Bitsa Card vs Bitstack Card
Crypto enabled
Crypto enabled
Verdict
- Bitsa Card scores higher overall (5.9 vs 5.5 out of 10).
- Bitsa Card is clearly stronger on: Availability.
- Bitstack Card is clearly stronger on: Fees, Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitsa Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Availability
Bitstack Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, Cashback & rewards
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
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.
Score by criterion
| Criterion | Bitsa Card | Bitstack Card |
|---|---|---|
| Fees | 82 | 97 |
| Cashback & rewards | 0 | 22 |
| Availability | 100 | 3 |
| FX & international | 30 | – |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 75 | 84 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.0 | 4.5 |
| Best for Travel | 5.6 | 5.9 |
| Best for High Spenders | 3.6 | 5.1 |
| Best for Low Fees | 7.0 | 8.4 |
| Best for Beginners | 7.6 | 6.7 |
| Best E-Money Card | 6.9 | 7.0 |
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
Prepaid card, E-money cardShow source
Debit cardConditions apply: tap or hover for detailsShow source
Card linked to the euro cash account
Network
VisaShow source
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
CustodialConditions apply: tap or hover for detailsShow source
Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet
Card issuer / program manager
Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
Tiers / plans
Free · Move · ProShow source
Standard · PlusShow source
Fees
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)
FreeConditions apply: tap or hover for detailsShow source
Standard; Plus €2.99/month or €29.99/year
Physical card fee
€20Show source
€9.99Conditions apply: tap or hover for detailsShow source
Standard, plus delivery; Plus: free delivery, annual Plus: free
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
1%Conditions apply: tap or hover for detailsShow source
Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Or 5 withdrawals per month
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
Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Up to; Standard plan, eligibility conditions and caps apply
Max cashback
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Plus plan (€2.99/month)
Cashback paid in
BTCShow source
Cashback type
NoneConditions apply: tap or hover for detailsShow source
Card payments earn no cashback; gift cards in the app up to 15%
CryptoShow source
Cashback conditions
Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Residents of the EEA
FranceShow source
Account / spend currencies
EURShow source
EURShow source
Own IBAN / bank details
YesShow source
YesConditions apply: tap or hover for detailsShow source
French IBAN
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
YesShow source
Limits
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
€1,000Conditions apply: tap or hover for detailsShow source
Per month for international payments on Standard; €3,000 on Plus
Security & custody
Regulation / licences
Pecunpay: e-money institution supervised by the Bank of SpainShow source
CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
Annual cost at 1,500 EUR/month
Bitsa Card
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+0 EUR
- Net annual value-82 EUR
Bitstack Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers