Bit2Me Card vs Solayer Pay
Crypto native
Crypto native
Verdict
- Solayer Pay scores higher overall (6.2 vs 5.6 out of 10).
- Solayer Pay is clearly stronger on: FX & international, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bit2Me Card is a good fit for
- No specific audience can be derived from the published data yet.
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: FX & international, Custody & security
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
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.
Score by criterion
| Criterion | Bit2Me Card | Solayer Pay |
|---|---|---|
| Fees | 89 | 83 |
| Cashback & rewards | 28 | – |
| Availability | – | 50 |
| FX & international | 20 | 40 |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 81 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.9 | n/a |
| Best for Travel | 5.2 | 5.6 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | 5.4 | 6.5 |
| Best for Stablecoins | n/a | 6.8 |
| Best for High Spenders | 4.7 | 5.5 |
| Best for Low Fees | 7.2 | 7.0 |
| Best for Beginners | 7.2 | 7.5 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Stablecoin cardShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends a linked wallet on the Bit2Me exchange
Self-custodyShow source
Card issuer / program manager
PECUNIA CARDS EDE, S.L.U. (Pecunpay), e-money institution supervised by the Bank of SpainShow source
Tiers / plans
Space Center levels 0–7Show source
Fees
Annual fee
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
Monthly fee
FreeShow source
Physical card fee
€20Conditions apply: tap or hover for detailsShow source
Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
Virtual card fee
FreeShow source
FX fee
2%Conditions apply: tap or hover for detailsShow source
Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Crypto conversion fee
0.95%Conditions apply: tap or hover for detailsShow source
Paying from a linked crypto wallet; 0% from the euro wallet
Top-up fee
1%Show source
ATM fee
€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source
Outside the eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only
Free ATM allowance
€300/monthShow source
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
Card deactivated after 6 months of inactivity; a new card must be issuedShow source
Cashback & rewards
Max cashback
7%Conditions apply: tap or hover for detailsShow source
Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)
Cashback paid in
B2MShow source
Cashback type
Platform tokenShow source
PointsShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
4–5% on sUSD, a Treasury-backed stablecoin users can opt into
Max cashback per month
€300/monthConditions apply: tap or hover for detailsShow source
Level 7; €7.50 at level 1, none at level 0
Cashback conditions
Cashback level depends on the Bit2Me Space Center level · Monthly cashback cap from €7.50 (level 1) to €300 (level 7); no cashback cap listed at level 0 · Minimum purchase €0.30Show source
Every transaction earns Solayer Card Points (Season 2), for future LAYER token rewards and partner perks · Referrers earn 10% of their referrals' pointsShow source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
Except the excluded countries and 17 US states
Not available in
AF, AL, AD, Australia, Austria, BY, Belgium, BA, Bulgaria, BF, BI, KH, Canada, CF, CN, Croatia, CU, Cyprus, Czechia, CD, Denmark, ER, Estonia, Finland, France, GE, Germany, Greece, GN, GW, HT, Hungary, Iceland, India, Indonesia, IR, IQ, Ireland, Israel, Italy, JM, JO, XK, LA, Latvia, LB, LR, LY, Lithuania, Luxembourg, Malaysia, ML, Malta, MD, MC, ME, MA, MZ, MM, Netherlands, New Zealand, NI, Nigeria, KP, Norway, PS, Poland, Portugal, QA, Romania, RU, SM, RS, Slovakia, SO, South Africa, South Korea, Spain, SD, Sweden, Switzerland, SY, Thailand, Turkey, UG, Ukraine, United Arab Emirates, United Kingdom, VU, VE, EH, YE, PW, NP, VietnamConditions apply: tap or hover for detailsShow source
Residents or citizens, regardless of current residence
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Physical card only
YesShow source
Spend stablecoins
YesShow source
Blockchains
Solayer ChainShow source
Limits
ATM limit
€300Conditions apply: tap or hover for detailsShow source
Per day; €3,000 a month
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours
Spending limit
€2,500Conditions apply: tap or hover for detailsShow source
Per transaction and per day; €20,000 a month
Annual cost at 1,500 EUR/month
Bit2Me Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Solayer Pay
- Annual & monthly fees−18 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction feesunknown
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers