Bitsa Card

#52 (out of 54) in Crypto Cards
#36 (out of 38) in Crypto Cards for Europe
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Overall Rating
Brand Authority
Fees and Limits Structure
Customer Service
  • 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
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost




Daily Spending Limit

1,500 EUR

Daily ATM Withdrawal Limit

350 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Manual when Preloading

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported CountriesShow All (37)

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:




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
  • ES88 8888 8888 8888 8888
  • Spain flag 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 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 WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet Lower Spend Limits
Cost to Order:
20 EUR
Cost to Order:

You will find the physical Bitsa Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

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 Fee0%
Sell Spread~2.5%
Broker Sell Spread~1.3%
Load Fee0%
Transaction Fee
Total Crypto to EUR Cost~3.8%

High Cost:Compared to the average ~1.7% 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 #52 out of 54 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 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 Bitsa Card against its 37 competitors:

  • Their customer service is very good with a 8.6/10 score (others score only 7.5/10 on average).
  • 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).

Weakest Features Against Competitors

Compared to its 37 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 27,000 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 30% of competitors auto-convert on every purchase).
  • Doesn't offer any free ATM withdrawals (in contrast to 50% 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 ~4.5% 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% 0.5%
    Asset Management Custodial Non-Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 16 32 83
    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:

You're at a local ATM and have:
0.0642 ETH (200 EUR)
-7.6 EUR
Bitsa Crypto-to-Fiat Conversion Cost: ~3.8%
-2.5 EUR
Bitsa ATM Withdrawal Fee: 2.5 EUR
-3 EUR
ATM Operator Fee: ~3 EUR
186.9 EUR

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 50% 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:

You're at an international ATM and have:
0.0642 ETH (200 EUR)
-7.6 EUR
Bitsa Crypto-to-Fiat Conversion Cost: ~3.8%
-2.47 EUR
Bitsa Intl ATM Withdrawal Fee: 0.55 EUR + 1%
-3.85 EUR
Bitsa Foreign Exchange Fee: 2%
-1.92 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.85 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 177.31 EUR)

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 CardCost with Other Cards
Local ATM Withdrawals~13.2 EUR (6.6% of 200 EUR)~9 EUR (4.5% of 200 EUR)
International ATM Withdrawals~22.6 EUR (11.3% of 200 EUR)~18.2 EUR (9.1% 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:
Web Form

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

Support Channel Our Interaction Score
(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
(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
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
(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
(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

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 7/10.

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 9 cards listed there.

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

Well Noted. 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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