Bitsa Card
- Spain-based card issuer, so some fees are lower for Spain residents
- Quick and knowledgeable customer service agents
- Auto-converts crypto deposits to EUR, instead of adding to crypto balance
- No crypto swap, just buy/sell to EUR
- Help articles haven't been updated for 3+ years
-
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 | ~3.8% |
| Cashback | None |
| Daily Spending Limit | 1,500 EUR |
| Daily ATM Withdrawal Limit | 350 EUR |
| Foreign Exchange Fee | 2% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AlandAustriaBelgiumBonaireBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceFrench GuianaFrench PolynesiaGermanyGreeceGuadeloupeHungaryIcelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaMartiniqueMayotteNetherlandsNorwayPolandPortugalReunionRomaniaSlovakiaSloveniaSpainSweden |
| Supported Cryptocurrencies | ADABCHBTCDAIDASHETHEUROCLTCMATICSOLTRXUSDCUSDTXLMXMR |
Your Bitsa Card: true debit card experience, directly connected to a Spain bank account
Bitsa Card Benefits and Rewards
Bitsa used to offer “up to 15% cashback at participating stores”, but has since discontinued the cashback program.
If you’re on a paid plan, you will qualify for increased card limits:
Free |
Move |
Pro |
|
| Monthly Cost | 0.00 EUR | 0.99 EUR | 9.99 EUR |
| Maximum Account Balance | €2,500 | €15,000 | Unlimited |
| Limit per Card Transaction | €1,500 | €5,000 | €15,000 |
| Daily ATM Withdrawal Limit | €350 | €350 | €900 |
Bitsa Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- ES
IBAN Bank Account- in your name
With Bitsa Card, you'll get a true debit card experience, directly connected to a bank account. You'll receive a Spain-based IBAN bank account number issued in your name, and any funds you deposit into your account will become immediately available for spending on your card.
Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Bitsa, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges or receive salary payments.
It Comes in Both Physical and Virtual Forms
You can get Bitsa Card in both physical and virtual versions, a feature only available with 30% 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 |
Cost to Order: 20 EUR | Cost to Order: 0 EUR |
You will find the physical Bitsa Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
The back of Bitsa Card
| Card Issuer | PecunPay |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 42088426 |
| Validity Period | 3 years |
| Issuing Country | Spain |
Crypto-to-EUR Conversion Cost with Bitsa Card
Bitsa Card Requires Pre-Load
Before you can use your Bitsa 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% |
| Sell Spread | ~2.5% |
| Broker Sell Spread | ~1.3% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~3.8% |
High Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Bitsa Card will cost you more (~3.8%). 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 Bitsa Card Compare to Other Crypto Cards?
Bitsa Card ranks #61 out of 63 amongst all the crypto cards we have reviewed so far. 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.
We compared Bitsa Card with 42 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Weakest Features Against Competitors
Compared to its 42 competitors, here are the shortcomings of Bitsa Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Daily spend is capped at 1,500 EUR (while other cards offer 25,000 EUR daily spend limit on average).
- Lesser-known company with a 2/10 brand authority score (the average for all competing cards is 6/10).
- Requires preconversion of crypto to load the card (while 40% 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 ~6.6% (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 ~3.8% (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).
Bitsa Card vs. OWNR Card vs. Nexo Card
Bitsa Card
|
OWNR Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 1.50 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~3.8% | ~4.64% | ~0.75% |
| Highest Cashback | None | None | up to 2% |
| Entry-Level Cashback | None | None | 0.5% |
| Daily Spending Limit | 1,500 EUR | 2,500 EUR | 10,000 EUR |
| Daily ATM Limit | 350 EUR | 500 EUR | 2,000 EUR |
| Foreign Exchange Fee | 2% | 2% | 2% |
| Asset Management | Custodial | Non-Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 17 | 32 | 86 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Less-Known | Less-Known | Well-Known |
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 Bitsa Card and OWNR 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 Bitsa Card and OWNR 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.
Bitsa 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 Bitsa Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Bitsa Card will cost you a total of ~13.1 EUR (6.6% of 200 EUR), resulting in a final cash withdrawal of 186.9 EUR in hand.
Doesn't Bitsa 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 Bitsa Card, here's what it will look like:
For an international withdrawal using your Bitsa Card with an initial 200 EUR in ETH, you'll incur fees totaling ~22.69 EUR (11.3% of 200 EUR), leaving you with 177.31 EUR in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, Bitsa Card is more expensive for both local and international ATM withdrawals:
| Cost with Bitsa Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~13.2 EUR (6.6% of 200 EUR) | ~9.2 EUR (4.6% of 200 EUR) |
| International ATM Withdrawals | ~22.6 EUR (11.3% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 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 9% of 200 EUR.
We Tested Bitsa's Customer Support
We asked Bitsa'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.
Bitsa offers support via the following channels:
| support@bitsacard.com | |
| Web Form | https://soporte.bitsacard.com/hc/en-us/requests/new |
Location: Bitsa customer service reps are located in 
Spain.¹
| Support Channel | Our Interaction | Score |
Email (replied in 31 min) | Quick, straightforward response to a question about cashback; quick reply to a follow up question too. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Email (replied in 24 min) | Straightforward, knowledgeable reply to a question about spreads. This is unusually honest. Normally this type of question gets vague replies only. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Web Form (replied in 7 min) | Lazy initial reply with one word: "Yes". Gave more details upon a follow up, reply was good. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Email (replied in 6 min) | Very clear explanation and good follow up reply. Exceeded expectations, especially when compared to Bit2Me experience (who are Spain-based too). | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Email (replied in 3 min) | Answered a question about paid plans. Their answers are always confident and knowledgeable, great experience. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
To summarize,
Competence and Problem-Solving: Bitsa'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. Bitsa'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 14 minutes, significantly saving your time.
Overall Customer Service Rating: 8.6/10
This excellent score places Bitsa's Customer Service well above the crypto card industry average of 7.2/10.
Bitsa Card supports 37 countries
Is Bitsa Card Available for Residents of United States?
No, Bitsa Card is not available for residents of United States.
Bitsa Card supports the following countries: Aland, Austria, Belgium, Bonaire, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, French Polynesia, Germany, Greece, Guadeloupe, Hungary, Iceland, 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 11 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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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.
