savebackcards.com

Bitwala Card vs SafePal Mastercard

Bitwala Card

Crypto native

7.0
SafePal Mastercard

Crypto native

6.5

Verdict

  • Bitwala Card scores higher overall (7.0 vs 6.5 out of 10).
  • SafePal Mastercard is clearly stronger on: Fees, 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

SafePal Mastercard is a good fit for

  • Stablecoin holders

Stronger on: Fees, 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

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitwala CardSafePal Mastercard
Fees88100
Cashback & rewards––
Availability100–
FX & international–60
Product features5870
Custody & security70–
Credit & financing3030
Limits & ATM60–
Transparency100100
Best for Travel6.66.6
Best for DeFi Users6.26.0
Best for Stablecoins6.87.2
Best for High Spendersn/a6.1
Best for Low Fees7.68.3
Best for Beginners7.97.5

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 cardShow source

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

No data yet

Card issuer / program manager

No data yet
Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source

Offered in collaboration with SafePal; the page does not name the card issuer separately

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeShow source
FreeShow source

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Plus shipping

No data yet

Virtual card fee

€0.99Show source
No data yet

FX fee

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

Card payments settled in non-USD currencies

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
FreeConditions apply: tap or hover for detailsShow source

Standard deposit/top-up fee; crypto swaps carry a spread and gas fees

ATM fee

€2 + 1%Show source
No data yet

Transfer fee

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

Transfers to external banks; other banks may charge

Other fees & markups

Crypto payments €0.20 + 1% per transactionShow source
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source

Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

EEAShow source
No data yet

Account / spend currencies

No data yet
USD · EUR · CHF · CNHShow source

Own IBAN / bank details

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

Swiss IBAN via Fiat24

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only via Curve

YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
No data yet

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

YesShow source
YesConditions apply: tap or hover for detailsShow source

Crypto is topped up as USDC

Spendable assets

BTC · ETH · USDC · EURShow source
No data yet

Blockchains

No data yet
ArbitrumShow source

Limits

Spending limit

No data yet
€5,000Conditions apply: tap or hover for detailsShow source

Per day; contactless 1,600 EUR per day

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

SafePal Mastercard

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

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