savebackcards.com

Bit2Me Card

by Bit2MeCrypto nativeMastercard
5.8
Provisional

Mastercard debit card of the Spanish exchange Bit2Me, issued by the e-money institution Pecunia Cards (Pecunpay, supervised by the Bank of Spain). It spends a linked crypto or euro wallet and pays cashback of up to 7% in B2M, set by the 'Space Center' loyalty level, with a monthly cashback cap per level.

Fresh · verified today
Cashback5.0Travel5.2DeFi users5.9Stablecoins6.0High spenders4.7Low fees7.2Beginners7.3

Base cashback

No data yet

Max cashback

7%Conditions apply: tap or hover for detailsShow source

Base fee

FreeConditions apply: tap or hover for detailsShow source

FX fee

2%Conditions apply: tap or hover for detailsShow source

ATM fee

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

Card fee

€20Conditions apply: tap or hover for detailsShow source

Credit line

NoShow source

Staking needed

No data yet

Tap a value for its source. * = conditions apply.

At a glance

Pros

  • No annual or monthly fee on the base tier
  • Apple Pay and Google Pay
  • Spends stablecoins directly
  • Free ATM withdrawals up to €300/month

Cons

  • FX fee up to 2%
  • Top rate of 7% only with conditions — Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)
  • Cashback paid in a volatile token (B2M)

Good for

  • Stablecoin holders

Not for

  • Frequent travellers paying in foreign currencies
  • Users who insist on self-custody

Risks to understand

  • Token rewards can lose value between earning and selling.
  • Stablecoins can de-peg and are not covered by deposit protection.
  • Custodial: your crypto is held by the provider — counterparty and insolvency risk.

★ Our pickEditorial choice · score unchanged · Affiliate link

The card we recommend as an alternative to Bit2Me Card:

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

Conditions apply; the review lists them with sources.

All details

Fees10/15
Annual fee
FreeConditions apply: tap or hover for detailsShow source

Page states no maintenance fees for virtual or physical cards

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

Virtual card fee
FreeShow source
Replacement fee
FreeConditions apply: tap or hover for detailsShow source

Virtual card replacement only; physical card replacement fee not stated

FX fee
2%Conditions apply: tap or hover for detailsShow source

Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro

Crypto conversion fee
0.95%Conditions apply: tap or hover for detailsShow source

Paying from a linked crypto wallet; 0% from the euro wallet

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
Other fees & markups
Purchase refund fee 0.95% when refunded to the linked crypto wallet (0% to the euro wallet)Show source

Not yet researched: Top-up fee, Crypto withdrawal fee, Transfer fee, Settlement fee, Small transaction fee.

Cashback & rewards5/14
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
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
Monthly cashback cap depends on the Bit2Me Space Center level (€7.50 at level 1 to €300 at level 7; none listed at level 0) · Minimum cashback €0.01 · Minimum purchase amount €0.30Conditions apply: tap or hover for detailsShow source

The minimum purchase amount is listed in the card limits table next to the minimum cashback; the page does not say whether it applies to cashback only

Not yet researched: Base cashback, Interest on balance, Cashback-eligible spend cap, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.

Credit & financing1/11
Credit line
NoShow source

Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.

Supported countries & currencies0/4

No availability data published or researched yet.

Features, wallets & supported assets6/11
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source

Physical card only

Spend stablecoins
YesConditions apply: tap or hover for detailsShow source

Card can be linked to a stablecoin wallet (Bit2Me Earn offer)

Not yet researched: Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.

Security & custody1/3
Regulation / licences
CNMV-authorised crypto-asset service provider under MiCA (Regulation (EU) 2023/1114)Conditions apply: tap or hover for detailsShow source

Applies to Bit2Me (Bitcoinforme S.L.), stated in the site footer; resolution of 28 July 2025

Not yet researched: Deposit protection, Smart-contract risk.

Limits2/2
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

Product6/7
Product status
ActiveShow source
Card type
Debit cardShow source
Network
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source

Card spends a linked wallet on the Bit2Me exchange

Card issuer / program manager
PecuniaConditions apply: tap or hover for detailsShow source

Named as Bit2Me's card provider (handles limit increase requests); exact role (issuer / program manager) not stated

Tiers / plans
Space Center levels 0–7Show source

Not yet researched: Launch date.

Our rating

CriterionWeightScore

Fees

Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 0.95%

20%
89

Cashback & rewards

Only an 'up to' rate is published

20%
28

Availability

15%No data — excluded

FX & international

FX fee 2%

10%
20

Product features

6 of 6 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection)

10%
70

Custody & security

Custody model: custodial · Regulated / protected (+15)

10%
75

Credit & financing

No credit line

5%
30

Limits & ATM

ATM cost on €200 ≈ 1.3% · Free ATM allowance ≈ €300/month

5%
81

Transparency

6 of 6 checked key terms disclosed

5%
100

Data coverage 85%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.

Computed by a fixed formula; affiliate relationships have no influence. How we score

FAQ

Does Bit2Me Card have an annual or monthly fee?

Base tier: Free (Page states no maintenance fees for virtual or physical cards). Source: Crypto Mastercard card — Bit2Me.

What is the FX fee of Bit2Me Card?

2% (Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro). Source: Bit2Me Card — Fees and limits (Bit2Me Help Center).

How much cashback does Bit2Me Card pay?

Highest advertised rate: 7% (Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)). Paid in B2M.

Is Bit2Me Card a credit card?

No. It is a debit card; you spend your own balance.

Is Bit2Me Card self-custodial?

Custodial (Card spends a linked wallet on the Bit2Me exchange).

Does Bit2Me Card work with Apple Pay and Google Pay?

Apple Pay: Yes. Google Pay: Yes.

Change history33 entries
  • 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 €0.30"] → ["Monthly cashback cap depends on the Bit2Me Space Center level (€7.50 at level 1 to €300 at level 7; none listed at level 0)","Minimum cashback €0.01","Minimum purchase amount €0.30"] · 25 October 2026 · approved
  • Other fees & markups not disclosed → ["Purchase refund fee 0.95% when refunded to the linked crypto wallet (0% to the euro wallet)"] · 25 October 2026 · approved
  • Replacement fee not disclosed → {"amount":0,"currency":"EUR"} · 25 October 2026 · approved
  • Regulation / licences not disclosed → ["CNMV-authorised crypto-asset service provider under MiCA (Regulation (EU) 2023/1114)"] · 25 October 2026 · approved
  • Spend stablecoins not disclosed → true · 25 October 2026 · approved
  • Annual fee not disclosed → {"amount":0,"currency":"EUR"} · 25 October 2026 · approved
  • Card issuer / program manager "PECUNIA CARDS EDE, S.L.U. (Pecunpay), e-money institution supervised by the Bank of Spain" → "Pecunia" · 25 October 2026 · approved
  • Virtual card fee recorded · 22 October 2026 · auto-approved
  • Physical card fee recorded · 22 October 2026 · auto-approved
  • Crypto conversion fee recorded · 22 October 2026 · auto-approved
  • FX fee recorded · 22 October 2026 · auto-approved
  • ATM fee recorded · 22 October 2026 · auto-approved
  • Free ATM allowance recorded · 22 October 2026 · auto-approved
  • Max cashback recorded · 22 October 2026 · auto-approved
  • Max cashback per month recorded · 22 October 2026 · auto-approved
  • Cashback paid in recorded · 22 October 2026 · auto-approved
  • Product status recorded · 22 October 2026 · auto-approved
  • Cashback conditions recorded · 22 October 2026 · auto-approved
  • Credit line recorded · 22 October 2026 · auto-approved
  • Apple Pay recorded · 22 October 2026 · auto-approved
  • Google Pay recorded · 22 October 2026 · auto-approved
  • Virtual card recorded · 22 October 2026 · auto-approved
  • Physical card recorded · 22 October 2026 · auto-approved
  • ATM withdrawals recorded · 22 October 2026 · auto-approved
  • Spending limit recorded · 22 October 2026 · auto-approved