Bitstack Card vs Zoomex Card
Crypto enabled
Crypto native
Verdict
- Bitstack Card scores higher overall (5.5 vs 5.2 out of 10).
- Bitstack Card is clearly stronger on: Product features, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitstack Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Product features, Custody & security
Zoomex Card is a good fit for
- Stablecoin holders
★ 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 | Bitstack Card | Zoomex Card |
|---|---|---|
| Fees | 97 | 88 |
| Cashback & rewards | 22 | 21 |
| Availability | 3 | – |
| FX & international | – | 20 |
| Product features | 70 | 56 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 84 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.5 | 4.3 |
| Best for Travel | 5.9 | 4.5 |
| Best for DeFi Users | n/a | 5.1 |
| Best for Stablecoins | n/a | 5.5 |
| Best for High Spenders | 5.1 | 4.0 |
| Best for Low Fees | 8.4 | 6.7 |
| Best for Beginners | 6.7 | 6.7 |
| Best E-Money Card | 7.0 | n/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
Debit cardConditions apply: tap or hover for detailsShow source
Card linked to the euro cash account
Prepaid cardConditions apply: tap or hover for detailsShow source
Spends the UR account balance funded with USDC
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
CustodialConditions apply: tap or hover for detailsShow source
Fiat held by UR (SR Saphirstein AG)
Card issuer / program manager
Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source
Tiers / plans
Standard · PlusShow source
Fees
Annual fee
FreeShow source
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
Virtual card fee
FreeShow source
FX fee
2%Conditions apply: tap or hover for detailsShow source
1–2%
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Crypto to fiat; fiat to crypto 0%
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
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Up to; Standard plan, eligibility conditions and caps apply
1%Conditions apply: tap or hover for detailsShow source
Credited monthly to the Zoomex funding account; campaign rules still being prepared
Max cashback
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Plus plan (€2.99/month)
1%Show source
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
Sign-up reward: spend $5, get $10Show source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
FranceShow source
Account / spend currencies
EURShow source
USD · EUR · CHF · JPY · SGD · HKDShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
French IBAN
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
Initial version is virtual only
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC is moved into the UR account and converted
Limits
Spending limit
€1,000Conditions apply: tap or hover for detailsShow source
Per month for international payments on Standard; €3,000 on Plus
Security & custody
Regulation / licences
CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
Annual cost at 1,500 EUR/month
Bitstack Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual valuenot enough data
Zoomex Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers