Bitrefill Card
- Their platform also allows you to buy gift cards with crypto without KYC
- Very good customer service
- No cashback
- No Apple Pay
- Virtual-only card
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Not Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 10.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~2.49% |
| Cashback | None |
| Daily Spending Limit | 10,000 EUR |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Fiat-Only (uses a third party service to convert your crypto) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlandsPolandPortugalRomaniaSlovakiaSloveniaSpainSweden |
| Supported Cryptocurrencies | BNBBTCETHUSDCUSDT |
Your Bitrefill Card: 0% FX fees and excellent customer service
Bitrefill Card Benefits and Rewards
Bitrefill card does not offer cashback rewards or any other incentives for using the card.
Bitrefill Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Bitrefill Card differs from a traditional debit card, where the balance is linked directly to your bank account.
With Bitrefill, you'll need to top up your card before use. It should be noted that Bitrefill doesn't offer a bank account with this card, as 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 Issued Solely in Virtual Form, Lacking a Physical Version
Bitrefill Card is available solely in virtual format, unlike 30% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Not so Great:Since Bitrefill Card doesn't support Apple Pay and doesn't have a physical card version, you will only be able to use this card for online purchases.
The 'back' of virtual Bitrefill Card
| Card Issuer | Wallester |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 47436713 |
| Validity Period | 5 years |
| Issuing Country | Estonia |
Crypto-to-EUR Conversion Cost with Bitrefill Card
Bitrefill Card Requires Pre-Load
Before you can use your Bitrefill 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 | ~0.5% |
| Load Fee | 1.99% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~2.49% |
High Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Bitrefill Card will cost you more (~2.49%). This means that you will get less EUR for your crypto when using this card.
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Bitrefill Card Compare to Other Crypto Cards?
Bitrefill Card ranks #38 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.
We compared Bitrefill Card with 42 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 Bitrefill Card against its 42 competitors:
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Their customer service is very good with a 9/10 score (others score only 7.6/10 on average).
Weakest Features Against Competitors
Compared to its 42 competitors, here are the shortcomings of Bitrefill Card:
- Apple Pay isn't enabled (while 70% of competing crypto cards have it).
- 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 25,000 EUR daily spend limit on average).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
- Only available in virtual format (while 30% of competing crypto cards offer both physical and virtual cards).
Bitrefill Card vs. Cryptopay Card vs. Nexo Card
Bitrefill Card
|
Cryptopay Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 1.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~2.49% | ~1.95% | ~0.75% |
| Highest Cashback | None | None | up to 2% |
| Entry-Level Cashback | None | None | 0.5% |
| Daily Spending Limit | 10,000 EUR | 30,000 EUR | 10,000 EUR |
| Daily ATM Limit | N/A (Virtual-Only Card) | 450 EUR | 2,000 EUR |
| Foreign Exchange Fee | 0% | 3% | 2% |
| Asset Management | Fiat-Only | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 5 | 18 | 86 |
| Apple Pay | Not Enabled | Not Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Growing | Growing | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Cryptopay Card offers the highest daily spending limit of 30,000 EUR. You will get lower daily limits with Bitrefill Card and Nexo 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, Nexo Card offers the best cashback rewards of up to 2%. With Bitrefill Card and Cryptopay 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.
We Tested Bitrefill's Customer Support
We asked Bitrefill'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.
Bitrefill offers support via the following channels:
| Web Form | https://help.bitrefill.com/hc/en-us/requests/new |
Location: Bitrefill customer service reps are located in 
Portugal, 
Argentina and 
Mexico.¹
| Support Channel | Our Interaction | Score |
Web Form (replied in 31 min) | Quick and professional reply to a question about cashback, provided additional information. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Web Form (replied in 5 min) | Thanked for reaching out, wished for us to have a great week - warmly formatted response to a question about 3d security feature. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Web Form (replied in 19 min) | Quick reply, even though this wasn't chat, but a webform submission. Answered a question about card pre-authorizations very clearly. | High Competence Somewhat Personalized Adequate English, Professional Tone 9/10 |
Web Form (replied in 1 h 49 min) | Didn't know if their card is compatible with Curve, so escalated it to card partner, and sent a great reply in just 4 hours. Exceeded expectations. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Web Form (replied in 2 min) | Quickly resolved a more complex issue of a stuck deposit due to unsupported region. Professional and excellent, truly. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
To summarize,
Competence and Problem-Solving: Bitrefill's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.
Customer Love: You will not get addressed by name and answers to your questions will be generic. Bitrefill'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 33 minutes, significantly saving your time.
Overall Customer Service Rating: 9/10
This excellent score places Bitrefill's Customer Service well above the crypto card industry average of 7.2/10.
Bitrefill Invite Code - to Get 5 USD Bonus
You can use invite code v5lm9ewz to get 5 USD bonus when you create an account on Bitrefill platform.
Here's how you can enter the invite code:
..or, just click here.
Your bonus will be paid out to you in BTC (Bitcoin), right after you spend $200 on their platform.
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. 🙏🤗
Bitrefill Card supports 27 countries
Is Bitrefill Card Available for Residents of United States?
No, Bitrefill Card is not available for residents of United States.
Bitrefill Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
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.
Got it. 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.
