Bitsa Card vs Oobit
Crypto enabled
Crypto native
Verdict
- Oobit scores higher overall (8.0 vs 5.9 out of 10).
- Bitsa Card is clearly stronger on: Fees, Limits & ATM.
- Oobit is clearly stronger on: Cashback & rewards, FX & international, Product features, Custody & security.
- For 1,500 EUR/month of spend, Bitsa Card comes out about 75 EUR a year ahead on base-tier terms.
Bitsa Card is a good fit for
- No specific audience can be derived from the published data yet.
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:
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 | Oobit |
|---|---|---|
| Fees | 82 | 71 |
| Cashback & rewards | 0 | 100 |
| Availability | 100 | 100 |
| FX & international | 30 | 40 |
| Product features | 70 | 90 |
| Custody & security | 75 | 95 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 75 | 50 |
| Transparency | 100 | 93 |
| Best for Cashback | 4.0 | 8.9 |
| Best for Travel | 5.6 | 6.6 |
| Best for Self-Custody | n/a | 8.6 |
| Best for DeFi Users | n/a | 7.9 |
| Best for Stablecoins | n/a | 7.8 |
| Best for High Spenders | 3.6 | 7.4 |
| Best for Low Fees | 7.0 | 6.3 |
| Best for Beginners | 7.6 | 9.0 |
| Best E-Money Card | 6.9 | n/a |
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
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
Self-custodyConditions apply: tap or hover for detailsShow source
Crypto stays in your wallet until the moment you pay
Card issuer / program manager
Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
Third National (issuer, under license from Visa); program provided by Oobit Technologies UABShow source
Tiers / plans
Free · Move · ProShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Move €8.99/year, Pro €69.99/year
FreeConditions apply: tap or hover for detailsShow source
No fee for the card itself
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
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
Swaps; 3% when swapping into OOB
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
2.5% (min. $0.25)Conditions apply: tap or hover for detailsShow source
Plus ATM operator fees
Transfer fee
€1Conditions apply: tap or hover for detailsShow source
SEPA transfer on Free and Move; free on Pro
Settlement fee
1% (min. $0.25)Conditions apply: tap or hover for detailsShow source
Per card payment (Brazil: 1%, no minimum)
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
Oobit transaction fee $0.25 or 1% (whichever is higher) per transaction · Returned payment fee $29Show source
Cashback & rewards
Base cashback
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
10%Conditions apply: tap or hover for detailsShow source
Up to
Cashback paid in
USDC (EEA residents) / USDT (outside EEA)Show source
Cashback type
NoneConditions apply: tap or hover for detailsShow source
Card payments earn no cashback; gift cards in the app up to 15%
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
$200/monthConditions apply: tap or hover for detailsShow source
When paying with tokens other than OOB; $10,000/month when paying with OOB
Cashback conditions
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
NoShow source
Reward expiry / vesting
Outstanding accrued rewards are lost if the account is closed, suspended or restrictedShow source
Reward exclusions
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)
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
YesShow source
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Residents of the EEA
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
EURShow source
USDConditions apply: tap or hover for detailsShow source
Base currency; other currencies converted automatically, rate shown on receipt
Own IBAN / bank details
YesShow source
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
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spend stablecoins
YesShow source
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Worldwide auto rental coverage via Visa Platinum; no general travel insurance stated
Purchase protection
YesConditions apply: tap or hover for detailsShow source
Visa Platinum benefits, included automatically
Spendable assets
USDT · Bitcoin · Ethereum · StablecoinsShow source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Other networks may be added at issuer discretion
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
$10,000Conditions apply: tap or hover for detailsShow source
Per day; maximum limit
Security & custody
Regulation / licences
Pecunpay: e-money institution supervised by the Bank of SpainShow source
US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)Show 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
Oobit
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costs−30 EUR
- Cashback+108 EUR
- Net annual value-156 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers