Bit2Me Card
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.
Base cashback
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
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:
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.
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
| Criterion | Weight | Score |
|---|---|---|
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
