Bitrefill Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get Bitrefill CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Card Overview
The advertised 2% cashback pays in Bitrefill store credit, not money: 1% on deposit plus 1% on spend, redeemable only against the company's gift cards and eSIMs. That's the main catch on an otherwise clean EU/EEA prepaid Visa. The virtual card is free, physical costs 9.90 EUR, and crypto converts to euros at a transparent 1.99% with genuine Bitcoin Lightning support for instant deposits, still a rarity among card issuers. Funding also covers ETH, USDC and BNB, with tiered KYC (the gift-card business stays no-KYC; the card does not). Daily spending reaches 10,000 EUR by tier. Good fit for Lightning-first Bitcoiners in Europe who already shop Bitrefill's catalogue. If you want rewards you can spend anywhere, this isn't that.
Bitrefill Card brings lightning-fast crypto payments to European daily life with full Bitcoin Lightning Network support for instant, low-cost deposits. Convert BTC, ETH, USDC, or BNB to euros with a transparent 1.99% fee and spend at 50+ million Visa merchants across the EU/EEA. With tiered verification offering up to €500,000 lifetime deposits and SEPA cash-out capability, it's the straightforward crypto-to-fiat bridge without complex rewards or hidden fees.
This is a Visa crypto card. It offers cashback rewards. Available in Europe.
Fees & Limits
| Issuance Fee | Free (virtual and physical; no issuing, postal or monthly fees) |
|---|---|
| Annual Fee | Free |
| FX Fee | 1.99% crypto-to-EUR conversion fee; 0% on EUR purchases |
| ATM Limit | Available with physical card, fees apply after limits |
| Spending Limit | €10000/day (varies by tier) |
These figures can change. Confirm the current fees, FX and network in Bitrefill’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: BTC (on-chain + Lightning), ETH, USDC, BNB (4)
- Available Countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Banking & Fiat Rails
None (prepaid Visa)
Who issues the Bitrefill Card
Bitrefill Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Wallester AS, Estonia / EEA (Visa Principal Member) — inferred from the program manager, not stated by the issuer itself. EU.
Supported Cryptocurrencies
You can load the Bitrefill Card with crypto; the 4 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Bitcoin (on-chain & Lightning), Ethereum, USDC, USDT, Litecoin, Dogecoin, Dash, Binance Pay
Who Is the Bitrefill Card Best For?
The Bitrefill Card is a good fit for active spenders who treat the rewards rate as the main reason to pick a card.
The Bitrefill Card pays 2% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in EU/EEA only, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 2% cashback
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
Avoid if
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Bitrefill Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Supports Bitcoin Lightning Network; SEPA bank transfers available; transparent 1.99% conversion fee
- Earn 2% cashback on eligible purchases
- No annual maintenance fee
- Works wherever Visa is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
Cons
- EU/EEA only; no cashback; €9.90 physical card fee; 1.99% conversion on all crypto deposits
- Card issuance fee: Free (virtual and physical; no issuing, postal or monthly fees)
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
- No IBAN or bank account, prepaid only
How to Get the Bitrefill Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Bitrefill account
A few minutesGo to the Bitrefill website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerBitrefill runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with BTC (on-chain + Lightning), ETH, USDC, BNB (4) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Bitrefill Card shows up in the Bitrefill app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The Bitrefill Card covers the EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Common questions about the Bitrefill Card
What are the fees for the Bitrefill Card?
How does the Bitrefill Card cashback work?
Where is the Bitrefill Card available?
What cryptocurrencies does the Bitrefill Card support?
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