Bitwala Card vs imToken Card
Crypto native
Crypto native
Verdict
- Bitwala Card scores higher overall (7.0 vs 5.6 out of 10).
- 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
imToken Card is a good fit for
- Stablecoin holders
- Frequent travellers
★ 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 | Bitwala Card | imToken Card |
|---|---|---|
| Fees | 88 | 88 |
| Cashback & rewards | – | 0 |
| Availability | 100 | – |
| FX & international | – | 100 |
| Product features | 58 | – |
| Custody & security | 70 | 70 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 3.7 |
| Best for Travel | 6.6 | 7.1 |
| Best for DeFi Users | 6.2 | 5.4 |
| Best for Stablecoins | 6.8 | 6.8 |
| Best for High Spenders | n/a | 4.4 |
| Best for Low Fees | 7.6 | 8.7 |
| Best for Beginners | 7.9 | 6.5 |
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
Debit cardConditions apply: tap or hover for detailsShow source
Spends the Fiat24 multi-currency cash account
Network
VisaShow source
MastercardShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Self-custodial crypto wallet; euros held in the Bitwala account
HybridConditions apply: tap or hover for detailsShow source
Tokens in the self-custodial imToken wallet; top-ups become a fiat cash account at Fiat24
Card issuer / program manager
Fiat24 (Switzerland)Show source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Plus shipping
Virtual card fee
€0.99Show source
FreeConditions apply: tap or hover for detailsShow source
Account NFT minting fee 0.001 ETH applies
FX fee
0%Show source
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Plus €0.20 per crypto payment; euro payments free
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Token top-ups; fiat deposits free
ATM fee
€2 + 1%Show source
Other fees & markups
Crypto payments €0.20 + 1% per transactionShow source
Account NFT minting fee 0.001 ETH · Additional charges may apply for settlements and exchange rate discrepanciesShow source
Cashback & rewards
Cashback type
NoneConditions apply: tap or hover for detailsShow source
A rebate plan is announced
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
EEAShow source
Account / spend currencies
USD · EUR · CHF · CNHShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via Curve
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
Top up with USDC or USDT
Spendable assets
BTC · ETH · USDC · EURShow source
ETH · USDC · USDTConditions apply: tap or hover for detailsShow source
Major ERC-20 tokens for top-ups
Blockchains
Ethereum · ArbitrumShow 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
imToken Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- 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