---
title: "Surge Credit - Reviews, Revenue and Downloads in Austria | Apple App Store"
description: "Surge Credit is a Bitcoin-native dollar credit line. Not a loan - a revolving credit line you control. Draw what you need, repay when you want, re-borrow without reapplying. Your Bitcoin stays in veri"
---

# Surge Credit — Austria

![Surge Credit App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/53/e7/d6/53e7d6c7-799c-39e5-0812-961cf55500e1/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/434x0w.png)

**Developer:** [Amby](https://apptail.io/developer/amby-iqlvkc)
**Category:** Finance
**Rating:** N/A (0 ratings)
**Price:** Free
**Bundle ID:** credit.surge.app
**Store:** Apple App Store
**Country:** Austria
**Version:** 1.0.16 (released 2026-11-02)
**Original Release:** 2026-03-17
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/at/app/app/id6756261968)
**AppTail Page:** [https://apptail.io/app/surge-credit-VvSz/austria](https://apptail.io/app/surge-credit-VvSz/austria)

## Surge Credit Description
Surge Credit is a Bitcoin-native dollar credit line. Not a loan - a revolving credit line you control. Draw what you need, repay when you want, re-borrow without reapplying. Your Bitcoin stays in verifiable Taproot vaults on the Bitcoin blockchain. Always.

How it works:
1. Set up your wallet - create a self-custodial wallet in-app or connect your own. Your keys, always.
2. Choose your credit line - set your amount, pick variable or fixed rates
3. Lock your Bitcoin - deposit BTC into your Taproot vault, verified on-chain in ~30 minutes
4. Get your credit - funds arrive instantly, send USDC or spend with gift cards

Why Surge Credit:
Non-custodial - Surge never holds your Bitcoin or stablecoins.
Zero rehypothecation - your collateral doesn’t get lent out, traded, or moved.
Verifiable on-chain - inspect your Taproot vault anytime. Don’t trust, verify.
Unilateral exit - repaid your line but collateral isn’t released? Take it back yourself. No permission needed. Enforced by Bitcoin.
Health monitoring - live health meter tracks your collateral ratio. Notifications at every stage so you’re never caught off guard.
Flexible repayment - no fixed terms, no schedules, no penalties. Repay any amount, anytime.
Rates from 6.9% APR - variable rates that adjust with market demand, or lock in at 9.9% fixed.
Spend your way: → Send USDC anywhere, instantly → Spend with gift cards → Bank transfers and card spending coming soon
Built different: → No KYC → No token → No middlemen → Bitcoin-native collateral — no wrapping, no bridging → 12-month term, rollover anytime
Surge Credit is built for Bitcoiners who refuse to compromise on custody to access liquidity. Your Bitcoin. Your terms.

## Surge Credit Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/0b/13/00/0b13003f-c086-15f6-a770-dc458cc73dc7/App_Store_Screenshot_6.jpg/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/62/d7/17/62d717d8-dd30-25b5-ffc6-9a16937b298d/App_Store_Screenshot_7.jpg/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d9/e6/49/d9e649aa-b014-e3d5-1b9a-5fcba69ee709/edited.png/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/98/04/51/980451e0-a857-c5f0-a19b-03e39fb4ef7d/0x0ss_2.jpg/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f4/b7/cc/f4b7ccee-9c00-ca4f-e696-c78d3cd4a612/last_screenshot.jpg/1242x2688.png)






## Apps Similar to Surge Credit
- [Sovereign Wallet](https://apptail.io/app/sovereign-wallet-nNBv/austria)
- [Manna Bitcoin Wallet](https://apptail.io/app/manna-bitcoin-wallet-CVBv/austria)
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- [Darkfolio - Private Portfolio](https://apptail.io/app/darkfolio-private-portfolio-fwqz/austria)

## Surge Credit Available In
- [Austria](https://apptail.io/app/surge-credit-VvSz/austria)
- [Australia](https://apptail.io/app/surge-credit-VvSz/australia)
- [Bulgaria](https://apptail.io/app/surge-credit-VvSz/bulgaria)
- [Canada](https://apptail.io/app/surge-credit-VvSz/canada)
- [Czechia](https://apptail.io/app/surge-credit-VvSz/czechia)
- [Ireland](https://apptail.io/app/surge-credit-VvSz/ireland)
- [Mexico](https://apptail.io/app/surge-credit-VvSz/mexico)
- [Singapore](https://apptail.io/app/surge-credit-VvSz/singapore)

---

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