WHAT IS BIPA AND HOW DOES IT WORK?

Bipa offers the simplest way to buy, sell, and live with Bitcoin. Through the app, Brazilians can easily integrate Bitcoin and the Digital Dollar into their daily lives. Bipa customers can make Pix payments or purchases with their credit card using Bitcoin and USDT. The conversion is automatic at the time of transfer. Customers can also register Pix keys and use the BitPix tool to receive payments in reais that are automatically converted to Bitcoin or USDT. These features allow Bipa customers to spend in reais while maximizing their exposure to stronger assets and currencies, such as Bitcoin and the US dollar.

Bitcoin and USDT trading fees vary depending on the amount traded. You can also set up recurring purchases to accumulate Bitcoin without fees. Bipa has zero fees on recurring purchases starting from the second week. https://suporte.bipa.app/hc/pt-br/articles/30249970786587-Quais-so-as-taxas-de-negociao-de-Bitcoin-e-USDT-na-Bipa

HOW DO I REQUEST A BIPA CARD?

When you negotiate R$1,000 or more in purchases and sales within a 30-day period , your card will be automatically activated .

WHAT ARE THE ADVANTAGES OF BIPA TURBO?

Bipa Turbo subscribers receive double cashback in Bitcoin on every purchase and can use Bitcoin or USDT as collateral to obtain even higher credit card limits, up to R$160,000. The Bipa Turbo subscription has a monthly fee of R$50, which can be paid via direct debit or on the credit card bill.

BIPA CARD

Status: Active

Issued by BIPA

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CREDIT MODE

Card Overview

Custody Type

CUSTODIAL

Card Type

VIRTUAL, PHYSICAL AND CREDIT

Material

Virtual

KYC

Standard

Learn about the BIPA Crypto Card, including cashback, fees, limits, key features, supported countries, card tiers, KYC requirements, Pros & Cons, and FAQs.

Pros

Cashback in Bitcoin (Satsback), up to 5% with SatsBoost

100% CDI yield on BRL collateral, paid daily in BTC

Two flexible modes: credit (HODL) and prepaid (simple spend)

Lightning Network for instant, low-fee BTC transfers

DCA recurring buys fee-free after initial period

Physical and virtual card options

PIX integration, instant BRL deposits

Regulated by Brazilian Central Bank

Cons

Brazil only, no international availability

Custodial, you don't hold your own BTC/USDT keys

Credit mode risks liquidation if collateral drops >30%

USDT limited to Ethereum and Polygon networks only

SatsBoost resets monthly, high volume required to maintain top tiers

No IBAN/SWIFT, PIX only for fiat on/off-ramp

CDI reward capped at R$200,000 collateral

Source Data

Complete tier tables exactly as published in the source catalog — no values rounded, converted, or omitted. Selecting a tier re-maps this page to that tier.

CREDIT MODE DEBIT MODE

CREDIT MODE

W BONUS NONE

REG FEE / REQ FREE

CASHBACK UP TO 5%

NEED KYC YES

FX FEE NOT DISCLOSED

APR / YIELD YES

CARD TYPE VIRTUAL, PHYSICAL AND CREDIT

CARD NETWORK mastercardMastercard

BLOCKCHAIN bitcoinBITCOINethereumETHEREUMpolygonPOLYGON

REGION BRAZIL

WALLET TYPE CUSTODIAL

MOBILE PAY YES

BANK TRANSFER YES

ATM LIMIT NOT DISCLOSED

DAILY LIMIT NOT DISCLOSED

Compare all tiers

Detail	CREDIT MODE	DEBIT MODE
W BONUS	NONE	NONE
REG FEE / REQ	FREE	FREE
CASHBACK	UP TO 5%	UP TO 5%
NEED KYC	YES	YES
FX FEE	NOT DISCLOSED	NOT DISCLOSED
APR / YIELD	YES	NO
CARD TYPE	VIRTUAL, PHYSICAL AND CREDIT	VIRTUAL AND PHYSICAL CARD
CARD NETWORK	mastercard, Mastercard	mastercard, Mastercard
BLOCKCHAIN	bitcoin, BITCOIN, ethereum, ETHEREUM, polygon, POLYGON	bitcoin, BITCOIN, ethereum, ETHEREUM, polygon, POLYGON
REGION	BRAZIL	BRAZIL
WALLET TYPE	CUSTODIAL	CUSTODIAL
MOBILE PAY	YES	YES
BANK TRANSFER	YES	YES
ATM LIMIT	NOT DISCLOSED	NOT DISCLOSED
DAILY LIMIT	NOT DISCLOSED	DYNAMIC

Source: bipa-card Updated 2026-08-18T09:54:57+00:00 · reviewed data

Rewards & Staking

Max Cashback

UP TO 5%

On eligible purchases

Reward Token

N/A

Payout details not disclosed

APR / Yield

YES

See provider for terms

Reward specifics

Boost Multiplier N/A

Monthly Cap N/A

Payout Frequency N/A

Welcome Bonus NONE

Referral Bonus N/A

Bonus APR N/A

Bonus Token N/A

Staking & Requirements

Required Token N/A

Min Stake Amount N/A

Fiat Value Req N/A

Lock-up Period N/A

Downgrade Penalty N/A

ROI Calculator

What this card actually nets you: cashback earned minus the fees and FX you pay. Defaults to $1,000/month, so drag to match your spend.

Inputs

BIPA CARD

Rates autofilled from this card

Monthly spend $1,000

Spent abroad (FX) 15%

Rates

Cashback 0% FX 0%

Net value / year

$0 / month · +0.00% effective

Effective rate

+0.00%

Break-even spend

Any spend

Cashback

FX cost

Load fee

Fees

Full details

Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.

Supported Assets

Chains

bitcoin

ethereum

polygon

Card Options

Virtual Card: Instant digital issuance

Virtual Card

Issuance N/A

Replacement N/A

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

REG FEE / REQ FREE

FX Fee NOT DISCLOSED

ATM Withdrawal N/A

ATM (Domestic) N/A

ATM (Intl) N/A

Fee After Limit N/A

Inactivity Fee N/A

Top Up Fee N/A

Liquidation Fee N/A

Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit NOT DISCLOSED

Monthly Spend Limit N/A

ATM Withdrawal Limit NOT DISCLOSED

Free ATM Limit N/A

Max Balance N/A

Min Balance N/A

Top Up Limits N/A

Technical Features

Integrations

Security

2FA Support

Biometric Auth

Card Freeze

Transaction Notifications

Dynamic CVV

Merchant Blocking

App & Usability

Spending Analytics

PIN Change in App

Spending Limits Control

Subscription Management

Budgeting Tools

Smartwatch Support

Recuring Payment Control

Dispute Filing

Receipt Capture

Split Bill

ATM Locator

Advanced & Global

Multi-currency Wallet

Crypto Auto-convert

Round-up Savings

QR Payments

Offline Mode

Carbon Tracking

Instant Card Details

Crypto Capabilities

Yield on Collateral

On-Chain History

Governance Rights

Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account N/A

Account Type N/A

Direct Deposit N/A

Bill Pay N/A

Instant Issuance N/A

Self Custody No

Dual Mode (Switch) N/A

Funding & Withdrawals

On Ramp

Not Available

Off Ramp

Not Available

Operations & Support

Support Channels

Support Tier N/A

Support Type N/A

Hours N/A

Dedicated Manager No

Response SLA N/A

Geographic Availability

KYC Requirements

Standard

Email ID

Required

Phone Number

Required

Government ID

Required

Home Address

Required

Bank Statements

Not Required

Geographic Availability

Available

Not available

1 country

View country list (1 country)

BRAZIL

Markets where this card can be used. Hover red regions for the restriction reason.

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Quick Answers

Frequently asked questions about BIPA CARD

Direct answers to the questions people ask most before they compare or apply for this card.

Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.

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Funding Methods

Bank Transfer

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