AstroPay vs Swissquote Card
In our editorial rating Swissquote Card leads (4.3 vs 3.7). The choice depends on your real spending profile: redo the math with your volumes before picking between AstroPay and Swissquote Card.
| AstroPay | Swissquote Card | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.7 | ★ 4.3 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | dedicato | — |
| Multi-currency | Yes · 10 currencies | CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD |
| Outbound transfers to third-party IBANs | Yes | — |
| Utility direct billing | No | — |
| SEPA direct debit (SDD) | No | — |
| On-chain crypto withdrawal | Yes | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | LATAM, EEA, APAC · 36+ countries | EEA, UK |
| Regulator | FCA / IOM FSA / Central Bank of Brazil | FINMA (Swiss Financial Market Supervisory Authority) |
| OAM Italy registration | No | — |
| Segment | B2C | B2C |
| Deposit guarantee | — | altro |
| Network | — | Mastercard |
| Regions | LATAM, EU/EEA, APAC | EU/EEA, UK |
| Licences & safety | EMI (UK) + VASP (IOM) + PI (Brazil) | Licenza bancaria FINMA (Swissquote Bank SA) |
Frequently asked questions
AstroPay vs Swissquote Card: which is better?
In our editorial rating Swissquote Card leads (4.3 vs 3.7). The choice depends on your real spending profile: redo the math with your volumes before picking between AstroPay and Swissquote Card.
Which is cheaper, AstroPay or Swissquote Card?
On the standard spending profile AstroPay has the lowest net annual cost: €0 versus €0 for Swissquote Card.
Is AstroPay custodial or self-custody?
AstroPay is custodial: funds are held by the platform, while Swissquote Card is custodial.
Which is better for spending abroad?
For foreign-currency spending AstroPay wins, with the lowest FX markup: 0%.