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Bit2Me Card vs Wise Card

Bit2Me Card

Crypto native

5.8
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Wise Card

E-money / FinTech

6.9
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Verdict

  • Wise Card scores higher overall (6.9 vs 5.8 out of 10).
  • Bit2Me Card is clearly stronger on: Cashback & rewards, Limits & ATM.
  • Wise Card is clearly stronger on: Fees, FX & international.
  • 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: Cashback & rewards, Limits & ATM

Wise Card is a good fit for

  • Frequent travellers

Stronger on: Fees, FX & international

★ 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
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Review & sourcesBit2Me Card vs ether.fi CashWise Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBit2Me CardWise Card
Fees89100
Cashback & rewards2812
Availability–100
FX & international2083
Product features7070
Custody & security7575
Credit & financing3030
Limits & ATM8151
Transparency100100
Best for Cashback5.05.0
Best for Travel5.27.5
Best for DeFi Users5.9n/a
Best for Stablecoins6.0n/a
Best for High Spenders4.74.9
Best for Low Fees7.28.8
Best for Beginners7.38.1
Best E-Money Cardn/a8.4

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 cardShow source

Network

MastercardShow source
VisaConditions apply: tap or hover for detailsShow source

Visa in Ireland and the EEA; network depends on issuing country

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends a linked wallet on the Bit2Me exchange

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

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

No data yet

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

No data yet

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

No subscription required

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

€7Conditions apply: tap or hover for detailsShow source

Ireland page; one-time card order fee

Virtual card fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Ireland page

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Virtual card replacement only; physical card replacement fee not stated

€4Conditions apply: tap or hover for detailsShow source

Ireland page; free if the card was expiring

FX fee

2%Conditions apply: tap or hover for detailsShow source

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

0.43%Conditions apply: tap or hover for detailsShow source

From; varies by currency pair; 0% when spending a currency you hold

Crypto conversion fee

0.95%Conditions apply: tap or hover for detailsShow source

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

No data yet

Top-up fee

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

Domestic bank transfer only; other payment methods have varying fees

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

2.69%Conditions apply: tap or hover for detailsShow source

Eurozone-issued cards, above the free allowance; ATM operators may add fees

Free ATM allowance

€300/monthShow source
€250/monthConditions apply: tap or hover for detailsShow source

Eurozone-issued cards; no limit on the number of free withdrawals

Other fees & markups

Purchase refund fee 0.95% when refunded to the linked crypto wallet (0% to the euro wallet)Show source
Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amountConditions apply: tap or hover for detailsShow source

Spending a currency you hold is free

Cashback & rewards

Base cashback

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

No cashback on card spending (owner research)

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%)

No data yet

Cashback paid in

B2MShow source
No data yet

Cashback type

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

No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest

Interest on balance

No data yet
2.4%Conditions apply: tap or hover for detailsShow source

Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies

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

No data yet

Minimum balance

No data yet
€101Conditions apply: tap or hover for detailsShow source

Held for the whole month to receive balance cashback, based on September 2026 rates (55 GBP, 51 USD)

Reward exclusions

No data yet
Account outside the EEA · Money held in Wise Assets (interest/stocks) · Negative or suspended account · Pre-tax cashback under 0.10 · Opted out of cashbackShow source

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

No data yet
YesShow source

Availability

Available in

No data yet
Australia, Brazil, Canada, EEA, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source

Thailand only for accounts registered on or after 21 January 2026

Not available in

No data yet
Hong KongConditions apply: tap or hover for detailsShow source

Cards are blocked on moving to Hong Kong; no new card offered

Account / spend currencies

No data yet
EUR · GBP · USD · and many moreShow source

Own IBAN / bank details

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

Personal accounts; business accounts may pay a one-time setup fee

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

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)

No data yet

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

No data yet

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

Wise Europe SA: authorised payment institution supervised by the National Bank of BelgiumConditions apply: tap or hover for detailsShow source

EU entity

Deposit protection

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

Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection

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

Wise Card

  • Annual & monthly fees+0 EUR
  • FX costs−15 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value-15 EUR

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

More Bit2Me Card comparisons

More Wise Card comparisons