Swissborg Review 2026: Strengths And Drawbacks

Looking for a clear verdict on a Swiss crypto app? This SwissBorg review sets out to evaluate the service in 2026, focusing on the user experience, the true exchange fee you pay, and whether the platform’s tools justify the costs. The company operates a large crypto hub with a wide choice of assets and several investing conveniences.

Disclosure: Some of the links mentioned may be affiliate links.

Curious if this Swiss platform is worth using for crypto in 2026? We dig into features, pricing, safety, and how it compares with other providers so you can decide with confidence.

By the time you finish, you will be able to judge whether SwissBorg fits your approach to cryptocurrencies and long-term holdings.

About SwissBorg

• Custody fees — 0%
• Management fees — 0% for basic holdings; applies to bundles and managed portfolios
• Inactivity fees — 0 CHF
• Costs to buy crypto — roughly 0.50% to 1.49%
• Languages — English, French, German, Italian
• Mobile app — Available
• Web access — Not offered
• Custodian — SwissBorg
• Founded — 2018
• HQ — Lausanne, Switzerland

As a Swiss-built app, the service lets you purchase, sell, and manage cryptocurrencies from your phone. More than fifty assets are accessible, with staples such as bitcoin and ETH plus other coins. Updates land frequently, adding tools for the 2025–2026 cycle.

The project was started in Lausanne in 2017 by Cyrus Fazel and Anthony Lesoismier and later expanded operations to places like Estonia and Portugal. The reach now spans dozens of countries, and by 2024 the user base exceeded one million accounts—evidence of fast adoption across the SwissBorg community.

One detail many miss: business accounts are supported, which shows how crypto apps have evolved toward bank-like capabilities over the last few years.

This review covers the key investing features, the fee architecture, and a comparison against several mainstream alternatives.

Editor’s note: Feature depth for everyday investors — 5/5.

The heart of the product is the ability to swap currencies. You can go from traditional money to crypto, or move between coins. Market orders are standard; a limit order option is rolling out in beta for those who prefer price boundaries. Personally, I tend to place market orders, but it is useful that limits exist.

Automated investing is also built in. Set rules, pick a schedule, and the app executes purchases for you—even daily—great for dollar-cost averaging and hands-off routines.

Another advanced capability is staking. In practice, that means delegating or lending tokens to earn a yield. Some protocols, like Ethereum, use validators who stake as part of the chain’s design, which usually implies lower technical risk. In contrast, lending to third-party programs may involve larger risks, so only proceed if you understand the trade-offs.

Bundles act like a mini-portfolio of assets. You purchase a slice of the bundle and the app allocates across its parts; afterward, allocations get rebalanced monthly. Current bundle themes include:

• The most prominent coins — Best blockchains
• Tokens tied to lending and DEXs — DeFi
• Humor-driven speculative picks — Meme Coins
• In-game and metaverse plays — Gaming

Even without deep crypto expertise, the Best Blockchains lineup looks like a reasonable starter mix, though some weightings may surprise beginners. Note that these bundles are not market-cap weighted indices; they follow a trend-driven reallocation model, which makes them closer to an actively managed product than a passive index. The refresh happens about once per month.

Bundles are an approachable entry point and bring instant diversification, yet they are closed baskets. You cannot extract single tokens directly; to hold coins separately or withdraw them one by one, you must sell the basket first and repurchase specific assets. As discussed later, bundles add an extra management charge.

Starting in 2025, managed portfolios became available after the company obtained permissions to manage client assets. The idea resembles a robo-advisor for crypto.

To enroll, you complete a risk survey—very similar to questionnaires at traditional financial services, with figures adapted to the crypto context.

Profiles available at the moment are Conservative, Moderate, and Growth. If the assessment places you in Conservative, the app suggests skipping managed portfolios. Moderate and Growth have a dedicated product, each covering up to six coins, and the allocation can change as often as daily under the manager’s discretion.

These features mirror what banks offer: moving from single coin picks to full portfolios. Still, not everything from banking translates into customer value, and I remain cautious regarding frequent active shifts in a volatile market.

For typical users, the app supplies the essentials and more: straightforward fiat-to-crypto purchases, crypto-to-crypto swaps, automated schedules, staking options, and themed bundles. My own usage would likely center on direct buys of bitcoin or ETH and, perhaps, a bundle for diversification.

Before we break down pricing, a quick word on BORG. This is the platform’s native token (formerly CHSB, renamed in 2023). It exists on Ethereum and Solana networks and adds utility inside the ecosystem.

Locking BORG unlocks premium account tiers and thus influences the exchange fee you end up paying when trading.

Beyond that, holders can vote on certain decisions regarding the token’s direction and platform evolution, which helps build a tighter user community around SwissBorg.

Costs matter for every investor. Bank transfers for fiat deposits are free, while card top-ups carry charges that taper from the mid-single digits down to around one and a half percent; a plain wire is the economical route.

The main price component is the exchange fee when converting one currency into another (e.g., CHF to bitcoin). Premium tiers tied to BORG staking reduce that fee.

Account tiers include the following:

• Default level — Standard
• First premium step (lock 500 BORG) — Explorer
• Next premium step (lock 2,000 BORG) — Community
• Higher tier (lock 7,000 BORG) — Pioneer
• Top tier (lock 20,000 BORG) — Generation

A prior “Genesis” level existed but new upgrades to it have been closed since early 2022. Each step lowers trading costs and increases staking boosts.

Indicative trading fees by tier:

• Standard — about 1.49%
• Explorer — about 1.0%
• Community — near 0.75%
• Pioneer — roughly 0.75% plus higher yield boosters
• Generation — around 0.50%

While those percentages may look higher than some rivals, order routing is designed to minimize price impact. With nearly no spread on typical size, the visible fee becomes close to all-in. When you benchmark rivals, remember that lower stated fees can be offset by wider spreads from their venues or books.

For frequent traders, a premium rank often pays for itself quickly. Locking a small amount of BORG for Explorer trims the fee by about a third. If you plan to trade multiple cryptocurrencies, moving to Community can make sense. Generation requires significant BORG and suits heavy users.

Holding assets on the platform does not incur a custody fee. One notable exception exists: bundles. Those have an ongoing management cost of 0.12% per month, or 0.10% if you are in the Generation tier—translating to roughly 1.2%–1.44% annually. Doing a simple DIY basket with a low-frequency rebalance could be cheaper, though crypto volatility makes that harder in practice.

Managed portfolios use an activity-based structure. Each reallocation triggers a small fee—around 0.075% for most tiers and 0.05% at Generation. Only the portion actually shifted is charged, and beyond ten changes in a month, further moves in that period are not charged additional fees.

In an extreme scenario where the manager rotates the entire holding ten times in a month, the cost could stack up to about 0.75% for that month. That level of turnover is unlikely, but the uncertainty is worth highlighting. There is also an early exit charge of about 1.5% if you liquidate within the first year.

For fiat withdrawals, you pay around 0.1% with both a minimum and maximum per currency. As an example, withdrawing CHF will trigger at least 5 CHF and at most 110 CHF. Crypto withdrawals carry approximately 0.1% plus the network gas fee, which covers blockchain processing.

Charging for on-chain withdrawals makes sense due to network costs; charging for bank transfers is less appealing, as many services cover that.

On balance, the pricing is competitive once you account for the near-zero spread achieved through meta-exchange-style routing. Bundle management feels pricey, and paying for fiat withdrawals is a downside. Premium tiers can materially improve the exchange fee for active users.

Security should be a top priority in crypto. The company holds a Virtual Currency Service License in Estonia and is registered as a Digital Asset Service Provider in France. There is no FINMA license at the moment, largely because the relevant Swiss fintech license arrived after the company launched and because operating across Europe is smoother under EU-aligned permissions.

Customer funds are segregated from corporate funds—an essential safeguard not universal across all platforms.

You can move assets to your own wallets, including hardware devices, which remain one of the safest places to store crypto. The ability to withdraw proves assets are not just book entries. I would avoid any service that blocks outbound transfers.

There have been no publicly known security incidents connected to the platform to date. Overall, the safeguards are robust and compare favorably with other providers.

For testing, I funded a corporate account and treated the position as an alternative allocation: roughly eighty percent in bitcoin and the remainder in ETH. I am not planning frequent trades; this is more of a long-term check of the workflow.

Funding via bank transfer was straightforward and posted the same day for me.

To buy BTC with CHF, I opened the CHF balance, tapped Exchange, and selected bitcoin as the target. You can enter the amount in CHF, EUR, or the coin’s units, which makes allocations easy.

A preview shows the live rate, the minimal price impact, and the exact fee, along with the quantity you will receive. Confirming places a market order.

After submission, a confirmation summarizes the executed price and the fee paid. You can optionally start staking from there, provided you understand the risks.

I repeated the process for ETH, and the portfolio view reflected both positions.

The interface is clean and predictable, making basic crypto actions simple. I may move coins to a hardware wallet later, but I am comfortable with the current safeguards.

To put pricing and features into context, here are comparisons with a few well-known services. This is not an exhaustive roundup, but it should help frame SwissBorg’s position.

Swissquote is primarily a stock broker that added crypto. Its trading fee scales around 1% below CHF 10k, roughly 0.75% below CHF 50k, and around 0.4% above that. It routes via SQX to seek tighter pricing, likely keeping spreads lower than average.

Withdrawals of crypto carry a flat dollar fee (about $10–$15 depending on token). There is also a quarterly custody charge that can total up to approximately CHF 200 per year. Versus SwissBorg, headline fees can look lower unless you reach higher premium ranks; however, the effective cost also depends on spread.

Both platforms allow withdrawals to external wallets and are regulated, albeit in different frameworks. Feature-wise, SwissBorg is more crypto-focused: more than one hundred coins, auto-invest rules, and bundles, while Swissquote offers around forty-plus assets and fewer crypto-native tools.

In short, SwissBorg is richer in crypto utilities; Swissquote can be cost-competitive for certain trade sizes but with fewer investing conveniences.

Interactive Brokers offers crypto through a partner (Paxos). The list of tradable assets is short—around eight coins—versus the broad catalog at SwissBorg. IBKR does have a full web interface, which some prefer for portfolio management.

Pricing at IBKR is lean at roughly 0.18% per trade with a small dollar minimum, while SwissBorg’s best tier starts near 0.50%. For coin withdrawals to self-custody, IBKR requires moving assets to a Paxos account first, then sending out with caps (around $5,000 per transfer) and higher frictions.

If absolute fee minimization is your main goal and you do not intend to withdraw to a cold wallet often, IBKR may be suitable. If you want richer crypto tooling and straightforward self-custody, keeping crypto on SwissBorg and stocks on IBKR can be a neat split.

Yuh supports roughly thirty-plus tokens and focuses on simplicity. There is no staking or bundle concept, underscoring the difference between a crypto-first platform and a general-purpose finance app with crypto added on top.

Trading costs about 1% per operation, and spreads are not actively optimized, which often means an additional hidden cost around industry averages. A small plus: fiat withdrawals are not charged.

The decisive factor for many is custody. Yuh does not permit outbound transfers of crypto to your own wallet, which is a deal breaker for me. Being able to withdraw is non-negotiable.

Therefore, SwissBorg’s advantage is substantial: more assets, staking and bundles, and the option to move coins to hardware wallets.

Security stance: Client funds are segregated, licenses are held in Estonia and France, and withdrawals to personal wallets are enabled.

Fees at a glance: Wire deposits are free, card top-ups cost extra, exchange fees drop with BORG-based tiers, and bundles/managed portfolios carry management charges.

Withdrawals: Crypto carries network gas plus a small platform fee; fiat withdrawals incur roughly 0.1% with currency-specific floors and caps.

For crypto into 2026, the app delivers a strong mix of usability, breadth of assets, and near-zero spread routing. Costs can be optimized via BORG tiers, though bundling and fiat withdrawals add extra line items. Safety features, including self-custody support, are well implemented.

I am impressed by the breadth of tools and the polished user interface. The platform aggregates liquidity efficiently, making price impact very low, though the raw exchange fee is not the cheapest unless you opt into a premium rank via BORG. For sizable or frequent trades, upgrading can be worthwhile.

For my own allocation, crypto remains a small slice. I placed CHF 12,000 from the blog into bitcoin and ETH mainly to test the flow and hold for the long run.

Although I still prefer broad ETFs for core investing, interest in digital assets keeps rising. I will also cover how to secure coins with a hardware wallet for those choosing self-custody.

For many portfolios, crypto can act as an alternative sleeve—used cautiously, focused on established networks like bitcoin and Ethereum rather than meme-driven tokens.

If you plan to try the app, you can use the code “thepoorswiss” to receive up to 7 CHF in BTC (or try your luck for up to 50 CHF) after trading at least 100 CHF. I welcome ideas for future reviews of other crypto services as well.