Bitrefill 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 | Free (virtual and physical; no issuing, postal or monthly fees) |
|---|---|
| Annual fee | Free |
| FX fee | No FX fee on non-EUR spending (Visa rate); 1.99% fee on every crypto top-up, on top of the partner's live exchange price |
| ATM limit | Available at Visa ATMs; 2.49% fee per withdrawal; withdrawals earn no cashback |
| Spending limit | €10,000 a day on both tiers; €10,000 a month on Starter, €15,000 a month on Plus; contactless €200 per transaction |
Fees change; the current ones are in Bitrefill’s terms.
Features
- Cashback: 2% (store credit)
The fine print
- 2% cashback in Bitrefill store credit (1% on deposit + 1% on spend; redeemable for gift cards and eSIMs only)
- Plus a free 20GB eSIM in every month you deposit over €500 to the card
- KYC: Yes (Starter: ID and selfie, €15,000 lifetime deposits, €10,000 a month; Plus: adds proof of address and source of funds, no deposit cap, €15,000 a month)
- Card type: Virtual + Physical
- Top up with: BTC (on-chain and Lightning), ETH, USDC, BNB, POL, SOL (6)
- Available countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland…
Full list
… Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
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 and not stated by the issuer itself. This covers the EU card.
Supported cryptocurrencies
You can load the Bitrefill Card with crypto; the 5 assets we track for it are listed below.
Pros and cons
Pros
- Supports Bitcoin Lightning Network; SEPA bank transfers available; transparent 1.99% conversion fee
- Earn 2% cashback on eligible purchases
- No card issuance fee
- No annual maintenance fee
- Multi-chain top-up across 5+ networks
Cons
- EU/EEA residents only
The fine print
- 1.99% fee on every crypto top-up
- 2.49% ATM fee
- Cashback usable only as Bitrefill store credit
- €10 for a replacement card
- Deposits over €1,000 from a third-party wallet are declined under EU transfer rules
- No IBAN or bank-account features
Regional availability
Available in 28 countries
EU and EEA residents in 28 countries: 26 EU members plus Norway and Iceland; Hungary suspended for new applicants, Liechtenstein not listed; US and Russian citizens excluded wherever they live.
Banking and fiat rails
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. Otherwise this is a clean EU/EEA prepaid Visa. Both the virtual and the physical card are free, with no issuing, postal or monthly fee, and crypto converts to euros at a transparent 1.99% with Bitcoin Lightning support for instant deposits, still a rarity among card issuers. Funding also covers ETH, USDC, BNB, POL and SOL, with tiered KYC (the gift-card business stays no-KYC; the card does not).
Spending reaches €10,000 a day on both tiers, within €10,000 a month on Starter and €15,000 on Plus. ATM cash costs 2.49% a withdrawal. The card is sold in 26 EU countries plus Norway and Iceland; Hungary is closed to new applicants, and US and Russian citizens are excluded wherever they live. 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.
Common questions about the Bitrefill 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.
