Bit2Me Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
Get Bit2Me CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Fees and limits
| Issuance fee | Virtual freeThe fine printPhysical card priced by Space Center level: free at levels 5 to 7, EUR 5 at level 4, EUR 10 at level 3, EUR 20 at levels 0 to 2, plus EUR 5 for delivery outside Spain |
|---|---|
| Annual fee | Free |
| FX fee | 2% on worldwide currency paymentsThe fine print
|
| ATM limit | EUR 300/day |
| Spending limit | EUR 2,500/day |
Fees change; the current ones are in Bit2Me’s terms.
Features
- Cashback: 0.25-1%
The fine print
Up to 7% cashback in B2M tokens by Space Center level: 0% at level 0, 0.25% at level 1, 0.5% at level 2, 1% at level 3, 2% at level 4, 3% at level 5, 5% at level 6, 7% at level 7
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: BTC, ETH, B2M, USDT, USDC, EUR (bank transfer, card) (10+)
- Available countries: Spain, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece…
Full list
… Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, Argentina, Brazil, Colombia, Mexico
Who issues the Bit2Me Card
The Bit2Me Card is issued by PECUNPAY (Pecunia Cards EDE), Spain (Bank of Spain EMI CSB 6707). The issuer is named in the source linked below.
Primary source · All cards issued by PECUNPAY (Pecunia Cards EDE) · Why the issuer matters
Supported cryptocurrencies
You can load the Bit2Me Card with crypto; the 4 assets we track for it are listed below.
Pros and cons
Pros
- Up to 7% cashback with B2M staking; 0% FX on eurozone payments (1.75% in other SEPA currencies, 2% worldwide); SEPA support; strong LATAM presence
- No card issuance fee
- No annual maintenance fee
Cons
- High cashback tiers require significant B2M holdings; limited to EU and select LATAM countries
- FX fee: 2% on foreign-currency spend
Regional availability
Available in Europe + LATAM
The Bit2Me Card is available in Europe + LATAM: Spain, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland and 18 more.
Banking and fiat rails
Card overview
The 7% cashback headline is the wrong number to plan around. Bit2Me, one of Spain's largest crypto exchanges, advertises that rate in B2M tokens through the Space Center loyalty program. The ladder runs by Space Center level: 0% at level 0, 0.25% at level 1 (a €1,000 portfolio), then 0.5%, 1%, 2%, 3% and 5%, with 7% only at level 7. Higher levels require staking B2M (locked 3-12 months) plus completing platform "missions".
Cashback always pays in B2M, so what you actually receive in euros moves with the token. The card itself is a Mastercard Debit, free as a virtual card; the physical card is free at levels 5 to 7 and costs EUR 5 to EUR 20 below that, plus EUR 5 for delivery outside Spain. It is pitched primarily at Spanish and European users, with a secondary footprint in Latin America. FX is 0% on euro payments, 1.75% on other SEPA currencies and 2% on worldwide currencies, plus 0.95% on crypto-funded purchases.
Daily spend cap is EUR 2,500. ATM EUR 300/day. Personal IBAN with SEPA included via the EUR Bit2Me fiat account; no SWIFT. Available across Europe and select LatAm countries including Argentina, Brazil, Colombia, and Mexico.
- Best fit
- Spanish or LatAm users who already hold B2M and can stake through the lock periods
- Wrong card if
- you wanted the top of the ladder without locking tokens for months
Common questions about the Bit2Me 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.
