PlasBit Card
Visa + MastercardcustodialKYC: required
No rating
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. Crypto funds convert to USD or EUR and include security features like two-factor authentication and FDIC insurance on fiat balances.
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Slug: plasbit-card
Our Verdict
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
Pros and cons
Pros
- No monthly maintenance fees on debit card tiers (Virtual, Plastic, Metal)
- High maximum card balances, especially on premium tiers (up to $100,000 on Metal)
- Zero foreign exchange fees on the Metal tier
- Support for 100+ cryptocurrencies
- Reloadable and prepaid cards available for worldwide shipping (excluding restricted countries)
- Fast conversion times (typically within 10 minutes)
- Multi-jurisdictional regulatory compliance (Poland, Canada, Estonia partnership)
Cons
- 2-5% loading/conversion fee when adding funds to card (varies by tier)
- No cashback or rewards program on any tier
- Limited to USD or EUR as base currencies
- Debit cards (Virtual, Plastic, Metal) available in Europe only
- Not available in the United States and 50+ other countries
- Monthly maintenance fees apply to reloadable (PlasMax USD) and prepaid cards
- Physical debit card issuance temporarily paused due to high demand
- Inconsistent documentation regarding mobile wallet support across tiers
Supported chains
BaseBitcoinEthereumTRON
Supported cryptos
BTCETHLTCTRXUSDCUSDT
Fees
Monthly: See card_tiers (None for debit cards, charged every 30 days for reloadable/prepaid)
Issuance: See card_tiers (€9.90 - €29.90 for debit cards, $59.90 for PlasMax USD)
Crypto To Fiat: 2-5% depending on tier
Purchase Transaction: None
Key Features
- Multiple card tiers (Reloadable PlasMax USD, Prepaid Cards, and Debit Cards: Virtual, Plastic, Metal)
- Support for 100+ cryptocurrencies with instant conversion to USD/EUR
- Debit cards available in Europe; prepaid cards shipped worldwide (excluding US and 50+ restricted countries)
- High spending limits up to $100,000 maximum card balance on Metal tier
- No monthly maintenance fees on debit cards
- Zero foreign exchange fees on Metal tier
- Cold storage security for crypto assets with FDIC insurance for fiat (after identity verification)
- Fast conversion processing (funds available within 10 minutes)
- Two-factor authentication (SMS/Email/Authenticator app)
- Instant card freeze/unfreeze functionality
- Real-time transaction notifications
- EMV chip and PIN protection for physical cards
Limitations
- 2-5% loading/conversion fee when adding funds to card (varies by tier)
- No cashback or rewards program on any tier
- Limited to USD or EUR as base currencies
- Debit card tiers (Virtual/Plastic/Metal) available in Europe only
- Not available in the United States and 50+ other countries
- Monthly maintenance fees apply to reloadable and prepaid cards
- Physical debit card issuance temporarily paused due to high demand
- Inconsistent documentation regarding mobile wallet support across tiers
- No native mobile apps (web-based only)
- Gambling and betting transactions may be blocked
Risks
- CounterpartyCustodial model means users do not control private keys; funds inaccessible if provider ceased operationsPlatform holds all crypto on behalf of users
- RegulatoryCard issuer identity not publicly disclosed for internal operational reasonsSpecific institution name is not publicly disclosed for internal operational reasons
Rewards & Cashback
Notes: PlasBit cards do not offer traditional rewards like cashback or cryptocurrency rewards on any tier. There are no staking requirements or token-based incentives.
Spending 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)
Top-Up Methods
Crypto (100+ cryptocurrencies)
Min Amount: $10
Processing Time: Approximately 10 minutes
Security Features
Features: 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
Insurance: FDIC-insured fiat balances once identity has been verified (USD card program linked to FDIC-insured U.S. bank)
Mobile Wallet Support
Apple PayGoogle PayWeb-based responsive application (no native iOS/Android apps)
Best 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
Custody Model
custodialPlatform holds all crypto on behalf of users. Users interact via app but do not control private keys. Crypto is converted to fiat and held by the provider before card spending.
Risk: Funds inaccessible if provider ceased operations
Card Issuer & Compliance
Issuer Name: Estonian licensed financial institution (specific name not disclosed for internal reasons)
Kyc Required: true
Issuer License: Licensed financial institution in Estonia subject to EU regulations; USD card program linked to FDIC-insured U.S. bank
Platform Licenses: PlasBit Sp. z o.o. - Polish Ministry of Finance VASP registration,PlasBit LTD - FINTRAC Money Services Business (MSB) registration (Canada),PlasBit LTD - Registered Payment Service Provider under Canada's Retail Payment Activities Act (RPAA)
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.
Card Tiers
Virtual
Virtual onlyDigital-only
Europe only
Fees
Issuance: €9.90
Top-up: 2%
Monthly: None
VisaMastercardUncertain - conflicting info
Online purchases onlyPayPal IntegrationInstant in-app delivery3 year validity
Plastic
PhysicalStandard plastic with EMV chip
Europe only
Fees
Issuance: €19.90
Top-up: 2%
Monthly: None
VisaMastercardNot yet compatible
ATM accessIn-person and online purchasesPhysical shipment3 year validityCurrently paused due to high demand
Metal
PhysicalPremium stainless steel
Europe only
Fees
Issuance: €29.90
Top-up: 3%
Monthly: None
VisaMastercardNot yet compatible
FX Free: Unlimited (0% FX fees)
ATM accessZero foreign exchange feesMaximum card balance $100,000Physical shipment3 year validityCurrently paused due to high demand
PlasMax USD
Physical
Worldwide (except restricted countries)
Fees
Issuance: $59.90
Top-up: 5%
Monthly: Charged every 30 days (starting 30 days after issuance)
VisaMastercardApple PayGoogle Pay
Mobile wallet integrationPhysical shipment
Prepaid Cards
Virtual onlyVirtual only
Worldwide (except restricted countries)
Fees
Issuance: Built into price ($25 card: $30, $50 card: $60, $100 card: $110, $5,000 card: $5,500)
Top-up: N/A (not reloadable)
Monthly: Charged every 30 days (starting 30 days after issuance)
VisaMastercardApple PayGoogle Pay
One-time useFixed denominations ($25-$5,000+)Instant digital delivery
Merchant Restrictions
Gambling and betting- Compliance reasons - transactions may be blocked
User Ratings
Positive reviews highlight ease of use and intuitive interface. High ratings for responsive customer support. Praised for quick processing of transactions and withdrawals.
Roadmap & Updates
Planned Features:
- Expanding Apple Pay and Google Pay support to all card tiers
Recent Updates:
- Physical debit card issuance temporarily paused due to high demand (waitlist in place)
Conclusion
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 most significant limitations include the absence of cashback rewards and the 2-5% loading fee when converting crypto to fiat. PlasBit is ideally suited for crypto enthusiasts who prioritize privacy, functionality, and high transaction limits over rewards programs.
Card launched: 2020
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