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Bitsa Card vs Tangem Pay

Bitsa Card

Crypto enabled

5.9
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Tangem Pay

Crypto native

4.8
Get the card

Verdict

  • Bitsa Card scores higher overall (5.9 vs 4.8 out of 10).
  • Bitsa Card is clearly stronger on: Availability, Limits & ATM, Transparency.
  • Tangem Pay is clearly stronger on: Cashback & rewards, FX & international.
  • For 1,500 EUR/month of spend, Tangem Pay comes out about 160 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: Availability, Limits & ATM, Transparency

Tangem Pay is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: Cashback & rewards, FX & international

★ 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 CashTangem Pay vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitsa CardTangem Pay
Fees8278
Cashback & rewards030
Availability1003
FX & international3040
Product features7070
Custody & security7580
Credit & financing3030
Limits & ATM7520
Transparency10086
Best for Cashback4.04.2
Best for Travel5.64.3
Best for Self-Custodyn/a6.8
Best for DeFi Usersn/a6.0
Best for Stablecoinsn/a6.1
Best for High Spenders3.64.2
Best for Low Fees7.06.2
Best for Beginners7.66.2
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
Stablecoin cardConditions apply: tap or hover for detailsShow source

Funded with USDC loaded in advance; no credit line

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-custodyShow source

Card issuer / program manager

Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source
Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source

Tiers / plans

Free · Move · ProShow source
Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)Conditions apply: tap or hover for detailsShow source

Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €8.99/year, Pro €69.99/year

No data yet

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

Basic tier; Plus $29.99/month

Physical card fee

€20Show source
No data yet

Virtual card fee

€2.50Show source
FreeConditions apply: tap or hover for detailsShow source

Basic tier

Replacement fee

No data yet
$5Conditions apply: tap or hover for detailsShow source

Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0

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; Tangem pages show 1% and 1.5%

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%

$1Conditions apply: tap or hover for detailsShow source

Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees

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

4%Conditions apply: tap or hover for detailsShow source

Basic tier; 2% on Plus

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
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source

Cashback & rewards

Base cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

Basic tier; minimum $30 per transaction; monthly cap applies

Max cashback

No data yet
4%Conditions apply: tap or hover for detailsShow source

Prestige tier ($999/year, coming soon); Plus 2%

Cashback paid in

No data yet
USDCShow source

Cashback type

NoneConditions apply: tap or hover for detailsShow source

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

StablecoinShow source

Cashback-eligible spend cap

No data yet
$10,000/monthConditions apply: tap or hover for detailsShow source

Basic tier, per month; Plus $15,000

Max cashback per month

No data yet
$100/monthConditions apply: tap or hover for detailsShow source

Basic tier; Plus $300, Prestige $1000

Cashback conditions

No data yet
Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source

Reward exclusions

No data yet
In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source

Credit & financing

Credit line

NoShow source
NoShow source

Credit type

No data yet
NoneShow source

Availability

Available in

EEAConditions apply: tap or hover for detailsShow source

Residents of the EEA

United StatesConditions apply: tap or hover for detailsShow source

Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)

Account / spend currencies

EURShow source
USDShow source

Own IBAN / bank details

YesShow source
YesConditions apply: tap or hover for detailsShow source

US routing and account number (ACH/FedWire), not an IBAN

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

Page elsewhere mentions up to three virtual cards

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Contactless ATMs only, via Apple Pay or Google Pay

Spend stablecoins

No data yet
YesShow source

Airport lounge access

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

Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.

Travel / rental car insurance

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

Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.

Purchase protection

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

Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.

Spendable assets

No data yet
USDC · USDTShow source

Blockchains

No data yet
Polygon · Base · BNB Smart Chain · ArbitrumShow source

Limits

ATM limit

€450Conditions apply: tap or hover for detailsShow source

Per day, withdrawals outside Spain

$250Conditions apply: tap or hover for detailsShow source

Per transaction; up to 3 withdrawals per 24 hours

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, Basic tier; Plus $50,000, Prestige $100,000

Security & custody

Regulation / licences

Pecunpay: e-money institution supervised by the Bank of SpainShow source
No data yet

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

Tangem Pay

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−48 EUR
  • Cashback+180 EUR
  • Net annual value78 EUR

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

More Bitsa Card comparisons

More Tangem Pay comparisons