Starter
- Card material
- Standard Visa debit
- Monthly limit
- €10,000
- Issuance fee
- Free
- Requirements
- Basic KYC (ID + selfie)
- Instant virtual card
- €15,000 lifetime deposit limit
- €10,000 daily spending limit
DeFi maxiWallester AS (Estonia)visa● Live
Bitrefill Card
Crypto debit card with virtual and physical Visa options, cashback, and tiered limits.
Crypto-funded Visa card by Bitrefill with virtual and physical card options, deposit and spending cashback, and tiered KYC-based limits.
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Best for
EU/EEA residents spending crypto from Bitcoin Lightning, Ethereum, Polygon, and Solana.
Skip if
You want cashback rewards or live outside the 28 eligible EU/EEA countries.
Network
visa
Custody
hybrid
KYC
full
Max cashback
2%
Min monthly fee
$0
Apple Pay
No
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- No monthly maintenance fee
- No issuing fee
- Supports both virtual and physical cards
- Offers cashback on deposits and purchases
- Allows crypto top-ups from supported wallets
Watch outs
- EU/EEA-only availability is restrictive
- Cash-out/ATM features have limits and may be unavailable in some cases
- Cashback is paid as Bitrefill store credit rather than cash
- No monthly fees, but a 1.99% fee on all crypto deposits.
- Supports Bitcoin Lightning, but offers 0% cashback rewards.
- Available in 28 EU/EEA countries, but excludes US/UK/Canadian residents.
Basic information
The Bitrefill Card is a Visa prepaid debit card that serves as a bridge between cryptocurrency holdings and conventional payment systems, allowing users to convert their digital assets into spendable euros for everyday purchases at any merchant that accepts Visa.
Fees
Fee Type Amount Card Issuance: Free (virtual and physical) Monthly/Annual Fee: €0 Replacement Fee: €10 (for lost/damaged physical cards) Crypto Deposit Fee: 1.99% fixed + variable exchange cost Transaction Fees (EUR): €0 Foreign Exchange Fee: €0 (Visa exchange rate applies) ATM Withdrawal Fee: 2.49% per withdrawal SEPA Cash-Out: Free (within spending limits; shares limits with payments) Inactivity Fee: €10 monthly (after 12 months of inactivity; only if sufficient funds remain; 1-month and 1-week email notices; card deactivates at €0)
Spending & ATM 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)
Features
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
- Available exclusively to EU/EEA residents (including Norway and Iceland)
Main Advantages
- Transparent fee structure with no hidden charges
- 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)
Rewards
The Bitrefill Card focuses on simplicity and transparency rather than complex reward structures: - No built-in cashback on card spending - No staking requirements for card use - Zero transaction fees for EUR purchases - No foreign exchange fees (Visa exchange rate applies for non-EUR transactions) - Multiple cryptocurrency funding options including Bitcoin Lightning Network - No monthly maintenance fees
Availability
Available to EU/EEA residents only; some countries and services are restricted.
Top-up & funding
- Bitcoin (on-chain)
- Bitcoin Lightning Network
- Ethereum
- USDC (Ethereum, Polygon, Solana)
- USDT
- BNB
- POL (Polygon)
- SOL (Solana)
Instant settlement
Security & custody
- 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
Mobile wallets
Apple Pay—
Google Pay—
Samsung Pay—
Card tiers
Plus
- Card material
- Standard Visa debit
- Monthly limit
- €15,000
- Issuance fee
- Free
- Requirements
- Full KYC (ID, selfie, proof of address, source of funds)
- Unlimited crypto deposits
- Unlimited lifetime deposit limit
- €10,000 daily spending limit
Banking 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.
What users say
App Store
4.7/5.0 (372 ratings)
Google Play
4.5/5.0 (2,468 ratings)
Trustpilot
4.8/5.0 (2,361 ratings)
Generally positive, with Bitrefill maintaining a 4.8/5 Trustpilot score overall
Risks & limitations
Risks
- CounterpartyIf provider disappears, card balance is lost - only unconverted crypto remains accessible
Limitations
- moderate1.99% fee on all crypto deposits plus variable exchange cost
- majorRestricted to EU/EEA countries only (excluding Hungary)
- majorNot available to US citizens regardless of residency
- moderateNot available to Russian Federation citizens (unless holding dual EU/EEA citizenship)
- minor€200 contactless payment limit per transaction
- moderateNo built-in cashback or reward program
- minor€10 monthly inactivity fee after 12 months without transactions
- moderateSEPA cash-out unavailable for Swedish residents
- minorCannot use mobile numbers from Kyrgyzstan or Tajikistan for signup
Roadmap
Recently shipped
- 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
Planned
- Apple Pay integration available soon
Best suited 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.
Our verdict
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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