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Bitsa Card vs RedotPay

Bitsa Card

Crypto enabled

5.9
Get the card
RedotPay

Crypto native

5.5
Get the card

Verdict

  • Bitsa Card scores higher overall (5.9 vs 5.5 out of 10).
  • Bitsa Card is clearly stronger on: Limits & ATM.
  • RedotPay is clearly stronger on: Cashback & rewards, FX & international, Credit & financing.
  • 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: Limits & ATM

RedotPay is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Cashback & rewards, FX & international, Credit & financing

★ 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 & sourcesBitsa Card vs ether.fi CashRedotPay vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitsa CardRedotPay
Fees8286
Cashback & rewards012
Availability100–
FX & international3052
Product features7070
Custody & security75–
Credit & financing3070
Limits & ATM7560
Transparency10093
Best for Cashback4.04.0
Best for Travel5.65.8
Best for DeFi Usersn/a5.5
Best for Stablecoinsn/a5.8
Best for High Spenders3.64.7
Best for Low Fees7.07.5
Best for Beginners7.66.7
Best Crypto Credit Cardn/a6.4
Best E-Money Card6.9n/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
No data yet

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

No data yet

Card issuer / program manager

Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
No data yet

Tiers / plans

Free · Move · ProShow source
Regular account · RedotPay Pro Monthly ($12.90/month) · RedotPay Pro Annual ($129.00/year)Conditions apply: tap or hover for detailsShow source

Annual: "Annual Membership: $129.00 / year"; without membership the account is a "regular account"

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

Stated under Physical Card; currency not stated on page

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)

No data yet

Physical card fee

€20Show source
$100Show source

Virtual card fee

€2.50Show source
$10Show 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

1.2%Conditions apply: tap or hover for detailsShow source

Spending in a currency other than the card currency

Crypto conversion fee

No data yet
1%Show source

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%

No data yet

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%Conditions apply: tap or hover for detailsShow source

USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees

Transfer fee

€1Conditions apply: tap or hover for detailsShow source

SEPA transfer on Free and Move; free on Pro

No data yet

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
1.5% transaction fee (min. 0.50 USD) at specific listed merchants (e.g. Facebook Ads, Discord, some games); first 3 eligible transactions per card per calendar month waivedConditions apply: tap or hover for detailsShow source

Waived on the first 3 eligible transactions per card each calendar month; merchant list reviewed regularly

Cashback & rewards

Max cashback

No data yet
3%Conditions apply: tap or hover for detailsShow source

RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per month

Cashback paid in

No data yet
USDsShow source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

Card payments earn no cashback; gift cards in the app up to 15%

No data yet

Max cashback per month

No data yet
$18/monthConditions apply: tap or hover for detailsShow source

Paid in USDs (RedotPay spend credit), Pro members only

Cashback conditions

No data yet
RedotPay Pro membership required · Only Apple Pay or Google Pay transactions qualify · USDs usable only for future card transactions; cannot be withdrawn, transferred or used to buy cards · Cashback reclaimed on refunds/disputesShow source

Reward expiry / vesting

No data yet
Cashback USDs expire after 30 daysShow source

Credit & financing

Credit line

NoShow source
YesConditions apply: tap or hover for detailsShow source

Optional Credit feature (app v3.0.0+), usable for RedotPay card spending when set as main payment method

Credit type

No data yet
Crypto-backed creditConditions apply: tap or hover for detailsShow source

Optional Credit feature; stablecoins excluded as collateral

Collateral assets

No data yet
Supported crypto assets (excluding stablecoins)Show source

Interest notes

No data yet
Interest calculated daily on the principal of the credit balance; simple interest (no compounding)Conditions apply: tap or hover for detailsShow source

Optional Credit feature

Spend by borrowing against collateral

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

Optional; crypto collateral is locked at payment until repaid

Availability

Available in

EEAConditions apply: tap or hover for detailsShow source

Residents of the EEA

No data yet

Not available in

No data yet
AF, AL, BY, BA, BV, BF, BI, CF, CD, Croatia, CU, ER, ET, GW, HT, India, Indonesia, IR, IQ, LB, LR, LY, CN, ML, ME, MA, MM, NP, NI, KP, MK, RU, RS, Singapore, Slovenia, SO, SS, SD, SY, Turkey, Ukraine, United States, VE, YE, ZWConditions apply: tap or hover for detailsShow source

Card issuance restricted list (Aug 28, 2026); also lists Kosovo and Netherlands Antilles, which have no current ISO code and are omitted

Account / spend currencies

EURShow source
No data yet

Own IBAN / bank details

YesShow source
No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Not available in every country

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Limits

ATM limit

€450Conditions apply: tap or hover for detailsShow source

Per day, withdrawals outside Spain

No data yet

Spending limit

€1,500Conditions apply: tap or hover for detailsShow source

Purchase limit on Free; Move €5,000, Pro €15,000

No data yet

Security & custody

Regulation / licences

Pecunpay: e-money institution supervised by the Bank of SpainShow source
Money Lender's Licence No. 1715/2025 (RedotPay Credit)Conditions apply: tap or hover for detailsShow source

Licence stated for the Credit feature; issuing jurisdiction not named on page

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

RedotPay

  • Annual & monthly fees+0 EUR
  • FX costs−43 EUR
  • Crypto conversion–
  • ATM costs−24 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

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

More Bitsa Card comparisons

More RedotPay comparisons