Bitsa 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 | Virtual EUR 2.50; Physical EUR 20 (all plans). Plans: Move EUR 0.99/month (EUR 8.99/year); Pro EUR 9.99/month (EUR 69.99/year) |
|---|---|
| Annual fee | Included in tier pricing |
| FX fee | 1.75% outside the eurozone; 2% rest of world |
| ATM limit | EUR 450 per day outside Spain; the ATM operator's fee is passed on in Spain and the eurozone; elsewhere EUR 0.55 + 1%, minimum EUR 0.75 |
| Spending limit | Purchase limit: Free EUR 1,500, Move EUR 5,000, Pro EUR 15,000; the period is not stated. Maximum balance: Free EUR 2,500, Move EUR 15,000, Pro unlimited |
Fees change; the current ones are in Bitsa’s terms.
Features
- Cashback: Up to 15% cashback via partner gift cards/coupons (Spotify, Sony, Nintendo, etc.) at select partners only; 0% general spend cashback
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: Crypto (BTC, ETH and other supported coins, up to EUR 20,000 a day), bank transfer, external debit or credit card…
Full list
… (1.5% after the free top-ups), wallet, Bitsa voucher (0% to 6%)
- Available countries: Spain, France, Germany, Italy, Portugal, Netherlands, Austria, Belgium, and other EEA nations
Who issues the Bitsa Card
The Bitsa 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 Bitsa Card with crypto; the 2 assets we track for it are listed below.
Pros and cons
Pros
- Free plan with no maintenance fee
The fine print
- Spanish IBAN with SEPA Instant
- Apple Pay and Google Pay
- Purchase limit up to EUR 15,000 on Pro
- Crypto top-ups up to EUR 20,000 a day
Cons
- 1.75% FX outside the eurozone and 2% elsewhere
The fine print
- Every card costs EUR 20 physical or EUR 2.50 virtual, even on the free plan
- EEA residents only
- ATM cash outside Spain capped at EUR 450 a day
- Cashback only on partner-brand purchases
- Card issuance fee: Virtual EUR 2.50
Regional availability
Available across the EEA
The Bitsa Card covers the EU member states plus Iceland, Liechtenstein and Norway.
Banking and fiat rails
Card overview
Bitsa sells a prepaid Visa on a Spanish e-money account from Pecunpay, with three plans across the EEA: Free, Move at €0.99 a month (€8.99 a year) and Pro at €9.99 a month (€69.99 a year). Even the free plan pays for the card itself, €20 for plastic or €2.50 for virtual. The plans mostly change limits. Purchases stop at €1,500 on Free, €5,000 on Move and €15,000 on Pro (Bitsa doesn't say over what period), and the maximum balance runs from €2,500 on Free to unlimited on Pro.
The "up to 15%" cashback applies only to purchases on partner platforms such as Spotify, Sony and Nintendo; ordinary spending earns nothing on any plan. FX is 1.75% outside the eurozone and 2% elsewhere. ATM cash outside Spain stops at €450 a day, and outside the eurozone each withdrawal costs €0.55 plus 1%. Funding accepts BTC, ETH, LTC and others through generated deposit addresses, converted to euros on arrival (up to €20,000 a day), plus bank transfer, cards and vouchers.
A Spanish IBAN with SEPA Instant comes with the account, Apple Pay and Google Pay work, and identity verification is required. Best fit: EU users who want a cheap prepaid card with an IBAN and do not need cashback. Avoid the Pro upgrade if rewards were the reason.
Common questions about the Bitsa 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.
