Bitstack Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(1120 reviews)Independently reviewed by Mihail B. · how we verify
Get Bitstack CardCard Overview
Bitstack Card is the first MiCA-licensed debit card offering 1% Bitcoin stackback rewards on every euro spent with no caps or limits. Featuring automatic round-up savings that convert spare change to BTC and a French IBAN for banking integration, Bitstack makes Bitcoin accumulation effortless. Perfect for long-term Bitcoin believers across Europe who want to stack sats with every coffee, meal, and purchase while maintaining traditional banking convenience.
Sweepbase verdict: Bitstack Card stands out for its up to 1% cashback rewards and on-card yield on deposited crypto — a solid fit for active spenders looking to earn crypto rewards on everyday purchases. Just keep an issuance fee (€9.99 + delivery) in mind when comparing alternatives.
This is a Visa crypto card. It offers cashback rewards. Available in Europe.
Fees & Limits
| Issuance Fee | €9.99 + delivery |
|---|---|
| Annual Fee | Free (3-year validity) |
| FX Fee | Up to €1000/month free FX; ~1% fee above that |
| ATM Limit | €200/month free (5 withdrawals), then €1 or 1% fee per transaction |
| Spending Limit | Not yet disclosed |
These figures can change. Confirm the current fees, FX and network in Bitstack’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: EUR (fiat); automatic Bitcoin purchases from EUR spending
- Available Countries: France, Germany, Spain, Netherlands, Italy, Belgium, Portugal, Ireland, Austria, Luxembourg, Finland, Estonia (12 EU countries; beta launched Jan 2026)
Banking & Fiat Rails
IBAN: Yes (French IBAN); SEPA: Yes; SWIFT: Not disclosed
Supported Cryptocurrencies
You can load the Bitstack Card with 1 cryptocurrency token. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: No direct blockchain top-up; EUR funded via IBAN, BTC stacking via round-ups
Who Is the Bitstack Card Best For?
The Bitstack Card is a good fit for crypto holders who want a simple way to spend their coins without managing wallets by hand.
The Bitstack Card pays Up to 1% Stackback in Bitcoin on all EUR spending cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in France, Germany, Spain, Italy, and ~12 European countries, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn Up to 1% Stackback in Bitcoin on all EUR spending 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 Bitstack Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- First European Bitcoin rewards card; 1% stackback with no caps; MiCA-licensed; round-up savings feature
- Earn Up to 1% Stackback in Bitcoin on all EUR spending cashback on eligible purchases
- Works wherever Visa is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
- Banking rails: IBAN / SEPA / SWIFT support
Cons
- Card just launching (beta Jan 2026); €9.99 card fee; focused only on Bitcoin (no other crypto spending)
- Card issuance fee: €9.99 + delivery
- Annual fee: Free (3-year validity)
- Custodial: the issuer holds your funds
- Only available in certain regions
- Requires KYC identity verification
How to Get the Bitstack Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Bitstack account
~5 minutesGo to the Bitstack website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. Bitstack verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with EUR (fiat); automatic Bitcoin purchases from EUR spending through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Bitstack Card shows up in the Bitstack 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 Bitstack Card covers all 27 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:
Frequently Asked Questions
Similar Cards Worth Comparing
