Bitwala Card
Visa debit card of the Berlin crypto app Bitwala: spends Bitcoin, Ether, USDC or euros from the Bitwala account, online, in stores and at ATMs. Free account and no monthly fee; euro payments are free, crypto payments cost €0.20 + 1%. The wallet is self-custodial. Available to verified users resident in the EEA.
Base cashback
Max cashback
Base fee
FreeShow source
FX fee
ATM fee
€2 + 1%Show 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
- Spends stablecoins directly
Cons
- ATM fee €2 + 1%
Good for
- Stablecoin holders
Not for
Not enough data to say.
Risks to understand
- Stablecoins can de-peg and are not covered by deposit protection.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Bitwala 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
Fees6/15
- Monthly fee
FreeShow source
- Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Plus shipping
- Virtual card fee
€0.99Show source
- Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Plus €0.20 per crypto payment; euro payments free
- ATM fee
€2 + 1%Show source
- Other fees & markups
Crypto payments €0.20 + 1% per transactionShow source
Not yet researched: Annual fee, Replacement fee, FX fee, Top-up fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards0/14
No cashback & rewards data published or researched yet.
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 & currencies1/4
- Available in
EEAShow source
Not yet researched: Not available in, Account / spend currencies, Own IBAN / bank details.
Features, wallets & supported assets7/11
- Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via Curve
- Google Pay
YesShow source
- Physical card
YesShow source
- Virtual card
YesShow source
- ATM withdrawals
YesShow source
- Spend stablecoins
YesShow source
- Spendable assets
BTC · ETH · USDC · EURShow source
Not yet researched: Airport lounge access, Travel / rental car insurance, Purchase protection, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product4/7
- Product status
ActiveShow source
- Card type
Debit cardShow source
- Network
VisaShow source
- Custody model
HybridConditions apply: tap or hover for detailsShow source
Self-custodial crypto wallet; euros held in the Bitwala account
Not yet researched: Launch date, Card issuer / program manager, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 1.00% | 20% | 88 |
Cashback & rewards | 20% | No data — excluded |
Availability 30 of 60 tracked countries | 15% | 100 |
FX & international | 10% | No data — excluded |
Product features 5 of 6 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 58 |
Custody & security Custody model: hybrid | 10% | 70 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM ATM cost on €200 ≈ 2.0% | 5% | 60 |
Transparency 5 of 5 checked key terms disclosed | 5% | 100 |
Data coverage 70%. 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 Bitwala Card have an annual or monthly fee?
Base tier: Free. Source: Bitwala Card — Crypto Visa Card for Everyday Spending.
Is Bitwala Card a credit card?
No. It is a debit card; you spend your own balance.
Where is Bitwala Card available?
EEA.
Is Bitwala Card self-custodial?
Hybrid (Self-custodial crypto wallet; euros held in the Bitwala account).
Does Bitwala Card work with Apple Pay and Google Pay?
Apple Pay: No. Google Pay: Yes.
Change history19 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
- Monthly fee recorded · 22 October 2026 · auto-approved
- Virtual card fee recorded · 22 October 2026 · auto-approved
- Physical card fee recorded · 22 October 2026 · auto-approved
- Crypto conversion fee recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Other fees & markups recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved
- Spendable assets recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- ATM withdrawals recorded · 22 October 2026 · auto-approved