Embily Card vs Bitsa Card
How does Embily Card compare to Bitsa Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Bitsa Card · provisional, see how we rate
Quick answer. Embily Card and Bitsa Card are both crypto cards — here's how they differ. Key differences: network (Embily Card: Visa (announced transition to Mastercard) vs Bitsa Card: Visa); annual fee (Embily Card: EUR 2.00 per month (monthly fee) vs Bitsa Card: FREE €0; MOVE €0.99/mo (€8.99/yr); PRO €9.99/mo (€69.99/yr). Card issuance: physical €20, virtual €2.50). Our provisional scoring rates Bitsa Card higher (7.9/10 vs 6.5/10), but the best pick depends on your country and how you spend.
| Feature | Embily Card | Bitsa Card |
|---|---|---|
| Our score | 6.5/10 | 7.9/10 |
| Type | Debit | Prepaid |
| Networks | Visa (announced transition to Mastercard) | Visa |
| Rewards | — | Cashback up to 15% (PRO plan) |
| Annual fee | EUR 2.00 per month (monthly fee) | FREE €0; MOVE €0.99/mo (€8.99/yr); PRO €9.99/mo (€69.99/yr). Card issuance: physical €20, virtual €2.50 |
| FX fee | No additional transaction fees on purchases made in the UK or EEA | 1.75% (international non-euro); 2% (rest of world) |
| ATM fee | — | Eurozone: ATM operator fee passed on; non-euro: €0.55 + 1%, minimum €0.75 |
| KYC | — | Light |
| Custody | Custodial | Custodial |
| Supported coins | — | BTC, ETH, USDC, XRP, LTC, TRX, DAI, ADA, SOL, BAT, DOGE, DOT, AVAX, SHIB, MATIC, DASH, SUSHI, XTZ, LINK (20+) |
| Availability | Worldwide (UK / EEA referenced for fee terms) | Europe (provides a European IBAN) |
| Apple / Google Pay | — | — |
Embily Card and Bitsa Card cater to different needs in the crypto card space, making the choice largely dependent on your specific priorities. Embily Card focuses on simplicity with a straightforward fee structure, while Bitsa Card offers a variety of plans and a broader range of supported cryptocurrencies. Here’s a detailed breakdown to help you decide which card might be the better fit for you.
Choose Embily Card if…
- You want a straightforward fee structure: Embily Card charges a flat monthly fee of EUR 2.00 with no additional transaction fees on purchases made in the UK or EEA. This simplicity can be appealing if you prefer predictable costs.
- You need worldwide usability: Embily Card is available worldwide, making it a versatile option for international users. The announced transition to Mastercard could also expand its acceptance.
- You prefer a debit card: If you favor the flexibility of a debit card over a prepaid option, Embily Card is the clear choice.
- You want to avoid high top-up fees: Embily Card charges a 1% fee on top-ups, which is lower than Bitsa Card’s external card reload commission of 1.5%.
Choose Bitsa Card if…
- You want cashback rewards: Bitsa Card offers cashback up to 15% with its PRO plan, which can be a significant benefit if you frequently use your card for purchases.
- You need a prepaid card: Bitsa Card is a prepaid option, which can be advantageous if you prefer to manage your spending with a preloaded balance.
- You want support for multiple cryptocurrencies: Bitsa Card supports over 20 cryptocurrencies, including popular options like BTC, ETH, and USDC, making it a great choice if you want to manage multiple digital assets.
- You are based in Europe: Bitsa Card provides a European IBAN, which can be useful for banking and financial transactions within Europe.
- You are comfortable with a light KYC process: Bitsa Card offers a light KYC process, which might be preferable if you are looking for a less stringent verification process.
Bottom line
When choosing between Embily Card and Bitsa Card, consider your priorities regarding fees, rewards, and supported cryptocurrencies. Embily Card is ideal for those who value a simple, worldwide debit card with predictable costs. On the other hand, Bitsa Card is a better fit for users who want cashback rewards, support for multiple cryptocurrencies, and a prepaid option with a European IBAN. For more detailed comparisons, visit our how we rate page.