Rewards hunterPECUNIA CARDS EDE, S.L.U. (PECUNPAY)mastercard● Live

Bit2Me Card

Name: Bit2Me Card
Brand: PECUNIA CARDS EDE, S.L.U. (PECUNPAY)
Availability: InStock

Debit Mastercard from Bit2Me that lets EEA users spend crypto and euros globally with up to 7% cashback in B2M and no maintenance fees.

Bit2Me Card is a **Mastercard debit crypto card** issued for Bit2Me exchange users, allowing spending of selected cryptocurrencies and euros at any merchant that accepts Mastercard, with up to **7% cashback in B2M token** and no maintenance fees.[1][2] It is available as both a physical and virtual card and is managed through the Bit2Me mobile app.[1][3]

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Best for

EEA residents seeking high B2M token cashback (up to 7%) via tiers.

Skip if

You live outside the EEA/Argentina or want cashback without holding B2M tokens.

Network

mastercard

Custody

custodial

KYC

full

Max cashback

Min monthly fee

Apple Pay

Yes

Google Pay

Yes

Physical card

Yes

The verdict

What we like

No issuance or maintenance fees for the card, according to Bit2Me support and marketing materials.[1][5]
Up to 7% cashback in B2M on all purchases when using Space Center/Bit2Me Life promotions.[1][7]
Available both as physical and virtual Mastercard, usable at millions of merchants worldwide.[1][2]
Supports spending in cryptocurrencies and euros; Bit2Me converts crypto to fiat at the point of sale.[1][2][3]
Can be added to Google Wallet and used for contactless NFC payments and mobile payments.[4]
Instant on/off switch and ability to change the funding wallet (crypto/fiat) from the app at any time.[3][4]

Watch outs

Available only to EEA residents (virtual) and EEA/Spain (physical shipping).[1]
ATM withdrawals are not available with the virtual card.[5]
Rewards are paid in B2M token, adding token price risk.[1]
Full KYC with Bit2Me is required to get and use the card.[3]

Up to 7% cashback, but requires holding B2M tokens for high tiers.
No-fee virtual card, but physical card costs up to €20 plus delivery.
0.95% crypto conversion fee, but 0% fee when spending from EUR wallet.

Basic information

The Bit2Me Card is a Mastercard debit card that allows users to spend cryptocurrencies and stablecoins by converting them to fiat in real-time at the point of purchase. It is available in both virtual and physical formats to verified residents of most European Economic Area (EEA) countries (excluding Ireland) and Argentina (virtual only). The card is issued by Pecunia Cards EDE, S.L.U., an Electronic Money Institution supervised by the Bank of Spain. Benefits are tied to a multi-level 'Space Center' tier system, which determines cashback rates, fees, and spending limits. The card supports major assets like BTC, ETH, and SOL, and integrates with Apple Pay and Google Pay.

Fees

Virtual Card Issuance: Free
Physical Card Issuance: €0 (Level 5-7), €5 (Level 4), €10 (Level 3), €20 (Level 0-2)
Physical Card Delivery (Outside Spain): +€5 surcharge
Card Maintenance: €0

Transaction Fees

Crypto-to-Fiat Conversion: 0.95%
EUR Wallet Spending: 0%
SEPA Payments (Non-Euro): 1.75%
Foreign Currency Payments (Rest of World): 2.00%

ATM Withdrawal Fees

Spain: €0
Eurozone (International): €2.50
Outside Eurozone: €0.55 + 1% (minimum €0.75)
Note: ATM withdrawals are not available with the virtual card.

Spending & ATM limits

Notes: Level 0-1: €1,000 transaction/daily, €5,000 monthly, €50,000 annual. Level 2: €1,500 transaction/daily, €10,000 monthly, €100,000 annual. Level 3: €2,000 transaction/daily, €15,000 monthly, €150,000 annual. Level 4-7: €2,500 transaction/daily, €20,000 monthly, €200,000 annual. Minimum purchase amount: €0.30.
Daily Spending: €1,000-€2,500 depending on tier
Per Transaction: €1,000-€2,500 depending on tier
Monthly Spending: €5,000-€20,000 depending on tier

Features

Card Network: Mastercard
Card Formats: Virtual and Physical
Funding: No pre-loading required; funds are deducted directly from a selected Bit2Me crypto or fiat wallet (BTC, ETH, SOL, USDC, EUR, etc.) at the time of purchase.
Wallet Switching: Instantly change the funding wallet via the Bit2Me app.
Ecosystem Integration: Seamlessly connects with the Bit2Me platform, including Bit2Me Earn for staking rewards and Bit2Me Life for extra merchant cashback.

Security & Control

Card Management: Instantly block and unblock the card via the app.
Alerts: Real-time transaction notifications.
Authentication: Supports 3DS and 2FA for enhanced security.

Rewards

### Cashback Program - **Reward Token:** All cashback is paid in B2M tokens. - **Base Cashback:** A tiered system based on the user's 'Space Center' level, ranging from 0% to 7% on eligible purchases. - **Spending from EUR Wallet:** 0% cashback, regardless of tier. - **Ecosystem Bonuses:** Rewards can be increased with up to +7% from Bit2Me Earn staking and up to +25% from Bit2Me Life partner merchant offers. - **Exclusions:** No cashback is earned on financial services, casinos, lotteries, or betting. ### Monthly Cashback Caps - **Level 7:** €900 - **Level 6:** €500 - **Level 5:** €300 - **Level 4:** €100 - **Level 3:** €30 - **Level 2:** €15 - **Level 1:** €7.50 - **Level 0:** No cashback

Availability

The **virtual Bit2Me Card** can be requested from **anywhere in the EEA** via the Bit2Me app.[1] The **physical card** can be requested by users who are **fiscal residents in Spain** (shipping within Spain) or in other **EEA countries**.[1] The product is targeted to EU/EEA residents only.[1][2]

Top-up & funding

No pre-loading required - funds deducted from selected Bit2Me crypto or fiat wallet at purchase

Real-time at point of purchase

Security & custody

Instant card blocking/unblocking
Cold wallet protection for crypto storage
Real-time transaction notifications
Multi-factor authentication (3DS and 2FA)

Risk note. If the provider becomes insolvent or experiences a security breach, users may lose access to their crypto assets.

Mobile wallets

Apple Pay Supported

Google Pay Supported

Samsung Pay Not supported

Card tiers

Level 0

Cashback: 0%
Monthly limit: €5,000
Issuance fee: €0 (virtual); €20 (physical)
Requirements: 0 points

No cashback
€1,000 transaction limit
€1,000 daily limit

Level 1

Cashback: 0.25%
Monthly limit: €5,000
Issuance fee: €0 (virtual); €20 (physical)
Requirements: 1,000 points

€7.50 max monthly cashback
1% fee discount
6% extra APY on Earn
10% Launchpad likelihood
Travel and accommodation discounts via Bit2Me Life

Level 2

Cashback: 0.5%
Monthly limit: €10,000
Issuance fee: €0 (virtual); €20 (physical)
Requirements: 2,000 points

€15 max monthly cashback
5% fee discount
8% extra APY on Earn
30% Launchpad likelihood
€1,500 transaction/daily limit

Level 3

Cashback: 1%
Monthly limit: €15,000
Issuance fee: €0 (virtual); €10 (physical)
Requirements: 3,000 points

€30 max monthly cashback
15% fee discount
11% extra APY on Earn
50% Launchpad likelihood
€2,000 transaction/daily limit

Level 4

Cashback: 2%
Monthly limit: €20,000
Issuance fee: €0 (virtual); €5 (physical)
Requirements: 4,000 points

€100 max monthly cashback
30% fee discount
14% extra APY on Earn
70% Launchpad likelihood
€2,500 transaction/daily limit

Level 5

Cashback: 3%
Monthly limit: €20,000
Issuance fee: €0 (virtual); €0 (physical)
Requirements: 5,000 points

€300 max monthly cashback
50% fee discount
15.5% extra APY on Earn
90% Launchpad likelihood
€2,500 transaction/daily limit

Level 6

Cashback: 5%
Monthly limit: €20,000
Issuance fee: €0 (virtual); €0 (physical)
Requirements: 6,000 points

€500 max monthly cashback
75% fee discount
17% extra APY on Earn
95% Launchpad likelihood
€2,500 transaction/daily limit

Level 7

Cashback: 7%
Monthly limit: €20,000
Issuance fee: €0 (virtual); €0 (physical)
Requirements: 9,000 points

€900 max monthly cashback
100% fee discount
19.2% extra APY on Earn
100% Launchpad likelihood
€2,500 transaction/daily limit

What users say

App Store

4.3/5.0 (18 ratings)

Google Play

3.9/5.0 (8,439 ratings)

Trustpilot

3.8/5.0 (2,142 ratings)

Limited direct user feedback specifically about the card due to recent launch (early 2023). Benzinga's review of the overall Bit2Me platform notes 'It's a struggle to find any negative points,' though this refers to the entire ecosystem rather than specifically to the card.

Risks & limitations

Risks

CounterpartyCustodial model means users do not hold private keys; if provider disappears, users lose access to their crypto

Limitations

majorCurrently limited to European Economic Area (excluding Ireland) and Argentina residents
moderateArgentina users receive virtual card only with different cashback structure (max 3.5%)
minorPhysical card delivery initially prioritized for Spain (€5 surcharge outside Spain)
moderateLower-tier users receive minimal or no cashback benefits with monthly caps
minorNo cashback for financial services, casinos, lotteries, and betting houses
minorLimited user feedback available due to recent launch (early 2023)
minorEUR wallet linking provides no cashback despite 0% conversion fee
moderateNo ATM withdrawals with virtual card
minorForeign transaction fees apply outside the Eurozone (1.75%-2.00%)
moderateMonthly cashback caps may limit rewards for high spenders

Best suited for

Active crypto investors in supported EEA countries or Argentina who want to use their holdings for everyday expenses, frequent shoppers who can maximize cashback rewards, and existing Bit2Me users who can leverage their Space Center tier for enhanced benefits.

Our verdict

Crypto debit Mastercard for EEA users with up to 7% cashback in B2M, no maintenance fee, and strong mobile integration, but currently limited to EEA residents and requires full Bit2Me KYC.

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