<p><strong>SwissBorg is a crypto app developed in Switzerland that operates in the EU through the French company BlockNodes SAS, authorised under MiCA by the regulator AMF since March 5, 2026.</strong> If you save €100 a month with the automatic savings plan Auto-Invest, you pay 0.99 percent according to the <a href="https://swissborg.com/legal/pricing-policy" rel="noopener noreferrer nofollow">price list</a> (as of October 8, 2026), or €11.88 a year. If you fund your account by card instead of bank transfer, it costs you at least €5 per deposit on the Standard tier. For this guide we analysed the price list, the regulatory register and user reviews. How other savings plans compare is shown in our <a href="https://cryptoticker.io/en/comparison/buy-bitcoin-with-savings-plan/" rel="noopener noreferrer nofollow">Bitcoin savings plan comparison</a>.</p>
<h2 id="swissborg-in-brief-the-key-figures">SwissBorg in brief: the key figures</h2>
<ul>
 <li>The AMF lists BlockNodes SAS, operator of the SwissBorg app, under number A2026-011 dated March 5, 2026.</li>
 <li>Buying and selling cost 0.99 percent on all tiers, with €5 to €120,000 possible per swap (as of October 8, 2026).</li>
 <li>Auto-Invest starts at €5 and runs at intervals from 30 minutes to one month (as of November 4, 2026).</li>
 <li>Card deposits cost 2.25 percent on the Standard tier, with a minimum of €5; SEPA transfers are free (as of October 8, 2026).</li>
 <li>Bitcoin withdrawals cost 0.1 percent, at least €1.61 and at most €100, plus the network fee (as of October 8, 2026).</li>
 <li>SwissBorg reports 922,600 verified users and customer assets of $1.19 billion (as of November 4, 2026).</li>
</ul>
<h2 id="what-is-swissborg-app-borg-token-and-savings-plan">What is SwissBorg? App, BORG token and savings plan</h2>
<p>SwissBorg combines crypto purchases, automatic saving and yield products in a single app. The application is owned by the Swiss company SBorg SA; in the EU, since the switch to MiCA, it has been operated by BlockNodes SAS in France. The company <a href="https://swissborg.com/blog/swissborg-is-fully-mica-compliant-welcome-home-europe" rel="noopener noreferrer nofollow">moved existing customers there from Estonia in June 2026</a>.</p>
<p>The offering ranges from simple swaps through limit orders and Auto-Invest to Crypto Bundles, ready-made baskets of several coins. On top come Earn, for returns on coins you hold, and a Mastercard card. According to the provider, a technology called Smart Engine finds the best route across several trading venues for each order.</p>
<p>One distinctive feature is the in-house BORG token. Locking it in the app moves you up the loyalty tiers from Standard through Bronze, Silver, Gold, Platinum and Diamond to Elite. Cashback, card fees and Earn deductions depend on your tier.</p>
<figure><img src="https://cryptoticker-strapi-media.s3.eu-central-1.amazonaws.com/swissborg_erfahrungen_2_f92dd596dd.webp" alt="Illustration: seven metal bars forming an ascending staircase on dark stone, from bronze to platinum" width="1920" height="1080">
 <figcaption>
  The loyalty tier determines cashback, card fees and Earn deductions. Illustration, AI-generated
 </figcaption>
</figure>
<h2 id="swissborg-fees-the-price-list-by-loyalty-tier">SwissBorg fees: the price list by loyalty tier</h2>
<p>The <a href="https://swissborg.com/legal/pricing-policy" rel="noopener noreferrer nofollow">price list of BlockNodes SAS</a> (as of October 8, 2026) tiers many items by rank. The table shows the entry level and the top.</p>
<table>
 <thead>
  <tr>
   <th>Item</th>
   <th>Standard tier</th>
   <th>Top tiers</th>
  </tr>
 </thead>
 <tbody>
  <tr>
   <td>Buy, sell and Auto-Invest</td>
   <td>0.99 percent</td>
   <td>0.99 percent</td>
  </tr>
  <tr>
   <td>Cashback on this fee, in BORG</td>
   <td>up to 5 percent</td>
   <td>up to 90 percent (Elite), up to 99 percent on swaps (Elite Top 10)</td>
  </tr>
  <tr>
   <td>SEPA deposit</td>
   <td>free</td>
   <td>free</td>
  </tr>
  <tr>
   <td>Deposit by card, Apple Pay, Google Pay</td>
   <td>2.25 percent, minimum €5</td>
   <td>1.5 percent, minimum €3</td>
  </tr>
  <tr>
   <td>SEPA withdrawal</td>
   <td>0.1 percent, €1.50 to €100</td>
   <td>0.1 percent, €1.50 to €100</td>
  </tr>
  <tr>
   <td>Bitcoin withdrawal</td>
   <td>0.1 percent, €1.61 to €100, plus network fee</td>
   <td>0.1 percent, €1.61 to €100, plus network fee</td>
  </tr>
  <tr>
   <td>Crypto Bundles, buy and sell</td>
   <td>1.49 percent</td>
   <td>0.25 percent</td>
  </tr>
  <tr>
   <td>Crypto Bundles, monthly on holdings</td>
   <td>0.12 percent</td>
   <td>0.10 percent</td>
  </tr>
 </tbody>
</table>
<p>SwissBorg pays the cashback in locked BORG and reserves the right to change it. The displayed price also contains an adjustment for market liquidity for which the price list gives no fixed rate: it varies with volatility, coin and order size, and BlockNodes may keep the portion that exceeds the margin it needs.</p>
<h2 id="swissborg-auto-invest-worked-through-100-a-month">SwissBorg Auto-Invest worked through: €100 a month</h2>
<p>The calculation assumes twelve instalments of €100 each in Bitcoin, €1,200 a year in total, on the Standard tier (price list, as of October 8, 2026). The money has to be in the app for this. SwissBorg <a href="https://swissborg.com/fr/auto-invest" rel="noopener noreferrer nofollow">recommends a standing order</a> at your bank; the Auto-Invest fee already includes the normal swap.</p>
<table>
 <thead>
  <tr>
   <th>Route</th>
   <th>Cost per month</th>
   <th>Cost over 12 months</th>
  </tr>
 </thead>
 <tbody>
  <tr>
   <td>SEPA standing order plus Auto-Invest</td>
   <td>€0.99</td>
   <td>€11.88</td>
  </tr>
  <tr>
   <td>Card deposit plus Auto-Invest</td>
   <td>€5.99</td>
   <td>€71.88</td>
  </tr>
 </tbody>
</table>
<p>The difference comes from the minimum fee. 2.25 percent of €100 would be €2.25, but a minimum of €5 applies. Only from €222 per deposit does the percentage rate kick in. For small instalments, bank transfer therefore remains by far the cheaper route.</p>
<p>Of the first item, up to €0.59 a year comes back as cashback in BORG, with no guarantee. On the other tiers the rate rises to up to 90 percent, but you have to lock BORG and carry its price risk. If you move the Bitcoin to your own wallet after a year, you pay the minimum fee of €1.61 once, plus the network fee, because 0.1 percent of €1,200 would come to only €1.20.</p>
<h2 id="swissborg-earn-what-is-left-of-the-yield-after-two-deductions">SwissBorg Earn: what is left of the yield after two deductions</h2>
<p>With <a href="https://swissborg.com/fr/earn-crypto" rel="noopener noreferrer nofollow">Earn</a>, SwissBorg offers daily returns on coins you hold and shows estimated annual rates. Most strategies lock the coins for at least 24 hours, some for longer. Entering and exiting is free. According to the price list, two items are deducted from the yield in turn: a performance fee, usually 15 percent, and a service fee that depends on your tier (as of October 8, 2026). With a 15 percent performance fee, this is what remains of €100 in gross yield:</p>
<table>
 <thead>
  <tr>
   <th>Tier</th>
   <th>Service fee</th>
   <th>Left of €100</th>
  </tr>
 </thead>
 <tbody>
  <tr>
   <td>Standard</td>
   <td>50 percent</td>
   <td>€42.50</td>
  </tr>
  <tr>
   <td>Bronze</td>
   <td>37.5 percent</td>
   <td>€53.13</td>
  </tr>
  <tr>
   <td>Silver</td>
   <td>25 percent</td>
   <td>€63.75</td>
  </tr>
  <tr>
   <td>Gold</td>
   <td>12.5 percent</td>
   <td>€74.38</td>
  </tr>
  <tr>
   <td>Platinum, Diamond, Elite</td>
   <td>0 percent</td>
   <td>€85.00</td>
  </tr>
 </tbody>
</table>
<p>The price list also expresses this gap as a yield factor: up to 2x compared with the Standard tier, in other words €85.00 against €42.50. If you mainly want to use Earn without BORG, it is best to compare the rate in the app with other providers in our <a href="https://cryptoticker.io/en/comparison/best-staking-rewards-platforms/" rel="noopener noreferrer nofollow">staking comparison</a>.</p>
<figure><img src="https://cryptoticker-strapi-media.s3.eu-central-1.amazonaws.com/swissborg_erfahrungen_3_2b00f0da1a.webp" alt="Illustration: a woven steel-wire basket on a dark table, filled with coins made of different metals" width="1920" height="1080">
 <figcaption>
  Crypto Bundles combine several coins in one basket, with their own fee on holdings. Illustration, AI-generated
 </figcaption>
</figure>
<h2 id="is-swissborg-regulated-the-mica-licence-of-blocknodes-sas">Is SwissBorg regulated? The MiCA licence of BlockNodes SAS</h2>
<p>Yes. The <a href="https://www.amf-france.org/fr/espace-epargnants/proteger-son-epargne/listes-blanches/psca/blocknodes-sas" rel="noopener noreferrer nofollow">AMF list</a> shows BlockNodes SAS with number A2026-011 dated March 5, 2026, and six services: custody and administration, execution of orders, placing, advice, portfolio management and transfers. <a href="https://www.esma.europa.eu/esmas-activities/digital-finance-and-innovation/markets-crypto-assets-regulation-mica" rel="noopener noreferrer nofollow">ESMA’s MiCA register</a> lists it under the SwissBorg brand and names Germany among the states in which the authorisation applies (as of November 4, 2026).</p>
<p>At SwissBorg, coins are held in third-party custody: according to the <a href="https://swissborg.com/fr/blog/conservation-crypto-comment-swissborg-conserve-vos-cryptos" rel="noopener noreferrer nofollow">company blog</a>, BlockNodes runs an infrastructure with distributed keys (MPC), supervised by the AMF. If you want to hold the keys yourself, transfer the coins to your own wallet.</p>
<h2 id="swissborg-user-reviews-a-wide-range-of-ratings">SwissBorg user reviews: a wide range of ratings</h2>
<p>The sources differ markedly (as of November 4, 2026):</p>
<table>
 <thead>
  <tr>
   <th>Source</th>
   <th>Rating</th>
   <th>Reviews</th>
  </tr>
 </thead>
 <tbody>
  <tr>
   <td><a href="https://apps.apple.com/fr/app/id1442483481" rel="noopener noreferrer nofollow">App Store France</a></td>
   <td>4.6 out of 5</td>
   <td>5,351</td>
  </tr>
  <tr>
   <td><a href="https://apps.apple.com/de/app/id1442483481" rel="noopener noreferrer nofollow">App Store Germany</a></td>
   <td>4.5 out of 5</td>
   <td>803</td>
  </tr>
  <tr>
   <td><a href="https://play.google.com/store/apps/details?id=com.swissborg.android" rel="noopener noreferrer nofollow">Google Play</a></td>
   <td>4.4 out of 5</td>
   <td>15,524</td>
  </tr>
  <tr>
   <td><a href="https://de.trustpilot.com/review/swissborg.com" rel="noopener noreferrer nofollow">Trustpilot</a></td>
   <td>3.0 out of 5</td>
   <td>1,911</td>
  </tr>
 </tbody>
</table>
<p>The 100 most recent reviews with text in the French App Store, from June 26, 2025 to October 22, 2026, average 3.6 stars: 57 with five stars, 23 with one. 32 comments praise the ease of use, with an average of 4.7 stars. 17 mention fees or prices (average 3.5 stars), 15 customer service (average 2.5 stars). The most frequent complaint in the poor reviews is blocked accounts, transfers or withdrawals: 14 comments, according to the users. Among the five-star reviews, 6 promote their own referral code.</p>
<h2 id="who-swissborg-suits-savings-plans-across-several-coins">Who SwissBorg suits: savings plans across several coins</h2>
<p>SwissBorg suits investors who want to save into other coins alongside Bitcoin and keep everything in one app. In the calculation above, Auto-Invest costs less than Bitstack and Deblock as long as the money arrives by bank transfer. Locking BORG brings cashback and better Earn terms, but you carry the price risk of an additional token.</p>
<p>If you are looking for an everyday account with an IBAN, or want to save exclusively in Bitcoin, you will find a narrower offering among the alternatives.</p>
<h2 id="swissborg-alternatives-bitstack-deblock-and-regulated-exchanges">SwissBorg alternatives: Bitstack, Deblock and regulated exchanges</h2>
<p>The same calculation over twelve instalments of €100 gives different figures for the two French-licensed competitors. The table shows the stated fees according to <a href="https://www.bitstack-app.com/abonnements" rel="noopener noreferrer nofollow">Bitstack’s subscription page</a> and <a href="https://deblock.com/fr/abonnements" rel="noopener noreferrer nofollow">Deblock’s pricing page</a> (both as of November 4, 2026), each on the free plan, without mark-ups in the price.</p>
<table>
 <thead>
  <tr>
   <th>Provider and plan</th>
   <th>Fee per €100</th>
   <th>Cost over 12 months</th>
   <th>AMF number</th>
  </tr>
 </thead>
 <tbody>
  <tr>
   <td>SwissBorg, Auto-Invest</td>
   <td>€0.99</td>
   <td>€11.88</td>
   <td>A2026-011</td>
  </tr>
  <tr>
   <td>Bitstack Standard with euro account (France)</td>
   <td>€1.50</td>
   <td>€18.00</td>
   <td>A2025-003</td>
  </tr>
  <tr>
   <td>Deblock Standard</td>
   <td>€1.99</td>
   <td>€23.88</td>
   <td>A2025-001</td>
  </tr>
  <tr>
   <td>Bitstack Standard without euro account (Germany)</td>
   <td>€2.20</td>
   <td>€26.40</td>
   <td>A2025-003</td>
  </tr>
 </tbody>
</table>
<p>If you prefer a traditional exchange with a savings plan, take a look at <a href="https://cryptoticker.io/en/kraken/reviews/" rel="noopener noreferrer nofollow">Kraken</a> or <a href="https://cryptoticker.io/en/coinbase-saving-plan/reviews/" rel="noopener noreferrer nofollow">Coinbase</a>. More exchanges with an EU licence are listed in our <a href="https://cryptoticker.io/en/comparison/best-regulated-exchange/" rel="noopener noreferrer nofollow">comparison of regulated crypto exchanges</a>, and fees and intervals of further savings plans in the <a href="https://cryptoticker.io/en/crypto-savings-plans-compared-fees-instalments/" rel="noopener noreferrer nofollow">crypto savings plan comparison</a>.</p>
<p>For tax purposes in Germany, the purchase date and holding period of each individual instalment count, and Earn income can raise questions of its own. What a sale would incur is calculated by our <a href="https://cryptoticker.io/en/crypto-tax-calculator/" rel="noopener noreferrer nofollow">tax calculator</a>. This section is not tax advice.</p>
<h2 id="swissborg-verdict-0-99-percent-when-the-instalment-arrives-by-sepa">SwissBorg verdict: 0.99 percent when the instalment arrives by SEPA</h2>
<p>With Auto-Invest, SwissBorg offers a broad savings plan under a MiCA licence, from €5 and at an interval of your choice. At €100 a month, the fees come to €11.88 a year as long as deposits arrive by SEPA. By card, it is €71.88. With Earn, it pays to check your tier: on the Standard level, €42.50 is left of €100 in gross yield.</p>
<p>Crypto assets are highly volatile, and a total loss of the amount invested is possible. This guide is not investment advice and not a recommendation to buy.</p>
<p><em>(As of November 4, 2026. This article is not investment advice. Prices and fee structures change; check the terms with the provider before you buy.)</em></p>

SwissBorg review: Auto-Invest costs 0.99 percent

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