Bitsa Card vs Revolut
Crypto enabled
Crypto enabled
Verdict
- Revolut scores higher overall (7.1 vs 5.9 out of 10).
- Bitsa Card is clearly stronger on: Limits & ATM.
- Revolut is clearly stronger on: Fees, FX & international.
- For 1,500 EUR/month of spend, Revolut comes out about 82 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: Limits & ATM
Revolut 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:
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 | Revolut |
|---|---|---|
| Fees | 82 | 100 |
| Cashback & rewards | 0 | 5 |
| Availability | 100 | 100 |
| FX & international | 30 | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | – |
| Limits & ATM | 75 | 64 |
| Transparency | 100 | 93 |
| Best for Cashback | 4.0 | 4.8 |
| Best for Travel | 5.6 | 8.2 |
| Best for High Spenders | 3.6 | 5.2 |
| Best for Low Fees | 7.0 | 9.4 |
| Best for Beginners | 7.6 | 7.9 |
| Best E-Money Card | 6.9 | 9.0 |
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
Network
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
The provider holds the funds
Card issuer / program manager
Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
Tiers / plans
Free · Move · ProShow source
Standard (free) · Plus €3.99/mo · Premium €9.99/mo · Metal €17.99/mo · Ultra €60/moConditions apply: tap or hover for detailsShow source
Austria
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 plan; paid plans €3.99–€60/month (Austria)
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
0%Conditions apply: tap or hover for detailsShow source
Standard: weekday exchange up to €1,000/month without extra fee; above that a 1% fair usage fee, plus 1% on weekends
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%Conditions apply: tap or hover for detailsShow source
After the monthly free allowance
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Standard: €200 or 5 withdrawals per month; Plus €200, Premium €400, Metal €800
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
2% fair usage fee (min. €1) per transaction after the plan's rolling monthly limitShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
No cashback on personal plans; card spending earns RevPoints (Standard: 1 point per €10) for travel benefits
Cashback type
NoneConditions apply: tap or hover for detailsShow source
Card payments earn no cashback; gift cards in the app up to 15%
PointsConditions apply: tap or hover for detailsShow source
RevPoints, redeemable for air miles and Stays discounts
Interest on balance
1%Conditions apply: tap or hover for detailsShow source
Instant Access Savings (EUR) on the Standard plan, variable; higher rates on paid plans
Credit & financing
Credit line
NoShow source
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Residents of the EEA
EEAConditions apply: tap or hover for detailsShow source
Personal accounts; other supported regions listed on the help page
Account / spend currencies
EURShow source
EURConditions apply: tap or hover for detailsShow source
Austrian accounts; multi-currency accounts available
Own IBAN / bank details
YesShow source
YesShow source
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
Standard card; delivery and customisation fees apply
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
All plans
ATM withdrawals
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Standard: available for purchase only; included on higher paid plans
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
Security & custody
Regulation / licences
Pecunpay: e-money institution supervised by the Bank of SpainShow source
Revolut Bank UAB, licensed by the European Central Bank and regulated by the Bank of Lithuania · Crypto: Revolut Digital Assets Europe Ltd, CASP licence of the Cyprus Securities and Exchange Commission under MiCAShow 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
Revolut
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value0 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers