What is Bitsa Card?
Bitsa Card is a prepaid Visa debit card designed for European Economic Area (EEA) residents who want a simple, bank-free way to manage euros and cryptocurrencies in one app. Issued by Pecunpay and operated by BITSA...
Bitsa Card 
Prepaid Visa card with crypto top-ups, IBAN & up to 15% cashback
Status: Live
Issued by Bitsa
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Card Overview
Custody Type
custodial
Card Type
Debit Card
Material
Virtual & Plastic
KYC
Standard
Bitsa Card is a prepaid Visa debit card designed for European Economic Area (EEA) residents who want a simple, bank-free way to manage euros and cryptocurrencies in one app. Issued by Pecunpay and operated by BITSA SAS (France), it is available in 27 EEA countries and accepted at millions of Visa merchants worldwide.
Pros
Spain-based card issuer, so some fees are lower for Spain residents
Quick and knowledgeable customer service agents
Cons
Auto-converts crypto deposits to EUR, instead of adding to crypto balance
No crypto swap, just buy/sell to EUR
Help articles haven't been updated for 3+ years
Rewards & Staking
Max Cashback
15% (Bitsa Rewards)
On eligible purchases
Reward Token
EUR (Gift Cards / Vouchers)
Paid out in EUR (Gift Cards / Vouchers)
Staking APY
N/A
On staked assets
Reward specifics
Boost Multiplier N/A
Monthly Cap N/A
Payout Frequency N/A
Welcome Bonus N/A
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
Supported Assets
Chains
Tokens
Card Options
Virtual Card: Instant digital issuanceVirtual Card
Issuance €2.50
Replacement N/A
Physical Card
Material Plastic
Issuance €20
Shipping Free
Replacement N/A
Lifestyle & Perks
Not Offered
Airport Lounge
Not Offered
Crypto Events Shuttle
Not Offered
Airport Transfers
Not Offered
Priority Boarding
Discounted
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
Fee Structure Forever Free
FX Fee 1.75% - 2%
ATM Withdrawal Free (Spain); €2.50 (eurozone); €0.55 + 1% intl
ATM (Domestic) N/A
ATM (Intl) N/A
Fee After Limit N/A
Inactivity Fee €120/year + €25/mo after 6mo inactivity
Top Up Fee Free (2/month Free plan, 3/month Move, 4/month Pro); then 1.5%
Liquidation Fee 1.89% - 2.39%
Custody Fee None
Usage Limits & requirements
Daily Spend Limit €1.500
Monthly Spend Limit €1,000/mo (Free); €5,000/mo (Move); Unlimited (Pro)
ATM Withdrawal Limit €350/day (Free); €500/day (Move); €2,000/day (Pro)
Free ATM Limit €450
Max Balance €2,500 (Free); €15,000 (Move); Unlimited (Pro)
Min Balance N/A
Top Up Limits €500/day, €1,000/mo (Free); €1,200/day, €5,000/mo (Move); Unlimited (Pro)
Technical Features
Integrations
Contactless
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 Yes
Account Type IBAN
Direct Deposit Yes
Bill Pay No
Instant Issuance No
Self Custody No
Dual Mode (Switch) No
Funding & Withdrawals
On Ramp
AvailableFunding Options
Card Payment Bank Transfer
On-Ramp Fees
1.5% (after free top-ups); 0-6% via vouchers
On-ramp: Top up via external card (2 free/month on Free plan, 1.5% thereafter), SEPA bank transfer, crypto deposit (auto-converts to EUR), or Bitsa vouchers (0-6% fee). Crypto reloads limited to €10,000/day. Off-ramp: Sell crypto to EUR balance, then withdraw via SEPA transfer (€1 fee for Free plan; free for Pro plan).
Off Ramp
AvailableOff-Ramp Options
Bank Transfer
Off-Ramp Fees
1.89% - 2.39% (crypto sell fee)
Operations & Support
Support Channels
Support Tier standard
Support Type Email, Telegram
Hours 24/7
Dedicated Manager No
Response SLA <24 hours
Geographic Availability
KYC Requirements
StandardEmail ID
Required
Phone Number
Required
Government ID
Required
Home Address
Required
Bank Statements
Not Required
Supported Countries of Residence
Available
Not available
27
countries
View country list (27 countries)
AustriaBelgiumCyprusCzechia (Czech Republic)DenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSweden
Countries where cardholders can reside to be eligible for this card
Serviceable Coverage Countries
Available
Not available
188
countries
View country list (188 countries)
AfghanistanAlbaniaAlgeriaAndorraAngolaAntigua and BarbudaArgentinaArmeniaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelgiumBelizeBeninBhutanBoliviaBosnia and HerzegovinaBotswanaBrazilBruneiBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCentral African RepublicChadChileChinaColombiaComorosCongoCosta RicaCroatiaCyprusCzechia (Czech Republic)Democratic Republic of the CongoDenmarkDjiboutiDominicaDominican RepublicEast TimorEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaEuropean UnionFijiFinlandFranceGabonGambiaGeorgiaGermanyGhanaGreeceGrenadaGuatemalaGuineaGuinea-BissauGuyanaHaitiHoly SeeHondurasHungaryIcelandIndiaIndonesiaIraqIrelandIsraelItalyIvory CoastJamaicaJapanJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMauritaniaMauritiusMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMoroccoMozambiqueNamibiaNauruNepalNetherlandsNew ZealandNicaraguaNigerNigeriaNorth MacedoniaNorwayOmanPakistanPalauPalestine StatePanamaPapua New GuineaParaguayPeruPhilippinesPolandPortugalQatarRomaniaRwandaSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth KoreaSouth SudanSpainSri LankaSurinameSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTogoTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTuvaluUAEUgandaUkraineUnited KingdomUnited StatesUruguayUzbekistanVanuatuVietnamYemenZambiaZimbabwe
Countries where the card can be used for transactions
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Community
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Frequently asked questions about Bitsa Card
Direct answers to the questions people ask most before they compare or apply for this card.
What rewards does Bitsa Card offer?
Bitsa Card offers up to 15% (Bitsa Rewards) cashback, rewards are paid in EUR (Gift Cards / Vouchers).
What fees does Bitsa Card charge?
Key charges include fee model: Forever Free, FX fee: 1.75% - 2%, ATM fee: Free (Spain); €2.50 (eurozone); €0.55 + 1% intl, inactivity fee: €120/year + €25/mo after 6mo inactivity.
Where is Bitsa Card available?
Bitsa Card is available in Afghanistan, Albania, and Algeria, plus 185 more markets, current status: Live.
Which assets can you spend with Bitsa Card?
Bitsa Card supports BTC, ETH, LTC, XRP, and TRX, plus 13 more assets for spending, supported chains include Ethereum, Tron, Bitcoin, and Litecoin.
Review the official legal details for Bitsa Card on their website.
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