Bitsa Card vs Xapo Bank Card
Crypto enabled
Crypto enabled
Verdict
- Bitsa Card scores higher overall (5.9 vs 5.4 out of 10).
- Bitsa Card is clearly stronger on: Fees, Product features, Limits & ATM, Transparency.
- Xapo Bank Card is clearly stronger on: Cashback & rewards, FX & international.
- 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: Fees, Product features, Limits & ATM, Transparency
Xapo Bank Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, 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 | Xapo Bank Card |
|---|---|---|
| Fees | 82 | 49 |
| Cashback & rewards | 0 | 24 |
| Availability | 100 | – |
| FX & international | 30 | 100 |
| Product features | 70 | 53 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 75 | 62 |
| Transparency | 100 | 86 |
| Best for Cashback | 4.0 | 4.3 |
| Best for Travel | 5.6 | 6.8 |
| Best for High Spenders | 3.6 | 4.8 |
| Best for Low Fees | 7.0 | 6.9 |
| Best for Beginners | 7.6 | 5.7 |
| Best E-Money Card | 6.9 | 6.6 |
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 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
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Move €8.99/year, Pro €69.99/year
$1,000/yearConditions apply: tap or hover for detailsShow source
Xapo Bank membership, card included
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
FreeConditions apply: tap or hover for detailsShow source
Card included in the membership; additional replacement card in a year 25 USD
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
Network exchange rate, no Xapo markup
Crypto conversion fee
0.1%Conditions apply: tap or hover for detailsShow source
Spread when spending from the BTC wallet
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
Outside Gibraltar, above the free monthly allowance; operator fees separate
Free ATM allowance
$100/monthShow source
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
Cashback & rewards
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Up to, on qualifying purchases
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
Interest on balance
4.1%Conditions apply: tap or hover for detailsShow source
Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Residents of the EEA
Account / spend currencies
EURShow source
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Complimentary metal card with the membership
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Included in the membership (metal, standard and virtual cards)
ATM withdrawals
YesShow source
YesConditions apply: tap or hover for detailsShow source
Free up to USD 100 per month, then 2%
Spend stablecoins
NoConditions apply: tap or hover for detailsShow source
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
Limits
ATM limit
€450Conditions apply: tap or hover for detailsShow source
Per day, withdrawals outside Spain
$2,000Conditions apply: tap or hover for detailsShow source
Per day
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
Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)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
Xapo Bank Card
- Annual & monthly fees−898 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−2 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