Bitsa (bitsacard.com) · Prepaid
Bitsa Card review
Bitsa is a prepaid Visa crypto card that converts 20+ cryptocurrencies into euros for spending in physical and online stores, with a European IBAN. Three tiers — FREE (€0), MOVE (€0.99/mo), PRO (€9.99/mo) — with cashback up to 15% and light onboarding ('no additional verifications'). Physical card €20, virtual €2.50; FX fee 1.75%–2%.
Overview
The Bitsa Card is a prepaid Visa card offered by Bitsa (bitsacard.com), designed to bridge the gap between traditional finance and the crypto world. Available in Europe, this card allows users to load and spend euros using a variety of cryptocurrencies, making it a versatile tool for those who frequently deal in digital assets. With three tiers—FREE, MOVE, and PRO—the Bitsa Card caters to different user needs, from casual users to those seeking advanced features and benefits.
One of the standout features of the Bitsa Card is its support for over 20 cryptocurrencies, including major coins like Bitcoin (BTC), Ethereum (ETH), and Ripple (XRP), as well as popular altcoins such as Cardano (ADA), Solana (SOL), and Dogecoin (DOGE). This wide range of supported coins makes it an attractive option for crypto enthusiasts looking to use their digital assets for everyday transactions.
How it Works
The Bitsa Card operates on the Visa network, ensuring broad acceptance across Europe and beyond. Users can load their card with euros by converting their cryptocurrencies through the Bitsa app. This process is designed to be straightforward, with a light KYC (Know Your Customer) process that allows for quick onboarding without the need for extensive documentation.
For those who prefer a physical card, Bitsa offers a physical version for a one-time fee of €20, while a virtual card is available for a lower fee of €2.50. The card can be used for online and in-person transactions, as well as ATM withdrawals, though fees apply for certain types of transactions.
Key Features
- Supported Cryptocurrencies: Over 20 coins, including BTC, ETH, and USDC.
- Prepaid Visa: Accepted at millions of locations worldwide.
- European IBAN: Facilitates easy transfers and direct debits.
- Cashback: Up to 15% cashback on PRO plan purchases.
Fees and Value
The Bitsa Card offers a free entry plan, which is a significant advantage for users looking to minimize costs. However, it’s important to note that additional fees apply for certain services. For instance, there’s a 1.75% foreign exchange (FX) fee for international non-euro transactions and a 2% fee for transactions in other currencies. ATM withdrawals within the Eurozone incur the ATM operator fee, while non-euro withdrawals come with a €0.55 fee plus 1% of the transaction amount, with a minimum fee of €0.75.
Reloading the card with an external card incurs a 1.5% commission, though the number of free reloads varies depending on the plan. Voucher redemption fees range from 0% to 6%, depending on the specific voucher. The MOVE plan, priced at €0.99 per month or €8.99 per year, offers some benefits, but the PRO plan, at €9.99 per month or €69.99 per year, provides the highest cashback and unlimited transaction limits.
Who It’s For
The Bitsa Card is ideal for crypto users who want to spend their digital assets in the real world without the need for traditional bank accounts. Its support for a wide range of cryptocurrencies and the option to earn cashback make it attractive for those who frequently transact in digital currencies. However, users should be aware of the fees associated with certain transactions and the custodial nature of the service, which means they do not have direct control over their private keys.
For those who prioritize convenience and flexibility, the Bitsa Card offers a compelling solution. However, users who are sensitive to fees or prefer non-custodial solutions may need to consider other options. For more detailed comparisons, visit our comparison page or check out our rating methodology to understand how we evaluate crypto cards.
Overall, the Bitsa Card provides a solid option for those looking to integrate cryptocurrencies into their daily spending habits, with a focus on flexibility and ease of use.
Fees & costs
| Fee | Amount |
|---|---|
| Annual / issuance | FREE €0; MOVE €0.99/mo (€8.99/yr); PRO €9.99/mo (€69.99/yr). Card issuance: physical €20, virtual €2.50 |
| FX / spend fee | 1.75% (international non-euro); 2% (rest of world) |
| ATM withdrawal | Eurozone: ATM operator fee passed on; non-euro: €0.55 + 1%, minimum €0.75 |
| Top-up / load | External card reload 1.5% commission (limited free reloads per plan); voucher redemption 0%–6% |
| Staking / lockup | — |
Pros & cons
Pros
- Prepaid Visa loadable with 20+ cryptocurrencies, converted to euros
- Free entry plan and 'no additional verifications' onboarding (light KYC)
- European IBAN and cashback up to 15% on PRO
Cons
- FX fee up to 2% and external-card reload commission of 1.5%
- Custodial (no external wallets/keys); best cashback and unlimited limits gated behind €9.99/mo PRO
Supported crypto
Coins:
Our take
The Bitsa Card offers a flexible way to spend cryptocurrencies in Europe with varying fee structures and cashback options, but users must weigh the benefits against the costs and custodial nature of the service.