Virtual Card (No-KYC)
- Cashback
- No
- Card material
- Virtual only
- ATM free
- Not available
- Monthly limit
- $10,000 USD
- Issuance fee
- Free
- Requirements
- None - no KYC required
- Instant delivery (~3 minutes)
- Multiple virtual cards allowed
- Privacy-focused
DeFi maxiBit.Store through licensed entities including Bitstore Europe UABboth● Live
Bit Store Card
Custodial prepaid Visa/Mastercard with a no-KYC virtual card option for spending 40+ cryptocurrencies.
Bit.Store Card is a prepaid crypto payment card offering virtual (no-KYC), physical (KYC-required), and gift card formats for spending digital assets at Visa and Mastercard merchants worldwide. It supports over 40 cryptocurrencies with fiat conversion for purchases and ATM withdrawals.
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Best for
Privacy-conscious users wanting a no-KYC virtual card for spending 40+ cryptocurrencies.
Skip if
You need reliable fund access, as many users report prolonged service outages.
Network
both
Custody
custodial
KYC
limited
Max cashback
1%
Min monthly fee
$1
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- No-KYC virtual card option available.
- Available in 150+ countries.
- Supports 40+ cryptocurrencies and BRC-20 tokens.
- Integrates with Apple Pay and Google Pay.
- 1.5% crypto and 2% EUR reload fees.
Watch outs
- Critical reliability issues reported throughout 2025.
- €1 monthly fee charged during service outages.
- Physical card limited to a €50,000 monthly load.
- Unclear cashback rate (est. 0.5-1%).
- 2% foreign transaction fee outside Europe.
- No-KYC virtual card has a $10,000 monthly limit.
- 1.5% crypto reload fee and €1 monthly fee apply.
Basic information
{"card_type":"Prepaid Debit Card","card_network":"Mastercard (physical cards), Visa/Mastercard (virtual cards)","issuer_name":"Bit.Store through licensed entities including Bitstore Europe UAB (Lithuanian EMI #306465386)","availability_summary":"150+ countries (excludes US, China, Russia)","key_feature":"No-KYC virtual card option with global acceptance","operational_warning":"Multiple user reports from January through October 2025 indicate that many cardholders have been unable to access their funds or use their cards for extended periods, with Bit.Store citing ongoing \"maintenance.\""}
Spending & ATM limits
- Notes
- Maximum balance: $10,000 USD (virtual) / €100,000 (physical). Daily load limit: €5,000 (physical). Minimum load: $15 USD equivalent in crypto.
- Atm Daily
- €2,000 (physical card only)
- Daily Spending
- €5,000 (physical card)
- Monthly Spending
- $10,000 USD (virtual) / €50,000 (physical)
Rewards
| Tier | Rate | Up to |
|---|---|---|
| default | 0.75% | — |
Availability
Available in 54 countries across Europe (all EEA countries plus UK and Switzerland), Americas (Canada, Argentina, Brazil, Chile, Colombia, Peru), Asia-Pacific (Hong Kong, Singapore, Indonesia, Malaysia, Philippines, Thailand, Vietnam, India, Bangladesh, Australia, New Zealand), and Africa/Middle East (Egypt, Nigeria, Kenya, UAE, Saudi Arabia). Restricted in 8 countries including United States (despite holding MSB license), China, Russia, Belarus, and sanctioned jurisdictions.
Top-up & funding
- Cryptocurrency (40+ supported)
- EUR
- Bit.Store web app
- Telegram bot
- Integrated exchange platforms (Gate Pay, Binance Marketplace)
Minutes after blockchain confirmations
Security & custody
- 2-Factor Authentication (2FA)
- EMV chip and PIN (physical cards)
- NFC/contactless with security limits
- Card freezing capability through app
- AML monitoring for suspicious activity
Risk note. If the provider disappears, users may lose access to their funds. No specific insurance coverage for crypto deposits is mentioned.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Physical Card (KYC-Verified)
- Cashback
- Approximately 0.5-1% in $STORE token
- Card material
- Physical plastic with EMV chip, PIN, NFC
- Monthly limit
- €50,000
- Issuance fee
- €29.50
- Requirements
- Full identity verification (identity document, selfie, possibly proof of address)
- ATM access worldwide
- Up to 3 physical cards per verified account
- €100,000 maximum balance
- €5,000 daily load limit
- €5,000 daily payment limit
- €2,000 daily ATM withdrawal
What users say
Trustpilot
2.0/5
Poor rating largely due to reliability issues that have persisted well beyond initial late-2024 problems. Positive aspects noted include easy sign-up, global acceptance, and low fees when working properly.
Risks & limitations
Risks
- CounterpartyExtended service outages with users unable to access funds for months
- CounterpartyMonthly fees continue to be deducted during service disruptions from trapped balances
- CounterpartyUnresponsive or unhelpful customer support during crises
- CounterpartyDependency on Alchemy Pay payment infrastructure may contribute to reliability issues
- SecurityFully custodial model with no mentioned insurance presents security risks
- RegulatoryNo-KYC virtual card operates in regulatory gray area; regulations around crypto cards are evolving rapidly
Limitations
- majorCRITICAL: Extended service outages continuing into 2025 with many users unable to access funds for months
- majorMonthly maintenance fees continue even during extended service outages
- majorFully custodial model with no insurance coverage mentioned
- majorPoor customer support responsiveness during service disruptions
- moderateNot available in the United States despite holding MSB license
- minorPhysical card limited to €50,000 monthly loads and €5,000 daily loads
- minor2% EUR reload fee / 1.5% crypto reload fee when loading the card
- minorLimited transparency around exact cryptoback reward rates
- minor2% foreign transaction fee outside Europe
- minorMay not work for certain pre-authorization holds (car rentals, hotels)
Roadmap
Planned
- Dedicated mobile app (development status unclear)
Best suited for
Privacy-conscious users who prioritize minimal KYC requirements, global crypto enthusiasts in underserved regions, and risk-tolerant users willing to adopt a spend-as-you-go approach with amounts they can afford to lose access to
Our verdict
The Bit.Store Card offers an ambitious crypto spending solution with several compelling features, including no-KYC options, broad global availability, support for numerous cryptocurrencies, and integration with major payment networks. The tiered approach provides flexibility from the free virtual card for privacy-conscious users to the higher-limit physical card with cryptoback rewards. However, the service has been plagued by critical reliability issues that have persisted and worsened throughout 2025. Multiple user reports from January through October 2025 indicate that many cardholders have been unable to access their funds or use their cards for extended periods, with Bit.Store citing ongoing "maintenance." During these outages, monthly fees continue to be deducted from trapped balances, and customer support has been largely unresponsive. While the card's features are competitive on paper—with reasonable reload fees (1.5% crypto, 2% EUR), no staking requirements, and extensive global coverage—these benefits are completely overshadowed by operational failures. The concept and feature set show promise, but execution has fallen dramatically short of promises, making trust and reliability the biggest limiting factors for this otherwise innovative crypto card solution. Until Bit.Store demonstrates sustained reliability, restores service for affected users, and improves customer support, this card cannot be recommended. Users who choose to proceed despite these warnings should adopt a strict "spend-as-you-go" approach by loading only amounts they are fully prepared to potentially lose access to for indefinite periods.
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