Bit2Me Card
- Well-established company
- Up to 9% cashback rewards
- Small daily spend allowance of 2,500 EUR
- Extremely poor customer service
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~1.2% |
| Highest Cashback | up to 9% |
| Entry-Level Cashback | 0.25% |
| Entry-Level Cashback Monthly Cap | 7.50 EUR |
| Daily Spending Limit | 2,500 EUR |
| Daily ATM Withdrawal Limit | 300 EUR |
| Foreign Exchange Fee | 2% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AlandAustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceFrench GuianaFrench PolynesiaGermanyGreeceGuadeloupeHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaMartiniqueMayotteNetherlandsNorwayPolandPortugalReunionRomaniaSlovakiaSloveniaSpainSweden |
| Supported Cryptocurrencies | ADAB2MBTCCCDDOTETHEURTMATICSOLTONUSDCUSDTXRP |
Bit2Me Card Benefits and Rewards
Bit2Me offers up to 9% cashback, depending on your loyalty Tier:
| Tier | Loyalty Points Required | Cashback | Monthly Cashback Cap |
| Level 0 | 0 | 0% | – |
| Level 1 | 1,000 | 0.25% | 7.50 EUR |
| Level 2 | 2,000 | 0.5% | 15 EUR |
| Level 3 | 3,000 | 1% | 30 EUR |
| Level 4 | 4,000 | 2% | 100 EUR |
| Level 5 | 5,000 | 3% | 300 EUR |
| Level 6 | 6,000 | 5% | 500 EUR |
| Level 7 | 9,000 | 7%
(9% if B2M used) |
900 EUR |
Loyalty Points can be acquired by buying and maintaining a certain balance of B2M (Bit2Me Token), or by using various Bit2Me services.
You receive missions on the Bit2Me platform, such as ‘Buy and Hold 1,000 EUR in B2M to earn 500 points’. Your points count towards your Loyalty level as long as you maintain that B2M amount in your account.
Cashback is paid out in B2M Tokens.
Reality Check While Bit2Me Card promotes up to 9% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 0.25% cashback, capped at 7.50 EUR per month.
Are other cards more generous at base tier? Yes.
| Bit2Me Card | Industry Average1 | |
| Entry Level Cashback | 0.25% | 1% |
| Entry Level Cashback Monthly Cap | 7.50 EUR | 20 EUR |
Bit2Me Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Bit2Me Card differs from a traditional debit card, where the balance is linked directly to your bank account. Instead, with Bit2Me, the card is connected to your chosen crypto coin balance on their platform.
Since Bit2Me doesn't offer a bank account with this card (while some crypto cards do), it means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It Comes in Both Physical and Virtual Forms
You can get Bit2Me Card in both physical and virtual versions, a feature only available with 40% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| ATM Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
You will find the physical Bit2Me Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
Crypto-to-EUR Conversion Cost with Bit2Me Card
Bit2Me Card Converts Your Crypto on Demand
Bit2Me Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 0.95% |
| Sell Spread | ~0.25% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~1.2% |
Low Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Bit2Me Card is much more cost-effective (~1.2%). This means that you will get more EUR for your crypto when using this card.
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Nexo Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.75% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Bit2Me Card Compare to Other Crypto Cards?
Bit2Me Card ranks #37 out of 47 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
We compared Bit2Me Card with 37 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of Bit2Me Card against its 37 competitors:
- Offers Apple Pay (while 40% of competing crypto cards don't).
- Offers impressive maximum cashback of up to 9% (other cards have an average of 4%).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 70% of competing crypto cards require you to preload card in advance).
- You can get both a physical card and a second virtual card (while 60% of competing crypto cards offer only one type - either physical or just virtual).
- Offers all ATM withdrawals fee-free (which is generous compared to the average monthly 200 EUR free withdrawal limit of other cards).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~1.2% (versus an average of ~1.8% with other cards.)
- Their overall fee structure is incredibly budget-friendly, with a score of 7.2/10 (average fee structure rating amongst other cards is 5.9/10).
Weakest Features Against Competitors
Compared to its 37 competitors, here are the shortcomings of Bit2Me Card:
- Limits entry-level cashback to 7.50 EUR per month (while other cards have 20 EUR average monthly cap for the base tier).
- Daily spend is capped at 2,500 EUR (while other cards offer 9,000 EUR daily spend limit on average).
- Their customer service is poor with a 1.9/10 score (competitors score 7.4/10 on average).
Bit2Me Card vs. THORWallet Card vs. Nexo Card
Bit2Me Card
|
THORWallet Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~1.2% | ~1.75% + Gas Fees | ~0.75% |
| Highest Cashback | up to 9% | None | up to 2% |
| Entry-Level Cashback | 0.25% | None | 0.5% |
| Daily Spending Limit | 2,500 EUR | 5,000 EUR | 10,000 EUR |
| Daily ATM Limit | 300 EUR | N/A (Virtual-Only Card) | 2,000 EUR |
| Foreign Exchange Fee | 2% | 1.5% | 0.5% |
| Asset Management | Custodial | Non-Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 13 | 4 | 63 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Bad | Great | Great |
| Company Strength | Medium | Weak | Strong |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Nexo Card offers the highest daily spending limit of 10,000 EUR. You will get lower daily limits with Bit2Me Card and THORWallet Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Bit2Me Card offers the best cashback rewards of up to 9%. The cashback rewards for Nexo Card are not as high. With THORWallet Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Bit2Me Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in EUR
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Bit2Me Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Bit2Me Card will cost you a total of ~5.4 EUR (2.7% of 200 EUR), resulting in a final cash withdrawal of 194.6 EUR in hand.
Doesn't Bit2Me Card Offer Free ATM Withdrawals?
Yes, with Bit2Me, all ATM withdrawals are free withdrawals. But this only refers to their ATM withdrawal fee.
International non-EUR ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Bit2Me Card, here's what it will look like:
For an international withdrawal using your Bit2Me Card with an initial 200 EUR in ETH, you'll incur fees totaling ~19.23 EUR (9.6% of 200 EUR), leaving you with 178.37 EUR in the equivalent foreign currency.
Reality CheckOverall, Bit2Me Card is cheaper than other cards for local ATM withdrawals and slightly more expensive for international ATM withdrawals:
| Cost with Bit2Me Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~5.4 EUR (2.7% of 200 EUR) | ~9 EUR (4.5% of 200 EUR) |
| International ATM Withdrawals | ~19.2 EUR (9.6% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Holyheld Card, Bit2Me Card and Nexo Card offer the cheapest local ATM withdrawals (2.5%, 2.7% and 3.2% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.
We Tested Bit2Me's Customer Support
We asked Bit2Me's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Bit2Me offers support via the following channels:
| Chat | https://bit2me.com/support |
| support@bit2me.com | |
| Phone | +44 1224 085256 |
| Web Form | https://support.bit2me.com/en/support/tickets/new |
Location: Bit2Me customer service reps are located in 
Spain.¹
| Support Channel | Our Interaction | Score |
Email (replied in 3 d 3 h ) | The answer didn't seem relevant to the question. Maybe due to poor English. | Late Reply Low Competence Somewhat Personalized Poor English, Formal Tone 1/10 |
Web Form (didn't reply) | Never replied. Waited for 19 days. | No Response 0/10 |
Email (didn't reply) | Never replied. Waited for 10 days. | No Response 0/10 |
Chat (replied in 1 d 23 h ) | Chat was offline. Left a message in the form. Short reply came to contact verifications team. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Email (replied in 16 d 22 h ) | Didn't answer the question asked about 3DS security, gave an answer about pin code offered by Mastercard. | Late Reply Low Competence Not Personalized Adequate English, Professional Tone 0/10 |
To summarize,
Competence and Problem-Solving: Bit2Me's customer service lacks in competence, often providing unhelpful responses, which is a red flag.
Customer Love: You will not get addressed by name and answers to your questions will be generic. Bit2Me's customer support agents do not make an effort to personalize their replies.
Reply Speed: They sometimes do not reply at all. When they do reply, response times range from as quick as 2 days to as slow as 3 days.
Overall Customer Service Rating: 1.9/10
With this score, Bit2Me's Customer Service is extremely poor, compared to other crypto cards, which score an average of 7.4/10.
Bit2Me Referral ID - to Get 15 EUR Bonus
You can use referral id 28457 to get 15 EUR bonus when you create an account on Bit2Me platform.
Here's how you can enter the referral id:
..or, just click here.
Your bonus will be paid out to you in BTC (Bitcoin1), right after you purchase your first 100€ worth of crypto.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Is Bit2Me Card Available for Residents of United States?
No, Bit2Me Card is not available for residents of United States.
Bit2Me Card supports the following countries: Aland, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, French Polynesia, Germany, Greece, Guadeloupe, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Netherlands, Norway, Poland, Portugal, Reunion, Romania, Slovakia, Slovenia, Spain, Sweden.
To see our list of available crypto cards for United States, see this list. There are currently 8 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Valuable Points. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
