Bitcoin.com V-Card
- Well-known platform
- Supports 170+ countries
- No cashback
- No virtual card, must wait for physical card to arrive
- 75 EUR card order fee
- High crypto-to-EUR conversion cost
-
Key Features
Bitcoin.com Verse Card Benefits and Rewards
V-Card card does not offer cashback rewards or any other incentives for using the card.
Bitcoin.com V-Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Bitcoin.com V-Card is very much like a traditional prepaid card that carries its own balance, and you'll need to top it up before use.
It should be noted that Bitcoin.com doesn't offer a bank account with this card (while some crypto cards do), which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It's Offered in Physical Form, Without an Instant Virtual Equivalent
Bitcoin.com V-Card is available solely in physical form, unlike 30% of crypto cards offering both physical and virtual versions. This means you'll have to wait for its arrival by mail after completing the KYC Identity Verification.
Wondering about the pros and cons of physical-only format? Here are some highlights:
Physical Card | No Virtual Card |
|---|---|
| ATM Withdrawals | No Second Card Number |
| Required for Car Rentals, Hotels | No Instantly Available Card |
| Useful When Phone Dies, or no Wifi | Cannot Separate Online Purchases for Safety |
| Backup Payment Method | Cannot Have a 2nd Card with Lower Spend Limits |
Cost to Order: 75 EUR |
Even though it's a physical-only card, Bitcoin.com V-Card does have Apple Pay support, allowing you to pay with your phone instead of having to take out your wallet everytime.
Crypto-to-EUR Conversion Cost with Bitcoin.com V-Card
Bitcoin.com V-Card Requires Pre-Load
Before you can use your Bitcoin.com V-Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Broker Sell Spread | ~1.5% |
| Load Fee | 2% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~3.5% |
High Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Bitcoin.com V-Card will cost you more (~3.5%). This means that you will get less EUR for your crypto when using this card.
From all crypto cards we reviewed, Kast Card, WhiteBIT Card and Holyheld Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.28% and ~0.5% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Bitcoin.com V-Card Compare to Other Crypto Cards?
Bitcoin.com V-Card ranks #42 out of 63 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.
Weakest Features Against Competitors
Compared to its 63 competitors, here are the shortcomings of Bitcoin.com V-Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Daily spend is capped at 10,000 EUR (while other cards offer 21,500 EUR daily spend limit on average).
- Supports only 8 cryptocurrencies (while other cards support an average of 20).
- Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
- Doesn't offer any free ATM withdrawals (in contrast to 40% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
- Cost to withdraw cash from a local ATM is high at ~6.9% (comparing to the average of ~4.6% when withdrawing with other cards.)
- Their crypto-to-fiat conversion cost, including all related fees and spread, is quite high at ~3.5% (versus an average of ~1.8% with other cards.)
- Their fee structure is not so budget-friendly, with a score of 2.6/10 (average fee structure rating amongst other cards is 5.7/10).
Bitcoin.com V-Card vs. Fold Card vs. Nexo Card
Bitcoin.com V-Card
|
Fold Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 1.00 EUR | 0.00 USD | 0.00 EUR |
| Crypto to Fiat Cost | ~3.5% | ~1.5% | ~0.75% |
| Highest Cashback | None | up to 1.5% | up to 2% |
| Entry-Level Cashback | None | 0% | 0.5% |
| Daily Spending Limit | 10,000 EUR | 10,000 USD | 10,000 EUR |
| Daily ATM Limit | 2,000 EUR | 1,000 USD | 2,000 EUR |
| Foreign Exchange Fee | 2% | 3% | 2% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 8 | 1 | 83 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Growing | Less-Known | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. All three cards offer the same daily spending limit of 10,000 EUR. So they are all solid choices in that regard.
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, Nexo Card offers the best cashback rewards of up to 2%. The cashback rewards for Fold Card are not as high. With Bitcoin.com V-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.
Bitcoin.com V-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 Bitcoin.com V-Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Bitcoin.com V-Card will cost you a total of ~13.86 EUR (6.9% of 200 EUR), resulting in a final cash withdrawal of 186.14 EUR in hand.
Plus, if you'd like to check your balance via the ATM, it will cost you an additional 0.7 EUR.
Doesn't Bitcoin.com V-Card Offer Free ATM Withdrawals?
No, it doesn't. Which is a shame, because 40% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.
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 Bitcoin.com V-Card, here's what it will look like:
For an international withdrawal using your Bitcoin.com V-Card with an initial 200 EUR in ETH, you'll incur fees totaling ~23.51 EUR (11.8% of 200 EUR), leaving you with 176.49 EUR in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, Bitcoin.com V-Card is more expensive for both local and international ATM withdrawals:
| Cost with Bitcoin.com V-Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~13.8 EUR (6.9% of 200 EUR) | ~9.2 EUR (4.6% of 200 EUR) |
| International ATM Withdrawals | ~23.6 EUR (11.8% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Netcoins Card offer the cheapest local ATM withdrawals (2.2%, 2.5% and 2.6% 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 Bitcoin.com's Customer Support
We asked Bitcoin.com'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.
Bitcoin.com offers support via the following channels:
| Chat | https://support.bitcoin.com/en/ |
Location: Bitcoin.com customer service reps are located in 
Philippines, 
Russia and 
Ukraine.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 1 min) | Replied quickly, patiently responded to a follow up question. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Chat (replied in 6 min) | Quickly answered a question about unloading the card, provided additional info. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Chat (replied in 7 min) | Gave a quick answer to a question about virtual cards. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Chat (replied in 4 min) | Gave a good explanation why the card is denominated in EUR, not USD. Quick and professional. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Chat (replied in 7 min) | Didn't seem to know what Apple Pay was. After a few clarifications, agent provided an answer, but it left us uncertain. | Low Competence Not Personalized Adequate English, Professional Tone 4/10 |
To summarize,
Competence and Problem-Solving: More often than not, Bitcoin.com's customer service responses are highly competent, proving they're a company that takes your questions seriously.
Customer Love: You will not get addressed by name and answers to your questions will be generic. Bitcoin.com's customer support agents do not make an effort to personalize their replies.
Reply Speed: They respond remarkably quickly, with most of their replies coming within an average of 5 minutes, significantly saving your time.
Overall Customer Service Rating: 7.6/10
With this score, Bitcoin.com's Customer Service is mediocre, comparable to the 7.2/10 average of other crypto card companies.
Is Bitcoin.com V-Card Available for Residents of United States?
No, Bitcoin.com V-Card is not available for residents of United States.
Bitcoin.com V-Card supports the following countries: Aland, Albania, American Samoa, Andorra, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Bermuda, Bhutan, Bolivia, Bonaire, Brazil, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Cambodia, Canada, Cayman Islands, Chad, Chile, Christmas Island, Cocos Keeling Islands, Colombia, Cook Islands, Costa Rica, Croatia, Curacao, Cyprus, Czech Republic, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, Equatorial Guinea, Estonia, Falkland Islands, Faroe Islands, Finland, France, French Guiana, French Polynesia, French Southern Territories, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macao, Macedonia, Malaysia, Maldives, Malta, Marshall Islands, Martinique, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Nicaragua, Niue, Norfolk Island, Northern Mariana Islands, Norway, Oman, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Reunion, Romania, Saint Barthelemy, Saint Helena, Saint Lucia, Saint-Martin, Samoa, San Marino, Saudi Arabia, Scotland, Seychelles, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia and South Sandwich Islands, South Korea, Spain, St Kitts and Nevis, St Vincent and Grenadines, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Thailand, Timor Leste, Tokelau, Tonga, Türkiye, Turkmenistan, Turks and Caicos Islands, Tuvalu, U.S. Virgin Islands, United Arab Emirates, United Kingdom, Uruguay, Uzbekistan, Vatican City, Vietnam, Wales, Wallis and Futuna, Western Sahara.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 11 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Very Informative. 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.
