Bitrefill Card
VisahybridKYC: required
2.5 / 5
Net Reward0.0
Availability1.5
Custody & Risk3.5
Features4.0
UX4.7
The Bitrefill Card is a prepaid Visa debit card for eligible EU/EEA residents, enabling users to convert cryptocurrency to euros for everyday spending wherever Visa is accepted. It supports top-ups with multiple cryptocurrencies including Bitcoin (on-chain and Lightning), Ethereum, USDC, USDT, BNB, POL, and SOL, converting all deposits to euros with a transparent 1.99% fee plus variable exchange cost.
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Slug: bitrefill-card
Our Verdict
EU-based crypto enthusiasts who want to use their digital assets for everyday purchases, Lightning Network users who appreciate fast Bitcoin deposits, fee-conscious spenders who prioritize transparent pricing over rewards programs, and multi-chain crypto holders who need support for multiple networks.
Pros and cons
Pros
- No monthly or annual maintenance fees
- Transparent fee structure with no hidden charges
- Support for multiple cryptocurrencies across various networks including Lightning Network
- No foreign exchange fees (Visa exchange rate applies)
- Instant virtual card issuance
- Two-tier verification system allowing users to choose their comfort level with KYC
- Free SEPA cash-out within spending limits
Cons
- 1.99% fixed fee plus variable exchange cost on all cryptocurrency deposits
- Limited to EU/EEA residents only (excluding Hungary)
- Not available to US citizens or Russian Federation citizens
- No built-in cashback or rewards program
- €200 contactless payment limit per transaction may be restrictive
- €10 inactivity fee after 12 months without transactions
- SEPA cash-out unavailable for Swedish residents
Supported chains
BitcoinEthereumPolygonSolana
Supported cryptos
BNBBTCETHSOLUSDCUSDT
Fees
Annual: €0
Monthly: €0
Issuance: Free (virtual and physical)
Crypto To Fiat: 1.99% + variable exchange cost
Fiat Withdrawal: Free via SEPA (within spending limits)
Purchase Transaction: €0 for EUR purchases
Key Features
- Crypto-to-euro conversion with support for BTC (including Lightning Network), ETH, USDC, USDT, BNB, POL, and SOL
- Two-tier verification system with increasing limits and capabilities
- Instant virtual card issuance with optional physical card
- No monthly fees, annual fees, or transaction fees for euro purchases
- Lightning Network support for fast Bitcoin deposits
- Free SEPA withdrawals (within spending limits)
- Google Pay integration (Apple Pay coming soon)
- No staking requirements or complex reward mechanisms
- No foreign exchange fees (Visa exchange rate applies)
- Virtual IBAN services
Limitations
- 1.99% fee on all crypto deposits plus variable exchange cost
- Restricted to EU/EEA countries only (excluding Hungary)
- Not available to US citizens regardless of residency
- Not available to Russian Federation citizens (unless holding dual EU/EEA citizenship)
- €200 contactless payment limit per transaction
- No built-in cashback or reward program
- €10 monthly inactivity fee after 12 months without transactions
- SEPA cash-out unavailable for Swedish residents
- Cannot use mobile numbers from Kyrgyzstan or Tajikistan for signup
Risks
- CounterpartyIf provider disappears, card balance is lost - only unconverted crypto remains accessibleStated in Self-Custody section
Rewards & Cashback
Notes: No built-in cashback or crypto rewards. Bitrefill's general referral program offers bonuses (e.g., $5 in BTC after certain spending), but this applies to overall Bitrefill purchases rather than card use specifically.
Cashback Rate: None - no built-in cashback
Spending Limits
Notes: Payments and cash-out transactions share the same spending limits. Minimum deposit €10 (funds don't show until combined deposits reach €10).
Atm Daily: €350
Atm Monthly: €3,000
Daily Spending: €10,000
Per Transaction: €200 contactless limit
Monthly Spending: €10,000 (Starter) / €15,000 (Plus)
Top-Up Methods
Bitcoin (on-chain)Bitcoin Lightning NetworkEthereumUSDC (Ethereum, Polygon, Solana)USDTBNBPOL (Polygon)SOL (Solana)
Max Amount: €15,000 lifetime (Starter) / Unlimited (Plus)
Min Amount: €10 (funds don't show until combined deposits reach €10)
Processing Time: Instant settlement
Banking & Financial Services
✓
IBAN
✓
SEPA Transfers
✓
Virtual Accounts
Virtual IBAN issuing for fiat deposits and withdrawals. SEPA payment support for cash-out transactions (free within spending limits). Shared transaction limits between card payments and SEPA cash-outs. Euro-denominated accounts for all card balances. SEPA cash-out functionality is temporarily unavailable for Swedish residents.
Security Features
Features: 3D Secure protection on all transactions,Instant push notifications for transaction monitoring,Ability to freeze or revoke the card instantly via the app,Two-factor authentication for account access
Custody Partners: Striga Technology AS (licensed Estonian VASP),Wallester AS (regulated Estonian fintech)
Mobile Wallet Support
Google PayiOSAndroid
Best For
EU-based crypto enthusiasts who want to use their digital assets for everyday purchases, Lightning Network users who appreciate fast Bitcoin deposits, fee-conscious spenders who prioritize transparent pricing over rewards programs, and multi-chain crypto holders who need support for multiple networks.
Custody Model
hybridUsers control private keys until depositing crypto to the card. Upon deposit, crypto is converted to EUR and held by the card provider.
Risk: If provider disappears, only unconverted crypto remains accessible to the user; card balance is lost.
Card Issuer & Compliance
Issuer Name: Wallester AS (Estonia)
Kyc Required: true
Issuer License: Estonian-regulated fintech company with Visa licensing
Platform Licenses: Wallester AS - Estonian-regulated fintech with Visa licensing,Striga Technology AS - Licensed Estonian Virtual Asset Service Provider (VASP),Airfill Prepaid AB - Platform operator under Swedish law
Availability
Available in 28 EU/EEA countries including Norway and Iceland. Restricted in Hungary. Not available to US citizens or Russian Federation citizens regardless of residency (exception: RF citizens with dual EU/EEA citizenship). Not available to citizens of internationally sanctioned jurisdictions (e.g., Iran, North Korea).
Card Tiers
Starter
PhysicalStandard Visa debit
Basic KYC (ID + selfie)
Fees
Issuance: Free
Top-up: 1.99% + variable exchange cost
Monthly: €0
Monthly Limit: €10,000
VisaGoogle Pay
Instant virtual card€15,000 lifetime deposit limit€10,000 daily spending limit
Plus
PhysicalStandard Visa debit
Full KYC (ID, selfie, proof of address, source of funds)
Fees
Issuance: Free
Top-up: 1.99% + variable exchange cost
Monthly: €0
Monthly Limit: €15,000
VisaGoogle Pay
Unlimited crypto depositsUnlimited lifetime deposit limit€10,000 daily spending limit
User Ratings
4.8/5.0 (2,361 ratings)
Trustpilot
4.5/5.0 (2,468 ratings)
Google Play
4.7/5.0 (372 ratings)
App Store
Generally positive, with Bitrefill maintaining a 4.8/5 Trustpilot score overall
Roadmap & Updates
Planned Features:
- Apple Pay integration available soon
Recent Updates:
- Tier System Update: Transitioned from three-tier system (Starter, Plus, Freedom) to two-tier system (Starter, Plus). Freedom tier with live video call verification discontinued.
- Cryptocurrency Support Expansion: Added POL (Polygon) and SOL (Solana), USDC available on three networks (Ethereum, Polygon, Solana), USDT supported for card deposits
- Minimum Deposit Update: Reduced to €10 (previously €30 for Lightning Network)
- Geographic Eligibility Changes: Added Norway and Iceland, excluded Hungary, implemented citizenship restrictions for US and Russian Federation citizens
Conclusion
The Bitrefill Card offers a straightforward, transparent solution for European cryptocurrency holders who want to utilize their digital assets in everyday life. Its greatest strengths lie in its simplicity and clarity - providing a no-nonsense way to convert various cryptocurrencies across multiple networks, including Lightning Network Bitcoin, into spendable euros without hidden fees or complex requirements. The card distinguishes itself through its zero-fee structure for regular transactions and no foreign exchange fees, while being upfront about its 1.99% deposit fee plus variable exchange costs. The two-tier verification system provides flexibility for users with different privacy preferences and spending needs, with the Plus tier offering unlimited lifetime deposits. Where the Bitrefill Card falls short is in its geographic limitations, restricting usage to EU/EEA residents (excluding Hungary) and explicitly excluding US citizens and Russian Federation citizens. Additionally, users seeking significant cashback rewards or crypto staking benefits will find the offering lacking compared to competitors who focus on rewards ecosystems. Overall, the Bitrefill Card represents an excellent option for European users who prioritize simplicity, transparency, and utility over rewards and complex features.
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