Bit2Me Card

#31 (out of 35) in Crypto Cards
#22 (out of 25) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Well-established company
  • Up to 9% cashback rewards
  • Small daily spend allowance of 2,500 EUR
  • Extremely poor customer service
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee


Highest Cashback

up to 9%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap

7.50 EUR

Daily Spending Limit

2,500 EUR

Daily ATM Withdrawal Limit

300 EUR

Crypto to Fiat Conversion

Auto on Every Purchase

Supported CountriesShow All
Supported Cryptocurrencies

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 CardIndustry Average1
Entry Level Cashback0.25%1%
Entry Level Cashback Monthly Cap7.50 EUR20 EUR

Bit2Me Card is a Debit Card that Converts Your Crypto on Demand

Bit2Me Card offers instant conversion to fiat 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.

It Comes in Both Physical and Virtual Forms

You can get Bit2Me Card in both physical and virtual versions, a feature only available with 50% 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 WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet 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.

How Does Bit2Me Card Compare to Other Crypto Cards?

Bit2Me Card ranks #22 out of 25 amongst similar crypto cards. This means it's one of the bottom 20%. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.

While we have a total of 35 cards listed in our Crypto Cards category, only 24 are comparable to Bit2Me Card, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Bit2Me Card against its 24 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 5%).
  • Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
  • You can get both a physical card and a second virtual card (while 50% 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).

Weakest Features Against Competitors

Compared to its 24 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 11,000 EUR daily spend limit on average).
  • Limits ATM widthdrawals to 300 EUR per day (average amongst other cards is 1,000 EUR).
  • Their customer service is poor with a 1.9/10 score (competitors score 7.1/10 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
    Foreign Exchange Fee 2% 1.5% 0.5%
    Crypto to Fiat Fee 0.95% 1% 0.0%
    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
    Availability for United States flagUnited States
    Supported Cryptocurrencies 11 1 64
    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:

You're at a local ATM and have:
0.0662 ETH (200 EUR)
-1.9 EUR
Bit2Me Crypto-to-Fiat Conversion Fee: 0.95%
-0 EUR
Bit2Me ATM Withdrawal Fee: 0 EUR + 0%
-3 EUR
ATM Operator Fee: ~3 EUR
195.1 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Bit2Me Card will cost you a total of ~4.9 EUR (2.5% of 200 EUR), resulting in a final cash withdrawal of 195.1 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:

You're at an international ATM and have:
0.0662 ETH (200 EUR)
-1.9 EUR
Bit2Me Crypto-to-Fiat Conversion Fee: 0.95%
-3.96 EUR
Bit2Me Intl ATM Withdrawal Fee: 2%
-3.96 EUR
Bit2Me Foreign Exchange Fee: 2%
-1.98 EUR
Mastercard Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.96 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 179.34 EUR)

For an international withdrawal using your Bit2Me Card with an initial 200 EUR in ETH, you'll incur fees totaling ~18.76 EUR (9.4% of 200 EUR), leaving you with 179.34 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 CardCost with Other Cards
Local ATM Withdrawals~5 EUR (2.5% of 200 EUR)~7.6 EUR (3.8% of 200 EUR)
International ATM Withdrawals~18.8 EUR (9.4% of 200 EUR)~17.2 EUR (8.6% of 200 EUR)

From all crypto cards that we reviewed, Nexo Card, Bit2Me Card and KuCoin Card offer the cheapest local ATM withdrawals (2.5%, 2.5% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 7.4% 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:

Phone+44 1224 085256
Web Form

Location: Bit2Me customer service reps are located in Spain flagSpain.¹

Support Channel Our Interaction Score
(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
Web Form
(didn't reply)
Never replied. Waited for 19 days.
No Response
(didn't reply)
Never replied. Waited for 10 days.
No Response
(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
(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

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 7.1/10.

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:

Bit2Me 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 5 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Right. What's My Next Step?

Paulina Masson

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.

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