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Bitsa Card

Custodial prepaid Visa card for EEA residents that converts crypto to EUR for spending.

Bitsa Card is a prepaid Visa card for European Economic Area residents that converts cryptocurrencies into euros for everyday spending. Targeting users who want crypto-to-fiat functionality without traditional banking, it offers physical and virtual cards with multi-card and parental control features.

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Best for

EEA residents needing multiple prepaid Visa cards for budgeting with EUR.

Skip if

You need self-custody, low fees, or live outside the EEA.

Network
visa
Custody
custodial
KYC
full
Max cashback
15%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • Manage up to 8 cards on Pro tier
  • 0% fee for buying cryptocurrency
  • Supports Apple Pay, Google Pay, Samsung Pay
  • Up to 15% cashback at partner retailers
Watch outs
  • Crypto sell fees from 1.89% to 2.39%
  • Only available in 28 EEA countries
  • High inactivity fees after 6 months
  • Foreign exchange fees of 1.75%-2%
  • Pay 1.89%-2.39% fees to convert crypto to spendable EUR.
  • Get Apple Pay, Google Pay, and a Spanish IBAN for transfers.

Basic information

  • Card Type: Prepaid Visa debit
  • Network: Visa
  • Availability: 28 EEA countries
  • Key Feature: Crypto-to-EUR conversion, Spanish IBAN
  • Mobile Wallets: Apple Pay, Google Pay, Samsung Pay

Fees

  • Monthly Fee: €0 (Free), €0.99 (Move), €9.99 (Pro)
  • Annual Fee: €0 (Free), €8.99 (Move), €69.99 (Pro)
  • Card Issuance: €20 (physical), €2.50 (virtual)
  • Crypto Buy Fee: 0% (all tiers)
  • Crypto Sell Fee: 2.39% (Free), 2.14% (Move), 1.89% (Pro)
  • FX Mark-up: 1.75% (Europe non-eurozone), 2% (Rest of World)
  • Inactivity Fee: €120/year plus €25/month maintenance fee after 6 months of inactivity

Spending & ATM limits

Notes
Maximum Balance: €2,500 (Free), €15,000 (Move), Unlimited (Pro). Foreign Cash-out Limit: €450/day (Pro only)
Atm Daily
€350 (1 withdrawal) Free, €350 (2 withdrawals) Move, €900 (4 withdrawals) Pro
Per Transaction
€1,500 (Free), €5,000 (Move), €15,000 (Pro)

Features

  • Banking: Spanish IBAN provided for SEPA transfers
  • Multi-Card: Manage multiple cards with independent or shared balances (up to 8 on Pro tier)
  • Card Formats: Physical and virtual cards available
  • Parental Controls: Special 'Young' accounts for users aged 16-17
  • Automation: Schedule automatic crypto operations via "Crypto > Savings" feature
  • Top-ups: Reload via SEPA, external cards, or prepaid vouchers from partners

Rewards

### Rewards * **Cashback:** Up to 15% cashback at select partner retailers for Move and Pro plan users. * **Staking:** No staking requirements to access benefits; tiers are based on subscription plan only. * **cashback_breakpoints:** null

Availability

Available in 27 EEA countries. Restricted in 6 countries including Bulgaria, Croatia, Latvia within EEA, plus UK, US, Canada. All non-EEA countries restricted.

Top-up & funding

  • Crypto (in-app conversion)
  • SEPA transfer
  • External card top-ups
  • Prepaid vouchers from partners (Fnac, Carrefour)
  • Bitnovo partner integration

Security & custody

  • SMS-based two-factor authentication (2FA)
  • Verified by Visa (3D Secure)
  • Freeze/unfreeze cards instantly via app
  • Biometric login support (fingerprint/face unlock)
  • Standard encryption protocols

Risk note. If the provider becomes insolvent or disappears, user funds may be inaccessible.

Mobile wallets

Apple Pay Supported
Google Pay Supported
Samsung Pay Supported

Card tiers

Free (Basic)

€0
Cashback
Not available
Card material
Plastic
Monthly limit
€1,000 top-up limit
Issuance fee
€20 (physical), €2.50 (virtual)
Requirements
None
  • 1 physical + 1 virtual card (shared balance)
  • Basic functionality
  • €500 daily top-up limit
  • €2,500 maximum balance

Move

€8.99
Cashback
Up to 15% at partner retailers
Card material
Plastic
Monthly limit
€5,000 top-up limit
Issuance fee
€20 (physical), €2.50 (virtual)
Requirements
€0.99/month or €8.99/year subscription
  • 2 physical + 3 virtual cards (5 total)
  • €1,200 daily top-up limit
  • €15,000 maximum balance
  • 2.14% crypto sell fee
  • 1 free SEPA Instant transfer, then €1

Pro

€69.99
Cashback
Up to 15% at partner retailers
Card material
Plastic
Monthly limit
Unlimited
Issuance fee
€20 (physical), €2.50 (virtual)
Requirements
€9.99/month or €69.99/year subscription
  • 4 physical + 4 virtual cards (8 total)
  • Unlimited top-up limits
  • Unlimited maximum balance
  • 1.89% crypto sell fee
  • Unlimited standard SEPA transfers
  • 2 free SEPA Instant transfers, then €1
  • €450/day foreign cash-out limit

Young

Card material
Plastic
Monthly limit
Limited
Issuance fee
Included
Requirements
Age 16-17, guardian approval required
  • 1 physical + 1 virtual card
  • Parental controls
  • Guardian approval required
  • Gamified features
  • 2.39% crypto sell fee

Banking services

IbanSepa Transfers

Spanish IBAN provided for each account. Enables SEPA transfers and direct debits within the European payment zone. Functions as a payment account without full banking services. Not a full bank account; prepaid electronic money institution only. No overdraft or credit facilities.

What users say

App Store
2.2/5.0 (6 ratings) - not counted
Google Play
2.9/5.0 (1,382 ratings)
Trustpilot
1.5/5.0 (347 ratings)

Aggregate rating 2.0/5 from reviews. 86% negative feedback primarily regarding account blocking, poor customer support, SMS code delivery problems, and 3D-Secure failures.

Risks & limitations

Risks
  • CounterpartyCustodial crypto model means users do not control private keys - if provider disappears, funds are inaccessible
  • Security2019 incident of suspicious logins led to enforcement of SMS 2FA
  • RegulatoryAccount blocking/suspension issues with funds inaccessible for extended periods
  • MarketHigh inactivity fees can erode balances - €120/year plus €25/month after 6 months
Limitations
  • majorOnly available to EEA residents (16+ years old)
  • moderateCrypto conversion fees range from 1.89%-2.39% depending on tier
  • majorCustodial crypto model - no private keys or external crypto transfers
  • majorCannot send or receive crypto to/from external addresses
  • majorLimited customer support with documented responsiveness issues
  • majorHigh inactivity fees after 6 months (€120/year plus €25/month maintenance)
  • moderateHigher foreign exchange fees (1.75%-2% vs competitors)
  • moderate3D Secure implementation sometimes causes transaction failures
  • moderateAccount recovery can be difficult if access to registered phone/email is lost
  • majorPoor customer service ratings with documented responsiveness issues - only 15% of callers report resolution
  • majorFrequent complaints about account blocking with funds inaccessible for extended periods

Best suited for

Crypto-active European residents who need a simple way to convert and spend cryptocurrencies, budget-conscious users wanting separate card balances, privacy-focused spenders preferring prepaid solutions, and family account managers needing to distribute funds across multiple cards.

Our verdict

Bitsa Card is a practical crypto-to-fiat bridge for European users, offering a Spanish IBAN and Visa debit functionality without needing a bank account. It has a tiered, no-stake model, but its custodial nature, conversion fees, and documented customer service issues are significant drawbacks. It's best for those who value its multi-card management features within the EEA.

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