savebackcards.com
DEEN

Bitrefill Card vs N26

Bitrefill Card

Crypto native

6.7
Get the card
N26

E-money / FinTech

6.2
Get the card

Verdict

  • Bitrefill Card scores higher overall (6.7 vs 6.2 out of 10).
  • Bitrefill Card is clearly stronger on: Fees, Cashback & rewards, Availability.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitrefill Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Fees, Cashback & rewards, Availability

N26 is a good fit for

  • Frequent travellers

★ 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 & sourcesBitrefill Card vs ether.fi CashN26 vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitrefill CardN26
Fees10082
Cashback & rewards244
Availability9770
FX & international–100
Product features7070
Custody & security7075
Credit & financing3030
Limits & ATM–66
Transparency10093
Best for Cashback5.34.1
Best for Travel6.47.6
Best for DeFi Users6.0n/a
Best for High Spenders4.84.7
Best for Low Fees8.08.6
Best for Beginners8.17.1
Best E-Money Cardn/a8.2

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

Prepaid cardConditions apply: tap or hover for detailsShow source

Funded by crypto deposits converted to euros

Debit cardShow source

Network

VisaShow source
MastercardShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Crypto stays in your own wallet until deposited; card balance in euros held by the card partner

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Tiers / plans

No data yet
Standard · Smart · Go · MetalShow source

Fees

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Standard account

Physical card fee

FreeShow source
€10Conditions apply: tap or hover for detailsShow source

Standard plan; included in Smart, Go and Metal

Virtual card fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

First virtual card free on Standard

FX fee

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

Page lists worldwide card payments as free on all plans; exchange rate not stated on this page

Crypto conversion fee

No data yet
1.5%Conditions apply: tap or hover for detailsShow source

N26 Crypto (Bitpanda) trading fee for Bitcoin; 2.5% for other coins, 3.5% for low-liquidity coins; N26 Metal 0.5% discount up to €5,000 order volume per month

ATM fee

No data yet
1.7%Conditions apply: tap or hover for detailsShow source

Withdrawals outside the eurozone on Standard and Smart; free on Go and Metal. Euro withdrawals: 2 free per month on Standard (3 Smart, 5 Go, 8 Metal); fee beyond the quota not stated on this page

Transfer fee

FreeConditions apply: tap or hover for detailsShow source

SEPA withdrawal of the card balance to your bank account

No data yet

Other fees & markups

No data yet
N26 Standard: one-off fee covering delivery of a physical debit card (amount not stated)Show source

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

On purchases; plus 1% on crypto deposits; paid as Bitrefill store credit

0%Conditions apply: tap or hover for detailsShow source

Standard: no cashback; Go and Metal get 1% travel cashback

Max cashback

2%Conditions apply: tap or hover for detailsShow source

1% on crypto deposits plus 1% on purchases

1%Conditions apply: tap or hover for detailsShow source

Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only

Cashback paid in

EUR store credit on BitrefillShow source
No data yet

Cashback type

FiatConditions apply: tap or hover for detailsShow source

Store credit for gift cards and eSIMs

No data yet

Interest on balance

No data yet
0.3%Conditions apply: tap or hover for detailsShow source

Tagesgeld (savings) on Standard, variable; Go 0.50%, Metal 1.50% p.a.

Cashback conditions

No cap per transaction · Cashback never expires · Free 20 GB eSIM each month with deposits over €500Show source
No data yet

Reward exclusions

Deposits to bank accounts · Cash outs · ATM withdrawalsShow source
No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Credit type

No data yet
NoneShow source

Availability

Available in

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, IcelandConditions apply: tap or hover for detailsShow source

Not for US or Russian citizens regardless of residency

Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, SwitzerlandConditions apply: tap or hover for detailsShow source

21 countries listed: Austria, Belgium, Denmark, Estonia, Finland, France (not DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland; residency and requirements apply

Account / spend currencies

EURShow source
No data yet

Own IBAN / bank details

No data yet
YesShow source

Features

Apple Pay

No data yet
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Airport lounge access

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

Standard: 33 € per visit; Go first visit 15 €, Metal first visit per year free

Travel / rental car insurance

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

Only Go and Metal plans (not Standard)

Purchase protection

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

Only Metal plan

Security & custody

Regulation / licences

No data yet
German full banking licence (BaFin)Show source

Deposit protection

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

Up to €100,000

Annual cost at 1,500 EUR/month

Bitrefill Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+180 EUR
  • Net annual valuenot enough data

N26

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−20 EUR
  • Cashback+0 EUR
  • Net annual value-20 EUR

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

More Bitrefill Card comparisons

More N26 comparisons