Bitstack 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 | €14.98 including delivery (Standard); €9.99 including delivery on Bitstack Plus monthly; free with Bitstack Plus annual |
|---|---|
| Annual fee | Free (Standard); Bitstack Plus is optional at €2.99 a month or €29.99 a year |
| FX fee | About 1% on foreign-currency spending above a free allowance of €1,000 a month (€3,000 on Bitstack Plus), at the Visa exchange rate |
| ATM limit | €200 a week and €1,000 a month; free up to €200 or 5 withdrawals a month, then €1 or 1% per withdrawal, whichever is higher |
| Spending limit | €5,000 a month in card payments; the limits cannot be changed |
Fees change; the current ones are in Bitstack’s terms.
Features
- Cashback: Up to 1.5%
The fine print
- 0.1% Stackback in bitcoin on every eligible purchase
- 1% on a monthly slice of spending set by last month's executed recurring buys and round-ups, from the first €200 (€60 to €99 saved) to the first €1,500 (€400 or more saved), then back to 0.1%
- Up to 1.5% with Bitstack Plus
- KYC: Yes
- Card type: Physical only; a virtual card is planned with no date given
- Top up with: EUR into the Bitstack cash account by SEPA transfer, standard or instant, free, or Easy Bank Transfer, free
Full list
- Bank card, Apple Pay or Google Pay deposits cost 0.70%
- Bitcoin sales credit the cash account
- Available countries: France only for the card; the Bitstack app is available in 20 European countries and the card rollout to other countries has no date
Who issues the Bitstack Card
The Bitstack Card is issued by Xpollens, France (ACPR, CIB 16528); RCS Paris 501586341 (Electronic money institution (EMI)). The issuer is named in the source linked below. Bitstack Digital Assets SAS operates "as an agent of Xpollens", so the licence is Xpollens' and the brand is Bitstack's.
Primary source · All cards issued by Xpollens · Why the issuer matters
Pros and cons
Pros
- 0.1% back in bitcoin on every eligible purchase and 1% on a monthly slice of spending for regular savers, up to 1.5%…
The fine print
- … with Plus
- Round-ups into bitcoin with no conversion fee
- French IBAN with free SEPA transfers
- MiCA CASP licence from the AMF
- No annual maintenance fee
Cons
- Card only for residents of France
The fine print
- Physical card only, no virtual card and no Google Pay yet
- €14.98 card fee on the free plan
- The 1% rate needs recurring bitcoin savings and stops after €200 to €1,500 of spending a month
- ATM cash capped at €200 a week
- Bitcoin only, no other crypto
- Card issuance fee: €14.98 including delivery (Standard)
Regional availability
Available in France
France only. The Bitstack app itself runs in 20 European countries; not available in the United Kingdom.
Banking and fiat rails
Card overview
A French MiCA-licensed app that pays you back in bitcoin, but the headline 1% is narrower than it sounds. Every eligible purchase earns 0.1%. The 1% rate applies only to a monthly slice of spending set by last month's recurring buys and round-ups, from the first 200 EUR to the first 1,500 EUR, and Bitstack Plus lifts the top rate to 1.5%. The card costs 14.98 EUR including delivery on the free plan (9.99 EUR on Plus monthly, free on Plus annual), adds automatic round-ups that sweep spare change into BTC, and comes with a French IBAN on SEPA rails.
It is sold to residents of France only, although the app runs in 20 European countries. It is physical only, with Apple Pay since 30 June 2026 and no Google Pay yet. The caveats are age and focus: the card only entered beta in January 2026, so there is very little operating track record, FX is free only up to 1,000 EUR a month (about 1% after), ATM cash is capped at 200 EUR a week, and the whole product is Bitcoin-only. If you need an operating history, give it a year.
As a DCA-while-you-spend tool it already works.
Common questions about the Bitstack 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.
