Bit.Store Card Review 2026
Reviewed by Mihail B. in · how we verify
Algorithmic score, not user reviews: how it is calculated
Closed to new applicants since . Cards you can still get
Fees and limits
| Issuance fee | Virtual: free; physical card discontinued |
|---|---|
| Annual fee | $1 per month (virtual card) |
| FX fee | 2.5% top-up fee in crypto; Bit.Store publishes no separate foreign transaction fee for the virtual card |
| ATM limit | None on the virtual card; ATM withdrawals were a physical card feature, and the physical card is discontinued |
| Spending limit | Virtual: $10,000 per day in payments, $10,000 per month in top-ups |
Features
- Cashback: Cryptoback advertised, rate not published; referral rewards based on invited friends' spending and top-ups
- KYC: Optional: a no-KYC tier is available
- Card type: Virtual only
- Top up with: Cryptocurrency, over 10 coins; minimum top-up $15
- Available countries: Not published for the virtual card
Who issues the Bit.Store Card
The Bit.Store Card is issued by Paytend Europe UAB, Lithuania (Lietuvos bankas); e-money licence REVOKED, effective 3 Mar 2026. The issuer is named in the source linked below. Historical: Bit.Store's notice names Paytend Europe UAB as "the third-party issuing institution of the Bit.Store physical card program" and ended that card after the Bank of Lithuania revoked Paytend's licence with effect from 3 March 2026. It does not cover the virtual card.
Primary source · All cards issued by Paytend Europe UAB · Why the issuer matters
Pros and cons before it closed
Pros
- No issuance fee; no-KYC virtual card; $10,000 monthly top-up limit; Telegram bot integration
Cons
- 2.5% top-up fee in crypto; $1 monthly fee; fully custodial prepaid card; $15 minimum top-up; physical card discontinued
- Annual fee: $1 per month (virtual card)
Regional availability
Availability not published
Published coverage for the Bit.Store Card: Not published for the virtual card.
Banking and fiat rails
Card overview
Bit.Store discontinued its physical card in March 2026. Its issuer, Paytend Europe UAB, lost its e-money licence when the Bank of Lithuania revoked it with effect from 3 March, and on 9 March Bit.Store confirmed it could no longer operate the physical card; holders were told to claim their funds from Paytend. The virtual card is the open question. It runs on Alchemy Pay's card platform, Bit.Store has posted nothing about it since March, and we could not confirm whether a new customer can still order one: ordering needs an account, which we did not open.
Its virtual card page still says "Order Your Free Card", and the configuration the app loads lists two virtual cards, "Lite" without KYC and "Normal" with KYC. Before March, Bit.Store sold a 10-dollar no-KYC virtual Mastercard capped at 10,000 dollars a month and a KYC physical card with a 100,000 EUR monthly ceiling, funded from 40+ cryptos including BRC-20 tokens via Alchemy Pay, with a Telegram bot as a working interface. Every load paid a flat 2.5% crypto-to-fiat conversion with a 15-dollar minimum, and funding ran one way: once loaded, there was no path back to crypto.
Cryptoback rewards applied only to physical-card purchases.
