Bitstack Card
Visa card of the French Bitcoin savings app Bitstack: spends euros from the Bitstack cash account (French IBAN), rounds every payment up to the next euro and saves the difference in Bitcoin, and pays "Stackback" cashback in Bitcoin — up to 1% on the free Standard plan, up to 1.5% on Plus (€2.99/month). The card is only available in France.
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Max cashback
1.5%Conditions apply: tap or hover for detailsShow source
Base fee
FreeConditions apply: tap or hover for detailsShow source
FX fee
ATM fee
1%Conditions apply: tap or hover for detailsShow source
Card fee
€9.99Conditions apply: tap or hover for detailsShow source
Credit line
NoShow source
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- 1% base cashback in BTC
- Apple Pay and Google Pay
- Free ATM withdrawals up to €200/month
Cons
- Top rate of 1.5% only with conditions — Up to; Plus plan (€2.99/month)
Good for
Not enough data to say.
Not for
- Users who insist on self-custody
Risks to understand
- Custodial: your crypto is held by the provider — counterparty and insolvency risk.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Bitstack Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees5/15
- Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard; Plus €2.99/month or €29.99/year
- Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Standard, plus delivery; Plus: free delivery, annual Plus: free
- ATM fee
1%Conditions apply: tap or hover for detailsShow source
Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal
- Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Or 5 withdrawals per month
- Other fees & markups
Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show source
Not yet researched: Annual fee, Virtual card fee, Replacement fee, FX fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards5/14
- Base cashback
1%Conditions apply: tap or hover for detailsShow source
Up to; Standard plan, eligibility conditions and caps apply
- Max cashback
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Plus plan (€2.99/month)
- Cashback paid in
BTCShow source
- Cashback type
CryptoShow source
- Cashback conditions
Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
Not yet researched: Interest on balance, Cashback-eligible spend cap, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing1/11
- Credit line
NoShow source
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies3/4
- Available in
FranceShow source
- Account / spend currencies
EURShow source
- Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
French IBAN
Not yet researched: Not available in.
Features, wallets & supported assets4/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Physical card
YesShow source
- ATM withdrawals
YesShow source
Not yet researched: Virtual card, Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody1/3
- Regulation / licences
CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
Not yet researched: Deposit protection, Smart-contract risk.
Limits1/2
- Spending limit
€1,000Conditions apply: tap or hover for detailsShow source
Per month for international payments on Standard; €3,000 on Plus
Not yet researched: ATM limit.
Product6/7
- Product status
ActiveShow source
- Card type
Debit cardConditions apply: tap or hover for detailsShow source
Card linked to the euro cash account
- Network
VisaShow source
- Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet
- Card issuer / program manager
Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
- Tiers / plans
Standard · PlusShow source
Not yet researched: Launch date.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 97 |
Cashback & rewards | 20% | 22 |
Availability 1 of 60 tracked countries | 15% | 3 |
FX & international | 10% | No data — excluded |
Product features 4 of 4 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: custodial · Regulated / protected (+15) | 10% | 75 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM ATM cost on €200 ≈ 1.0% · Free ATM allowance ≈ €200/month | 5% | 84 |
Transparency 6 of 6 checked key terms disclosed | 5% | 100 |
Data coverage 90%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Bitstack Card have an annual or monthly fee?
Base tier: Free (Standard; Plus €2.99/month or €29.99/year). Source: Bitstack pricing.
How much cashback does Bitstack Card pay?
Base rate: 1% (Up to; Standard plan, eligibility conditions and caps apply). Highest advertised rate: 1.5% (Up to; Plus plan (€2.99/month)). Paid in BTC.
Is Bitstack Card a credit card?
No. It is a debit card (card linked to the euro cash account); you spend your own balance.
Where is Bitstack Card available?
France.
Is Bitstack Card self-custodial?
Custodial (Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet).
Does Bitstack Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history26 entries
- Product status recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- Physical card fee recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Free ATM allowance recorded · 22 October 2026 · auto-approved
- Base cashback recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Cashback paid in recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Spending limit recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Own IBAN / bank details recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- ATM withdrawals recorded · 22 October 2026 · auto-approved
- Regulation / licences recorded · 22 October 2026 · auto-approved