57 Best Crypto Cards in Switzerland 2026

What to Know Before Using Crypto Cards in Switzerland

Tax

Private Capital Gains Are Tax-Free

Most individuals do not pay tax on profits from selling or spending crypto, provided they aren't classified as professional traders.

Tax

Mandatory Annual Wealth Tax

You must declare your total crypto holdings every year for wealth tax, using official year-end exchange rates set by the government.

Regulation

Strict Self-Custody Verification

Swiss regulations often require you to technically prove you own an external wallet before a bank or exchange will allow transfers to it.

Restriction

CHF 1,000 Anonymous Exchange Limit

Identity verification is mandatory for crypto-to-fiat exchanges exceeding CHF 1,000, a much lower threshold than in many other countries.

Tax

Staking and Mining are Income

Unlike capital gains from trading, any rewards earned from staking or mining are treated as taxable income the moment you receive them.

Banking

CHF 20k Instant Transfer Cap

While Swiss instant payments are fast, they are typically capped at CHF 20,000 per transaction, which may affect large card top-ups.

Common Questions About Crypto Cards in Switzerland

1 Do I have to pay tax every time I buy coffee with my crypto card?

Generally, no. For most people in Switzerland, capital gains on private assets are tax-free. As long as you aren't trading crypto as a main source of income or using high leverage, the 'sale' of crypto at the checkout doesn't trigger an income tax bill.

2 Why is my Swiss bank asking for proof that I own my hardware wallet?

Swiss financial regulators have strict rules to prevent money laundering. Regulated institutions must verify that an external wallet actually belongs to their customer before sending or receiving funds, often requiring a technical signature or a screenshot of the wallet setup.

3 What happens if I hold my crypto for less than six months?

While there is no fixed law, holding for at least six months is one of the 'safe harbor' rules used to prove you are a private investor. If you frequently buy and sell in shorter periods, tax authorities might classify you as a professional trader, making all your gains taxable as income.

4 Do I need to report my crypto if I haven't sold any?

Yes. Even if you just 'hold' and never spend, you must declare the value of your crypto on your annual tax return. This is for the Swiss wealth tax, which is calculated based on the total value of all your assets at the end of the year.

5 Can I use a crypto ATM in Switzerland without an ID?

Only for very small amounts. Since 2021, any crypto exchange or ATM transaction over CHF 1,000 requires full identity verification. Many operators may even set lower limits to stay compliant with Swiss anti-money laundering laws.

Country-specific information last researched on February 13, 2026 . Regulations and policies can change — always verify with your card provider and local tax authority.

Top-Rated Cards in Switzerland

Top-Rated Card Details

Ether.Fi Cash Card

4.6⭐

Ether.fi Cash is a non-custodial Visa credit card for DeFi users seeking spending power without selling crypto.

Ready Card

4.6⭐

The Ready Metal Card is a premium self-custodial Mastercard debit card for spending crypto while retaining asset control. Crypto stays in your wallet until each payment, ensuring complete financial autonomy.

Kolo Card

4.1⭐

Kolo Card is a crypto debit card that lets users spend cryptocurrencies, including memecoins, at merchants worldwide that accept Visa or Mastercard. Designed for crypto enthusiasts, it features automatic real-time crypto-to-fiat conversion for everyday purchases.

PAYY Card

4⭐

PAYY Card is a crypto-enabled Visa credit card that lets users spend stablecoins (USDC) directly at merchants while maintaining privacy through zero-knowledge proofs on the Payy Network blockchain. The self-custodial model gives users full control of their funds via the PAYY Wallet app.

Gnosis Pay Card

4⭐

The Gnosis Pay Card is a self-custodial Visa debit card that connects directly to a Safe Smart Account on the Gnosis Chain blockchain. Users maintain complete control of their crypto assets while spending at any Visa-accepting merchant worldwide.

COCA Card

3.9⭐

COCA Card is a prepaid Mastercard offering high crypto cashback rewards and global spending flexibility. Issued via Wirex on the Mastercard network, it supports multiple stablecoins and requires pre-loading with funds converted to EUR.