Bitwala Card vs Kripicard
Crypto native
Crypto native
Verdict
- Bitwala Card and Kripicard have the same overall score (7.1/10).
- Bitwala Card is clearly stronger on: Fees.
- Kripicard is clearly stronger on: Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitwala Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees
Kripicard is a good fit for
- Frequent travellers
Stronger on: Product features
★ 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 | Bitwala Card | Kripicard |
|---|---|---|
| Fees | 88 | 69 |
| Cashback & rewards | – | – |
| Availability | 100 | 100 |
| FX & international | – | 100 |
| Product features | 58 | 70 |
| Custody & security | 80 | – |
| Credit & financing | 30 | – |
| Limits & ATM | 60 | – |
| Transparency | 100 | 100 |
| Best for Travel | 6.6 | 8.0 |
| Best for Self-Custody | 7.3 | n/a |
| Best for DeFi Users | 6.5 | n/a |
| Best for Stablecoins | 7.0 | n/a |
| Best for Low Fees | 7.6 | 7.9 |
| Best for Beginners | 8.0 | 7.6 |
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 card, Credit cardConditions apply: tap or hover for detailsShow source
Virtual cards funded with USDT across multiple BINs
Network
VisaShow source
Visa / MastercardShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Crypto Vaults (Bitcoin via BitGo, Ethereum)
Card issuer / program manager
Wallester AS (Estonia); operator Bitwala GmbHShow source
Tiers / plans
Kripicard PremiumShow source
Fees
Monthly fee
FreeShow source
FreeShow source
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Plus shipping
Virtual card fee
€0.99Show source
$5Conditions apply: tap or hover for detailsShow source
Negotiable on volume; all cards billed in USD
FX fee
0%Show source
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Plus €0.20 per crypto payment; euro payments free
Top-up fee
4%Conditions apply: tap or hover for detailsShow source
Fees may vary depending on funding method
ATM fee
€2 + 1%Show source
Other fees & markups
Crypto payments €0.20 + 1% per transactionShow source
Processing fee $1 · Minimum $10 initial load (credited as balance) · Chargeback/refund rate must stay below 15%Show source
Credit & financing
Credit line
NoShow source
Availability
Available in
EEAShow source
GlobalConditions apply: tap or hover for detailsShow source
190+ countries
Account / spend currencies
USDShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Virtual IBAN via Lightspark Payments Europe AS
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via Curve
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Spendable assets
BTC · ETH · USDC · EURShow source
USDTShow source
Blockchains
Ethereum · Tron · BNB Chain · Solana · TON · BitcoinConditions apply: tap or hover for detailsShow source
Deposit networks
Limits
Spending limit
$150,000Conditions apply: tap or hover for detailsShow source
Monthly; daily and single transaction $25,000
Annual cost at 1,500 EUR/month
Bitwala Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−36 EUR
- Cashbackunknown
- Net annual valuenot enough data
Kripicard
- Annual & monthly fees+0 EUR
- FX costs+0 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