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Bitsa Card vs Tuyo Card

Bitsa Card

Crypto enabled

5.9
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Tuyo Card

Crypto native

6.6
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Verdict

  • Tuyo Card scores higher overall (6.6 vs 5.9 out of 10).
  • Bitsa Card is clearly stronger on: Product features, Transparency.
  • Tuyo Card is clearly stronger on: Fees, FX & international.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitsa Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Product features, Transparency

Tuyo Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: Fees, FX & international

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesBitsa Card vs ether.fi CashTuyo Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitsa CardTuyo Card
Fees82100
Cashback & rewards0–
Availability100–
FX & international3060
Product features7058
Custody & security7580
Credit & financing3030
Limits & ATM75–
Transparency10086
Best for Cashback4.0n/a
Best for Travel5.66.4
Best for Self-Custodyn/a7.5
Best for DeFi Usersn/a6.7
Best for Stablecoinsn/a7.3
Best for High Spenders3.65.9
Best for Low Fees7.08.0
Best for Beginners7.67.2
Best E-Money Card6.9n/a

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

Prepaid card, E-money cardShow source
Stablecoin cardShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Crypto is converted to euros on top-up; the card spends an e-money balance

Self-custodyConditions apply: tap or hover for detailsShow source

Keys stay on the user's device

Card issuer / program manager

Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
Signify Holdings, Inc. (Rain)Show source

Tiers / plans

Free · Move · ProShow source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €8.99/year, Pro €69.99/year

FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €0.99/month (€8.99/year), Pro €9.99/month (€69.99/year)

FreeShow source

Physical card fee

€20Show source
No data yet

Virtual card fee

€2.50Show source
FreeShow source

FX fee

1.75%Conditions apply: tap or hover for detailsShow source

Non-euro SEPA-zone currencies; 2% in the rest of the world

1%Conditions apply: tap or hover for detailsShow source

Up to ~1% FX spread on non-USD spend; no fee on USD transactions

Top-up fee

1.5%Conditions apply: tap or hover for detailsShow source

External-card top-ups beyond the free ones (Free: 2 in total, Move: 3/month, Pro: 4/month); vouchers 0–6%

No data yet

ATM fee

€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source

Outside the euro area; euro area €2.50 per withdrawal, Spain: the ATM operator's fee is passed on

No data yet

Transfer fee

€1Conditions apply: tap or hover for detailsShow source

SEPA transfer on Free and Move; free on Pro

No data yet

Other fees & markups

Voucher top-up fee 0–6% · Transfers to another holder or institution €1.50 · Crypto top-ups limited to €20,000 per dayShow source
ATM operator fees and FX markups apply on top of the withdrawal amountShow source

Cashback & rewards

Cashback paid in

No data yet
TUYOs (points)Conditions apply: tap or hover for detailsShow source

Not tradable or transferable

Cashback type

NoneConditions apply: tap or hover for detailsShow source

Card payments earn no cashback; gift cards in the app up to 15%

PointsConditions apply: tap or hover for detailsShow source

Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch

Cashback conditions

No data yet
TUYOs earned per dollar spent with the card; current rates only in the app · Seasonal multiplier boosts decline after each season down to baseline rates · TUYOs are not tradable nor transferableShow source

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

EEAConditions apply: tap or hover for detailsShow source

Residents of the EEA

No data yet

Not available in

No data yet
AF, BD, BY, CN, CD, CU, India, IR, IQ, LB, LY, ML, MM, NP, Nigeria, KP, RU, SO, SS, SD, SY, Turkey, Ukraine, United Kingdom, VE, Vietnam, YEConditions apply: tap or hover for detailsShow source

Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions

Account / spend currencies

EURShow source
USD · EURShow source

Own IBAN / bank details

YesShow source
YesConditions apply: tap or hover for detailsShow source

Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
NoConditions apply: tap or hover for detailsShow source

Physical card announced as coming soon

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Spendable assets

No data yet
USDCShow source

Blockchains

No data yet
BaseShow source

Limits

ATM limit

€450Conditions apply: tap or hover for detailsShow source

Per day, withdrawals outside Spain

$250Conditions apply: tap or hover for detailsShow source

Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours

Spending limit

€1,500Conditions apply: tap or hover for detailsShow source

Purchase limit on Free; Move €5,000, Pro €15,000

$50,000Conditions apply: tap or hover for detailsShow source

Daily; can rise to $100,000 and then $200,000 as total spending grows

Security & custody

Regulation / licences

Pecunpay: e-money institution supervised by the Bank of SpainShow source
No data yet

Annual cost at 1,500 EUR/month

Bitsa Card

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−19 EUR
  • Cashback+0 EUR
  • Net annual value-82 EUR

Tuyo Card

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • 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

More Bitsa Card comparisons

More Tuyo Card comparisons