Swissquote
Swissquote is a bank card issued on Mastercard, rated 5.9/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Swissquote is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Swissquote · bank card |
| Official site | https://www.swissquote.com |
| Best for | App Store / Play · Free issuance |
| Network | Mastercard |
| Rating | 5.9/10 (3.0★, 731 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Light virtual free / Bright CHF 6.90 per mon… ··· |
| Monthly / annual fee | CHF 0 (Light) / CHF 6.90 (Bright) / CHF 39 (Elite) |
| FX / conversion fee | 0.95% on 13 currencies |
Verification and risk
| KYC required | yes (Swissquote bank account) |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | yes (BTC/ETH/XRP for card payments) |
| Bank transfer | yes (29-currency IBAN) |
| Alipay / WeChat Pay | no |
| Cards per account | Multiple |
Billing
| Billing address | Switzerland |
| Billing country | Switzerland |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 224329 | Mastercard | Switzerland | Debit | 134 | 94 | 70.1% |
We logged 94 cleared charges out of 134 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Mastercard virtual cards
Frequently asked
What does Swissquote cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is CHF 0 (Light) / CHF 6.90 (Bright) / CHF 39 (Elite); conversion is priced at 0.95% on 13 currencies. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Swissquote?
Swissquote asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: yes (Swissquote bank account)
How can I fund Swissquote?
You can fund it with crypto (BTC/ETH/XRP for card payments), bank transfer (29-currency IBAN). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Swissquote need?
Setting it up: the billing address type is Switzerland; cards are issued against Switzerland; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Swissquote work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Swissquote trigger 3-D Secure?
Yes. Swissquote supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Swissquote?
Swissquote allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.