Bitsa Card
Prepaid Visa card from the French company Bitsa: top up with Bitcoin, Ethereum and other crypto (converted to euros by Bitnovo), by card, bank transfer or voucher, and spend the euro balance. Every account has its own IBAN. Plans Free, Move (€0.99/month) and Pro (€9.99/month) differ in cards, balance and top-up limits; the e-money account and card are issued by the Spanish e-money institution Pecunpay.
Base cashback
Max cashback
Base fee
FreeConditions apply: tap or hover for detailsShow source
FX fee
1.75%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
€20Show 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
Cons
- FX fee up to 1.75%
Good for
Not enough data to say.
Not for
- Frequent travellers paying in foreign currencies
- Users who insist on self-custody
Risks to understand
- 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 Bitsa 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
Fees9/15
- Annual fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Move €8.99/year, Pro €69.99/year
- 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)
- Physical card fee
€20Show source
- Virtual card fee
€2.50Show 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
- 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%
- 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
- Transfer fee
€1Conditions apply: tap or hover for detailsShow source
SEPA transfer on Free and Move; free on Pro
- 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
Not yet researched: Replacement fee, Crypto conversion fee, Crypto withdrawal fee, Free ATM allowance, Settlement fee, Small transaction fee.
Cashback & rewards1/14
- Cashback type
NoneConditions apply: tap or hover for detailsShow source
Card payments earn no cashback; gift cards in the app up to 15%
Not yet researched: Base cashback, Max cashback, Cashback paid in, Interest on balance, Cashback-eligible spend cap, Max cashback per month, Cashback conditions, 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 & currencies3/4
- Available in
EEAConditions apply: tap or hover for detailsShow source
Residents of the EEA
- Account / spend currencies
EURShow source
- Own IBAN / bank details
YesShow source
Not yet researched: Not available in.
Features, wallets & supported assets5/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Physical card
YesShow source
- Virtual card
YesShow source
- ATM withdrawals
YesShow source
Not yet researched: Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody1/3
- Regulation / licences
Pecunpay: e-money institution supervised by the Bank of SpainShow source
Not yet researched: Deposit protection, Smart-contract risk.
Limits2/2
- ATM limit
€450Conditions apply: tap or hover for detailsShow source
Per day, withdrawals outside Spain
- Spending limit
€1,500Conditions apply: tap or hover for detailsShow source
Purchase limit on Free; Move €5,000, Pro €15,000
Product6/7
- Product status
ActiveShow source
- Card type
Prepaid card, E-money cardShow source
- Network
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
- Card issuer / program manager
Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
- Tiers / plans
Free · Move · ProShow source
Not yet researched: Launch date.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 1.50% | 20% | 82 |
Cashback & rewards No cashback programme | 20% | 0 |
Availability 30 of 60 tracked countries | 15% | 100 |
FX & international FX fee 1.75% | 10% | 30 |
Product features 5 of 5 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% | 5% | 75 |
Transparency 7 of 7 checked key terms disclosed | 5% | 100 |
Data coverage 100%. 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 Bitsa Card have an annual or monthly fee?
Base tier: Free (Free plan; Move €8.99/year, Pro €69.99/year). Source: Bitsa plans.
What is the FX fee of Bitsa Card?
1.75% (Non-euro SEPA-zone currencies; 2% in the rest of the world). Source: Bitsa plans.
Is Bitsa Card a credit card?
No. It is a prepaid card, e-money card; you spend your own balance.
Where is Bitsa Card available?
EEA (Residents of the EEA).
Is Bitsa Card self-custodial?
Custodial (Crypto is converted to euros on top-up; the card spends an e-money balance).
Does Bitsa Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history28 entries
- Product status recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- Physical card fee recorded · 22 October 2026 · auto-approved
- Virtual card fee recorded · 22 October 2026 · auto-approved
- FX fee recorded · 22 October 2026 · auto-approved
- Top-up fee recorded · 22 October 2026 · auto-approved
- ATM fee recorded · 22 October 2026 · auto-approved
- Transfer fee recorded · 22 October 2026 · auto-approved
- Spending limit recorded · 22 October 2026 · auto-approved
- ATM limit recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Own IBAN / bank details recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved