Bitsa 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
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Card Overview
Three tiers across the EEA: Free, Move at €8.99/month, Pro at €69.99/month. The Pro tier raises the daily spend cap to €15,000 and is the only tier where the advertised 15% cashback ever applied. That 15% has never been a general rate. It was a partner-store promotion limited to a rotating brand list, and multiple sources report the cashback program has been discontinued or significantly reduced. On general spend at Pro, realistic cashback today sits at 0%. FX is 2% on non-EUR purchases, ATM cap is €450/day (low even by prepaid standards), and the card does not extend outside the EEA. Funding accepts BTC, ETH, LTC, and others via auto-generated blockchain deposit addresses with auto-conversion to EUR, plus standard bank transfer and vouchers. The Trustpilot rating sits at 1.4 stars, with recurring complaints about frozen accounts and withheld balances. Read that before depositing. IBAN and SEPA are included via Pecunpay. Apple Pay works. The Free tier permits limited non-nominative use up to €1,500/day caps. Best fit: EU users who want a cheap free-tier prepaid card with IBAN and do not need cashback. Avoid the Pro upgrade if rewards were the reason.
Bitsa Card is a tiered Visa prepaid card available across the EEA with three plans: Free (EUR 1,500/day), Move (EUR 5,000/day), and Pro (EUR 15,000/day with up to 15% cashback). Fund with crypto or bank transfer, spend with Apple Pay, and access IBAN/SEPA banking integration.
This is a Visa crypto card. It offers cashback rewards. Available in Europe.
Fees & Limits
| Issuance Fee | Free (Free tier); EUR 8.99/month (Move); EUR 69.99/month (Pro) |
|---|---|
| Annual Fee | Included in tier pricing |
| FX Fee | 2% |
| ATM Limit | EUR 450 |
| Spending Limit | Free: EUR 1,500/day; Move: EUR 5,000/day; Pro: EUR 15,000/day |
These figures can change. Confirm the current fees, FX and network in Bitsa’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: Crypto (ETH, BTC), bank transfer, vouchers
- Available Countries: Spain, France, Germany, Italy, Portugal, Netherlands, Austria, Belgium, and other EEA nations
Banking & Fiat Rails
IBAN yes (unique personal IBAN via Pecunpay); SEPA yes; no SWIFT
Supported Cryptocurrencies
You can load the Bitsa Card with crypto; the 2 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: BTC, ETH, LTC and others via generated blockchain deposit address; auto-converted to EUR
Who Is the Bitsa Card Best For?
The Bitsa Card is a good fit for users who want to start spending crypto with minimal onboarding friction.
The Bitsa Card pays up to 15% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in EEA, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn up to 15% 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 want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Bitsa Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Free tier available; up to EUR 15,000/day (Pro); IBAN/SEPA; Apple Pay; up to 15% cashback on Pro
- Works wherever Visa is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
- No-KYC option with minimal verification
Cons
- 2% FX; EUR 69.99/year for Pro; EEA only; not available in UK or USA; EUR 450 ATM limit
- Card issuance fee: Free (Free tier); EUR 8.99/month (Move); EUR 69.99/month (Pro)
- Annual fee: Included in tier pricing
- Custodial: the issuer holds your funds
- Only available in certain regions
How to Get the Bitsa Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Bitsa account
A few minutesGo to the Bitsa website or download the app. Sign up with your email, pick a password, and accept the terms.
Check which tier needs verification
Depends on tierBitsa Card has a no-KYC tier, so basic use doesn't require identity documents. Higher limits or extra features may still ask for ID — the app shows what each tier requires.
Fund your card
Usually instantLoad your card with Crypto (ETH, BTC), bank transfer, vouchers through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Bitsa Card shows up in the Bitsa 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 Bitsa 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.
Common questions about the Bitsa Card
What are the fees for the Bitsa Card?
How does the Bitsa Card cashback work?
Where is the Bitsa Card available?
What cryptocurrencies does the Bitsa Card support?
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