Bit2Me Card vs Wise Card
Crypto native
E-money / FinTech
Verdict
- Wise Card scores higher overall (6.9 vs 5.6 out of 10).
- Bit2Me Card is clearly stronger on: Cashback & rewards, Limits & ATM.
- Wise Card is clearly stronger on: Fees, 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.
Stronger on: Cashback & rewards, Limits & ATM
Wise Card is a good fit for
- Frequent travellers
Stronger on: Fees, 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 | Wise Card |
|---|---|---|
| Fees | 89 | 100 |
| Cashback & rewards | 28 | 12 |
| Availability | – | 100 |
| FX & international | 20 | 83 |
| Product features | 70 | 70 |
| Custody & security | 60 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 81 | 51 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.9 | 5.0 |
| Best for Travel | 5.2 | 7.5 |
| Best for DeFi Users | 5.4 | n/a |
| Best for High Spenders | 4.7 | 4.9 |
| Best for Low Fees | 7.2 | 8.8 |
| Best for Beginners | 7.2 | 8.1 |
| Best E-Money Card | n/a | 8.4 |
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
Debit cardShow source
Network
MastercardShow source
VisaConditions apply: tap or hover for detailsShow source
Visa in Ireland and the EEA; network depends on issuing country
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends a linked wallet on the Bit2Me exchange
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
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
Monthly fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
No subscription required
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
€7Conditions apply: tap or hover for detailsShow source
Ireland page; one-time card order fee
Virtual card fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Ireland page
Replacement fee
€4Conditions apply: tap or hover for detailsShow source
Ireland page; free if the card was expiring
FX fee
2%Conditions apply: tap or hover for detailsShow source
Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro
0.43%Conditions apply: tap or hover for detailsShow source
From; varies by currency pair; 0% when spending a currency you hold
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
FreeConditions apply: tap or hover for detailsShow source
Domestic bank transfer only; other payment methods have varying fees
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
2.69%Conditions apply: tap or hover for detailsShow source
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Free ATM allowance
€300/monthShow source
€250/monthConditions apply: tap or hover for detailsShow source
Eurozone-issued cards; no limit on the number of free withdrawals
Other fees & markups
Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amountConditions apply: tap or hover for detailsShow source
Spending a currency you hold is free
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
No cashback on card spending (owner research)
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
NoneConditions apply: tap or hover for detailsShow source
No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest
Interest on balance
2.4%Conditions apply: tap or hover for detailsShow source
Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies
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
Minimum balance
€101Conditions apply: tap or hover for detailsShow source
Held for the whole month to receive balance cashback, based on September 2026 rates (55 GBP, 51 USD)
Reward exclusions
Account outside the EEA · Money held in Wise Assets (interest/stocks) · Negative or suspended account · Pre-tax cashback under 0.10 · Opted out of cashbackShow source
Credit & financing
Credit line
NoShow source
NoShow source
Spend own balance directly
YesShow source
Availability
Available in
Australia, Brazil, Canada, EEA, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source
Thailand only for accounts registered on or after 21 January 2026
Not available in
Hong KongConditions apply: tap or hover for detailsShow source
Cards are blocked on moving to Hong Kong; no new card offered
Account / spend currencies
EUR · GBP · USD · and many moreShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Personal accounts; business accounts may pay a one-time setup fee
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
Limits
ATM limit
€300Conditions apply: tap or hover for detailsShow source
Per day; €3,000 a month
Spending limit
€2,500Conditions apply: tap or hover for detailsShow source
Per transaction and per day; €20,000 a month
Security & custody
Regulation / licences
Wise Europe SA: authorised payment institution supervised by the National Bank of BelgiumConditions apply: tap or hover for detailsShow source
EU entity
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection
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
Wise Card
- Annual & monthly fees+0 EUR
- FX costs−15 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value-15 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers