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Bitwala Card vs Crypto.com Visa Card (EEA)

Bitwala Card

Crypto native

7.0
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Crypto.com Visa Card (EEA)

Crypto native

6.3
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Verdict

  • Bitwala Card scores higher overall (7.0 vs 6.3 out of 10).
  • Crypto.com Visa Card (EEA) is clearly stronger on: Product features.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitwala Card is a good fit for

  • Stablecoin holders

Crypto.com Visa Card (EEA) is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Product features

★ 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
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Review & sourcesBitwala Card vs ether.fi CashCrypto.com Visa Card (EEA) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitwala CardCrypto.com Visa Card (EEA)
Fees8887
Cashback & rewards–9
Availability100100
FX & international––
Product features5870
Custody & security7075
Credit & financing3030
Limits & ATM6064
Transparency100100
Best for Cashbackn/a4.6
Best for Travel6.66.3
Best for DeFi Users6.25.6
Best for Stablecoins6.8n/a
Best for High Spendersn/a4.2
Best for Low Fees7.67.6
Best for Beginners7.97.8

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

Debit cardShow source
Prepaid cardShow source

Network

VisaShow source
VisaShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Self-custodial crypto wallet; euros held in the Bitwala account

CustodialConditions apply: tap or hover for detailsShow source

Prepaid card: crypto is converted to fiat before it is loaded; card balance is e-money at Foris MT Limited

Card issuer / program manager

No data yet
Foris MT Limited (Malta)Show source

Tiers / plans

No data yet
Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source

Fees

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Plus shipping

€4.99Conditions apply: tap or hover for detailsShow source

Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake

Virtual card fee

€0.99Show source
No data yet

Replacement fee

No data yet
€45.01Conditions apply: tap or hover for detailsShow source

Midnight; other tiers €50

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Plus €0.20 per crypto payment; euro payments free

No data yet

Top-up fee

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

Only for top-ups with debit/credit card; minimum top-up €20

ATM fee

€2 + 1%Show source
2%Conditions apply: tap or hover for detailsShow source

Above the monthly free ATM limit; ATM provider surcharges may apply

Free ATM allowance

No data yet
€200/monthConditions apply: tap or hover for detailsShow source

Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian

Other fees & markups

Crypto payments €0.20 + 1% per transactionShow source
Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source

Cashback & rewards

Base cashback

No data yet
0%Conditions apply: tap or hover for detailsShow source

Free tier

Max cashback

No data yet
4.5%Conditions apply: tap or hover for detailsShow source

Highest tier; monthly caps apply by tier

Cashback paid in

No data yet
CROShow source

Cashback type

No data yet
Platform tokenShow source

Staking / holding required for top rewards

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

Higher tiers via subscription or 12-month CRO staking

Staking asset

No data yet
CROShow source

Capital required for top rewards

No data yet
€450,000Conditions apply: tap or hover for detailsShow source

Obsidian tier (4.5%); 12-month lockup

Reward exclusions

No data yet
Certain merchant categories or channels are excluded from CRO RewardsShow source

Credit & financing

Credit line

NoShow source
NoConditions apply: tap or hover for detailsShow source

prepaid card, must be topped up

Availability

Available in

EEAShow source
EEAShow source

Account / spend currencies

No data yet
EURShow source

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only via Curve

YesConditions apply: tap or hover for detailsShow source

EU: available; not available in UK or Bahrain

Google Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

EU: Google Wallet available, Samsung Wallet not available

Physical card

YesShow source
No data yet

Virtual card

YesShow source
No data yet

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesShow source
No data yet

Airport lounge access

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

Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)

Spendable assets

BTC · ETH · USDC · EURShow source
No data yet

Limits

ATM limit

No data yet
€2,000Conditions apply: tap or hover for detailsShow source

Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day

Spending limit

No data yet
€25,000Conditions apply: tap or hover for detailsShow source

Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000

Security & custody

Regulation / licences

No data yet
Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source

Annual cost at 1,500 EUR/month

Bitwala Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs−36 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

Crypto.com Visa Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual valuenot enough data

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

More Bitwala Card comparisons

More Crypto.com Visa Card (EEA) comparisons