account or enough money in other currency to reach the CHF equivalent. For example, the limit of CHF 5,000 can be reached by having CHF 4,000 CHF and GBP 743 (= CHF 1,000). However, if the result of GBP exchange rate transaction does not equal CHF 1,000, the account needs to be topped up further until it does match the limit.


Can I withdraw money in foreign countries?

Yes, a fee of 3.5% or a min. of CHF 5 (or equivalent amount) will be charged. If you withdraw money in a currency you don’t currently own, the same fees apply.

If your local currency amount is negative and you deactivated the Forex Reconciliation option of your trading account the debit interest rates will apply.

FAQ – Prepaid & Credit Cards


  • You can order a Silver or a Gold multi-currency credit card with a trading account only.
  • You can order a prepaid card with a Forex, Trading and Saving account

How do I activate my payment card?



How does the contactless system work?



What is the difference between an authorization and a transaction?







Payment Card Service Helpdesk

In case of problems with your card
Tel. +41 58 721 93 93 (24/7)