BipTap Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Each plan includes free cards with no issuance or monthly fee: 1 on the free Virtual plan, 5 on PRO, unlimited on…The fine print
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|---|---|
| Annual fee | Account yearly fee $0 on the Virtual plan, $80 on PRO, $5,000 on PremiumThe fine printThe Virtual Card design carries a $3 monthly administration fee on the Virtual and PRO plans beyond the included free cards, $0 on Premium |
| FX fee | Not disclosed. BipTap publishes no foreign-transaction percentage |
| ATM limit | $3,000/day on plastic, metal and premium cards. BipTap charges no ATM fee of its own; external ATM and processor fees apply |
| Spending limit | No stated limit |
Fees change; the current ones are in BipTap’s terms.
Features
- Cashback: 0.1% virtual / 0.25% plastic / 0.3% metal / 0.5% premium metal
- Custody: Hybrid custody
The fine print
Hybrid: BipTap's terms describe a non-custodial wallet whose keys stay with the user, while the card and the financial accounts are held by a separate licensed financial services provider that BipTap does not name
- KYC: Set by the card issuer: BipTap's terms say identity verification (KYC) may be required before a card is made available
- Card type: Virtual + Physical
- Top up with: USDC on Polygon for crypto (Ethereum, Arbitrum, Optimism, Base, BNB Chain, Solana, Tron and Bitcoin are listed as next…)
Full list
- … update or coming soon) or fiat
- Crypto deposit fee 3% on the Virtual and PRO plans, 2.8% on Premium
- Fiat deposit fee 5% on Virtual, 3% on PRO, 2.8% on Premium
- Available countries: 161 countries on BipTap's accepted-countries page, including the United States, United Kingdom, Canada, Australia and India
Who issues the BipTap Card
Our issuer directory has no verified entry for the BipTap Card yet: a bank goes in only with a source we can cite. 39 of the 141 cards you can still get are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported cryptocurrencies
You can load the BipTap Card with crypto; the 4 assets we track for it are listed below.
The fine print
- Ethereum, Arbitrum, Optimism, Base, BNB Chain, Solana, Tron and Bitcoin listed as next update or coming soon
- 3% deposit fee (2.8% Premium)
Pros and cons
Pros
- Free Virtual plan with one card included at no issuance or monthly fee
The fine print
- Accepted in 161 countries including the US and UK
- Virtual card works in a mobile wallet
- $3,000 a day ATM limit on plastic and metal cards
- Offshore account with IBAN and crypto wallet in the same app on PRO and Premium
- Earn 0.5% cashback on eligible purchases
- Crypto neobank with IBAN account and regular banking features
- Multi-chain top-up across 9+ networks
Cons
- Physical cards sit behind a paid account…
The fine print
- … (PRO costs $300 to open plus $80 a year; Premium costs $5,000 to open and $5,000 a year)
- 3% crypto deposit fee on the Virtual and PRO plans (2.8% on Premium) and 5% on fiat deposits on the Virtual plan
- The Virtual Card design costs $5 plus $3 a month outside Premium, while the Transparent design is free
- Crypto top-ups run only in USDC on Polygon for now
- The per-card pages list cashback of only 0.1% to 0.5%, though the cards page advertises up to 5%
- Foreign-transaction fee never published
- Card issuer not named
- Still labelled a beta
- Annual fee: Account yearly fee $0 on the Virtual plan, $80 on PRO, $5,000 on Premium
Regional availability
Available worldwide
The BipTap Card is available in most countries.
Banking and fiat rails
The fine print
… account, which its terms say is held with a separate licensed provider that BipTap does not name
Card overview
Plastic costs $50 and metal $150, and both sit behind a paid account: PRO costs $300 to open and $80 a year and includes one free plastic card, Premium costs $5,000 to open and $5,000 a year and waives the card fees. The virtual card is free on every plan, including the free Lite account. Every crypto top-up carries a 3% deposit fee, 2.8% on Premium, fiat deposits cost 5% on the free plan, and cashback, which the per-card pages list at 0.1% on virtual to 0.5% on premium metal even though the cards page advertises up to 5%, will not repay it.
The plan table also lists interest on deposits, 0.7% on PRO and 1.5% on Premium, without saying whether the card spends the balance that earns it. It is a Visa debit card only. BipTap's marketing has called it a Mastercard; its card pages say Visa. Crypto top-ups run only in USDC on Polygon for now, with other networks listed as coming, ATM withdrawals cap at $3,000 a day with no BipTap-side fee, and no foreign-transaction rate is published at all, so cross-border cost is unknowable before you spend.
Custody is split: BipTap's terms describe a non-custodial wallet whose keys stay with you, while the card and the financial accounts sit with a separate licensed provider that BipTap does not name. IBAN, SWIFT and SEPA come only with the PRO offshore account, and BipTap still labels the service a beta. Best fit: people who want the offshore account and treat the card as an accessory to it. Wrong card for a daily spender, where 3% on every deposit is the whole story.
Common questions about the BipTap Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
