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Bit2Me Card vs Oobit

Bit2Me Card

Crypto native

5.8
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Oobit

Crypto native

8.0
Get the card

Verdict

  • Oobit scores higher overall (8.0 vs 5.8 out of 10).
  • Bit2Me Card is clearly stronger on: Fees, Limits & ATM.
  • Oobit is clearly stronger on: Cashback & rewards, FX & international, Product features, Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bit2Me Card is a good fit for

  • Stablecoin holders

Stronger on: Fees, Limits & ATM

Oobit is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Everyday spenders who want cashback

Stronger on: Cashback & rewards, FX & international, Product features, Custody & security

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

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
Get the card
Review & sourcesBit2Me Card vs ether.fi CashOobit vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBit2Me CardOobit
Fees8971
Cashback & rewards28100
Availability–100
FX & international2040
Product features7090
Custody & security7595
Credit & financing3030
Limits & ATM8150
Transparency10093
Best for Cashback5.08.9
Best for Travel5.26.6
Best for Self-Custodyn/a8.6
Best for DeFi Users5.97.9
Best for Stablecoins6.07.8
Best for High Spenders4.77.4
Best for Low Fees7.26.3
Best for Beginners7.39.0

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
No data yet

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends a linked wallet on the Bit2Me exchange

Self-custodyConditions apply: tap or hover for detailsShow source

Crypto stays in your wallet until the moment you pay

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

Third National (issuer, under license from Visa); program provided by Oobit Technologies UABShow source

Tiers / plans

Space Center levels 0–7Show source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Page states no maintenance fees for virtual or physical cards

FreeConditions apply: tap or hover for detailsShow source

No fee for the card itself

Monthly fee

FreeShow source
No data yet

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

No data yet

Virtual card fee

FreeShow source
No data yet

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Virtual card replacement only; physical card replacement fee not stated

No data yet

FX fee

2%Conditions apply: tap or hover for detailsShow source

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

1.5%Conditions apply: tap or hover for detailsShow source

Up to 1.5% on non-USD purchases

Crypto conversion fee

0.95%Conditions apply: tap or hover for detailsShow source

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

0.95%Conditions apply: tap or hover for detailsShow source

Swaps; 3% when swapping into OOB

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

2.5% (min. $0.25)Conditions apply: tap or hover for detailsShow source

Plus ATM operator fees

Free ATM allowance

€300/monthShow source
No data yet

Settlement fee

No data yet
1% (min. $0.25)Conditions apply: tap or hover for detailsShow source

Per card payment (Brazil: 1%, no minimum)

Other fees & markups

Purchase refund fee 0.95% when refunded to the linked crypto wallet (0% to the euro wallet)Show source
Oobit transaction fee $0.25 or 1% (whichever is higher) per transaction · Returned payment fee $29Show source

Cashback & rewards

Base cashback

No data yet
5%Conditions apply: tap or hover for detailsShow source

Only for eligible transactions paid in USDT/USDC, capped at USD 200 eligible spend (period not stated); available from level 1; Oobit may change offers with 30 days' notice

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%)

10%Conditions apply: tap or hover for detailsShow source

Up to

Cashback paid in

B2MShow source
USDC (EEA residents) / USDT (outside EEA)Show source

Cashback type

Platform tokenShow source
StablecoinConditions apply: tap or hover for detailsShow source

Points convert to USDC (EEA residents) or USDT (outside EEA); OOB payments earn token rewards

Cashback-eligible spend cap

No data yet
$200/monthConditions apply: tap or hover for detailsShow source

When paying with tokens other than OOB; $10,000/month when paying with OOB

Max cashback per month

€300/monthConditions apply: tap or hover for detailsShow source

Level 7; €7.50 at level 1, none at level 0

No data yet

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

Tap to Pay points: level 1 earns 1 point per USD, up to 5x at USD 1,500 cumulative spend in a 90-day cycle · 1,000 points = USD 1 · Qualifying Payment must be at least USD 1 · Rewards usable only for Tap to Pay payments in the app; cannot be withdrawn or transferredShow source

Staking / holding required for top rewards

No data yet
NoShow source

Reward expiry / vesting

No data yet
Outstanding accrued rewards are lost if the account is closed, suspended or restrictedShow source

Reward exclusions

No data yet
Payments without sufficient crypto in account · Payments the merchant does not receive · Refunded or reversed paymentsShow source

Credit & financing

Credit line

NoShow source
NoConditions apply: tap or hover for detailsShow source

Classified as credit card only for network acceptance; spends own crypto

Interest (APR)

No data yet
0%Conditions apply: tap or hover for detailsShow source

Currently 0% on all purchases; issuer may introduce interest for new purchases

Spend own balance directly

No data yet
YesShow source

Availability

Available in

No data yet
AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New ZealandConditions apply: tap or hover for detailsShow source

Country list as given on the page (74 countries listed, page claims 80+)

Account / spend currencies

No data yet
USDConditions apply: tap or hover for detailsShow source

Base currency; other currencies converted automatically, rate shown on receipt

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

After verification

Google Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

After verification

Physical card

YesShow source
No data yet

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Physical card only

YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

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

YesShow source

Travel / rental car insurance

No data yet
YesConditions apply: tap or hover for detailsShow source

Worldwide auto rental coverage via Visa Platinum; no general travel insurance stated

Purchase protection

No data yet
YesConditions apply: tap or hover for detailsShow source

Visa Platinum benefits, included automatically

Spendable assets

No data yet
USDT · Bitcoin · Ethereum · StablecoinsShow source

Blockchains

No data yet
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Other networks may be added at issuer discretion

Limits

ATM limit

€300Conditions apply: tap or hover for detailsShow source

Per day; €3,000 a month

No data yet

Spending limit

€2,500Conditions apply: tap or hover for detailsShow source

Per transaction and per day; €20,000 a month

$10,000Conditions apply: tap or hover for detailsShow source

Per day; maximum limit

Security & custody

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

US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)Show source

Annual cost at 1,500 EUR/month

Bit2Me Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

Oobit

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • Per-transaction fees−180 EUR
  • ATM costs−30 EUR
  • Cashback+107 EUR
  • Net annual value-157 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bit2Me Card comparisons

More Oobit comparisons