Bitstack 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
A French MiCA-licensed issuer paying 1% back in Bitcoin on every euro spent, with no cap. That's a clean pitch, and the issuer claims a European first with it. Bitstack's card costs 9.99 EUR, adds automatic round-ups that sweep spare change into BTC, comes with a French IBAN on SEPA rails, and works in Apple Pay and Google Pay across roughly 19 European countries. 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 is capped at 200 EUR monthly before fees kick in, 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.
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.
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: Physical only
- Top up with: EUR (fiat); automatic Bitcoin purchases from EUR spending
- Available Countries: France (card availability; the app is available in ~20 European countries and Bitstack says the card 'will be gradually expanded to all European customers')
Banking & Fiat Rails
IBAN: Yes (French IBAN); SEPA: Yes; SWIFT: Not disclosed
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 verbatim in the card documentation. 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
Supported Cryptocurrencies
You can load the Bitstack Card with crypto; the asset we track for it is listed below. 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 holders who want their balance to keep earning while it sits on the card.
The Bitstack Card pays up to 1% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in Card: France only; the Bitstack app is available in ~20 European countries, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn up to 1% 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 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% cashback on eligible purchases
- Works wherever Visa is accepted worldwide
- Covers the European Economic Area (EEA)
- 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
- Full KYC required, no anonymous tier
How to Get the Bitstack Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Bitstack account
A few minutesGo to the Bitstack website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerBitstack runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad 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.
Receive and activate your card
Shipping variesYour physical Bitstack Card ships to your address — delivery time depends on your country. Activate it in the Bitstack app.
Requirements
Regional Availability
Available Across the EEA
The Bitstack 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 Bitstack Card
What are the fees for the Bitstack Card?
How does the Bitstack Card cashback work?
Where is the Bitstack Card available?
What cryptocurrencies does the Bitstack Card support?
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