Virtual
- Card material
- Digital-only
- Issuance fee
- €9.90
- Requirements
- Europe only
- Online purchases only
- PayPal Integration
- Instant in-app delivery
- 3 year validity
Privacy-firstEstonian licensed financial institution (specific name not disclosed for internal reasons)both● Live
PlasBit Card
Custodial Visa/Mastercard platform with separate debit (EU) and prepaid (global) card options.
PlasBit is a prepaid crypto card platform offering Debit, Prepaid, and Reloadable card options that allow users to spend over 100 cryptocurrencies at Visa or Mastercard merchants worldwide. Debit cards are available only in Europe, while Prepaid cards ship to most countries except prohibited regions like the US.
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Best for
Users needing high card balances ($100,000) and 0% FX fees (Metal tier).
Skip if
You want cashback rewards or live in the US, Japan, or Russia.
Network
both
Custody
custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- No monthly fees on debit card tiers (Virtual, Plastic, Metal).
- High card balance limit up to $100,000 on Metal tier.
- 0% foreign exchange fees on the Metal tier.
- Supports over 100 cryptocurrencies for top-ups.
- Prepaid cards available in 188 countries.
- Crypto-to-fiat conversion within 10 minutes.
Watch outs
- High 2-5% crypto loading fee.
- Limited to USD or EUR base currencies.
- Offers high limits ($100,000) but charges a high 2-5% crypto loading fee.
- Provides 0% FX fees on Metal tier, but debit cards are Europe-only.
- Supports 100+ cryptos and Apple Pay, but has no cashback rewards program.
Basic information
PlasBit offers a multi-category crypto card solution with Visa and Mastercard options. The platform features three distinct card types:
- Debit Cards (Virtual, Plastic, Metal): Available exclusively in Europe. These cards have no monthly fees but require a one-time issuance fee.
- Reloadable Cards (PlasMax USD): Available worldwide (except restricted countries), supports mobile wallets, but has a 5% loading fee and monthly charges.
- Prepaid Cards: Fixed-denomination virtual cards available worldwide (except restricted countries).
The service supports over 100 cryptocurrencies for instant conversion to USD or EUR. Fiat balances for verified users are FDIC-insured.
Fees
PlasBit's fees vary significantly across its three card categories. Debit cards have no monthly fees, while Reloadable and Prepaid cards do. Loading fees range from 2-5%.
| Fee Type | Virtual (Debit) | Plastic (Debit) | Metal (Debit) | PlasMax USD (Reloadable) | |---|---|---|---|---| | Issuance Fee | €9.90 | €19.90 | €29.90 | $59.90 | | Monthly Fee | None | None | None | Yes | | Loading Fee | 2% | 2% | 3% | 5% | | Foreign Exchange | Standard + markup | Standard + markup | 0% | Not specified | | Min. Load | $10 | $10 | $10 | $10 |
Prepaid Cards have their fees built into the purchase price (e.g., a $100 card costs $110).
Spending & ATM limits
- Notes
- Maximum card balance: $25,000 (Virtual/Plastic), $100,000 (Metal). KYC Level 1: $50/transaction, $150/day, $500/month. KYC Level 2: $3,000/transaction, $5,000/day, $25,000/month. KYC Level 3: $3,000/transaction, $10,000/day, $50,000/month.
- Daily Spending
- $10,000
- Per Transaction
- $3,000 (Level 2/3 KYC)
Features
- Multiple Card Categories: Offers Debit (Europe only), Reloadable (Worldwide), and Prepaid (Worldwide) cards.
- Extensive Crypto Support: Instantly convert and spend over 100 cryptocurrencies, including BTC, ETH, USDT, and USDC.
- High Balance Limits: The Metal tier allows for a maximum card balance of up to $100,000.
- Mobile Wallet Support: PlasMax USD and Prepaid cards are compatible with Apple Pay and Google Pay.
- Cold Storage Security: 100% of user cryptocurrencies are held in offline cold storage.
- FDIC Insurance: Fiat balances are FDIC-insured after identity verification is complete.
- Fast Conversion: Crypto-to-fiat conversions are typically processed and available on the card within 10 minutes.
Rewards
PlasBit does not offer a cashback or rewards program on any of its card tiers. The primary benefits are functional rather than reward-based. * **Zero FX Fees:** The Metal debit card tier offers 0% foreign exchange fees, making it suitable for international spending. * **No Staking Required:** Access to different card tiers is based on issuance fees, not on staking a native token.
Availability
Available in 189 countries. Restricted in 7+ countries including US, Russia, Japan, Ukraine, Belarus, Iran, Iraq, North Korea. Debit cards (Virtual/Plastic/Metal) available in Europe only. Reloadable and Prepaid cards available worldwide except restricted countries.
Top-up & funding
- Crypto (100+ cryptocurrencies)
Approximately 10 minutes
Security & custody
- Two-factor authentication (SMS/Email/Authenticator app)
- Instant card freeze/unfreeze
- Real-time transaction notifications
- EMV chip and PIN protection
- 100% of cryptocurrencies stored in cold storage offline
- Regular penetration testing
- 24/7 system monitoring
- Bug bounty program
- GDPR compliance
Risk note. As a custodial service, user funds would be inaccessible if the platform were to cease operations.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Plastic
- Card material
- Standard plastic with EMV chip
- Issuance fee
- €19.90
- Requirements
- Europe only
- ATM access
- In-person and online purchases
- Physical shipment
- 3 year validity
- Currently paused due to high demand
Metal
- Card material
- Premium stainless steel
- FX free limit
- Unlimited (0% FX fees)
- Issuance fee
- €29.90
- Requirements
- Europe only
- ATM access
- Zero foreign exchange fees
- Maximum card balance $100,000
- Physical shipment
- 3 year validity
- Currently paused due to high demand
PlasMax USD
- Issuance fee
- $59.90
- Requirements
- Worldwide (except restricted countries)
- Mobile wallet integration
- Physical shipment
Prepaid Cards
- Card material
- Virtual only
- Issuance fee
- Built into price ($25 card: $30, $50 card: $60, $100 card: $110, $5,000 card: $5,500)
- Requirements
- Worldwide (except restricted countries)
- One-time use
- Fixed denominations ($25-$5,000+)
- Instant digital delivery
What users say
Positive reviews highlight ease of use and intuitive interface. High ratings for responsive customer support. Praised for quick processing of transactions and withdrawals.
Risks & limitations
Risks
- CounterpartyCustodial model means users do not control private keys; funds inaccessible if provider ceased operations
- RegulatoryCard issuer identity not publicly disclosed for internal operational reasons
Limitations
- major2-5% loading/conversion fee when adding funds to card (varies by tier)
- moderateNo cashback or rewards program on any tier
- moderateLimited to USD or EUR as base currencies
- majorDebit card tiers (Virtual/Plastic/Metal) available in Europe only
- majorNot available in the United States and 50+ other countries
- moderateMonthly maintenance fees apply to reloadable and prepaid cards
- moderatePhysical debit card issuance temporarily paused due to high demand
- minorInconsistent documentation regarding mobile wallet support across tiers
- minorNo native mobile apps (web-based only)
- minorGambling and betting transactions may be blocked
Roadmap
Recently shipped
- Physical debit card issuance temporarily paused due to high demand (waitlist in place)
Planned
- Expanding Apple Pay and Google Pay support to all card tiers
Best suited for
High-net-worth crypto investors needing substantial card balances, international travelers in Europe benefiting from zero FX fees on Metal tier, privacy-focused individuals, and cryptocurrency enthusiasts who prioritize wide crypto support over rewards programs
Our verdict
PlasBit Card offers a versatile crypto-to-fiat solution with multiple card categories catering to different user needs. Its standout features include support for 100+ cryptocurrencies, a tiered card structure (Debit, Reloadable, Prepaid), high maximum card balances on premium tiers, and a straightforward fee structure with no monthly charges on debit cards. The integrated ecosystem of wallet, exchange, and card services provides a seamless experience for converting and spending crypto assets.
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