Bitrefill Card

The Bitrefill Card is a Visa crypto debit card that lets eligible users convert supported cryptocurrencies into euros and spend the resulting card balance online, in stores and at ATMs. Bitrefill offers both virtual and physical cards.

The product is designed around keeping crypto in your own wallet until you decide to fund the card. When you deposit supported crypto, the card programme converts it into a euro balance that can then be used through Visa.

The card currently has no issuance fee or monthly fee, and Bitrefill also offers cashback on deposits and eligible spending. It is primarily available to residents of supported European Economic Area countries. The key distinction is that Bitrefill itself does not take custody of the card crypto assets: custody and exchange services are handled by its licensed card partner.

You first order and verify the card, then choose a supported cryptocurrency and deposit it to the card using the address shown in your Bitrefill account. The crypto is converted into euros and credited to the card balance.

Once funded, the card works like a normal Visa payment card. You can use it online, in stores and, with the physical card, at compatible ATMs. The merchant receives a standard Visa payment rather than cryptocurrency.

This means your crypto remains outside the card until you decide to deposit it. Bitrefill's current setup supports funding from Bitcoin, Ethereum and USDC across several networks, with the exact options shown before deposit. The final exchange amount is displayed for approval before you confirm the crypto-to-euro conversion.

Partly. Bitrefill lets you keep crypto in your own wallet until you choose to deposit it to the card, so you do not need to leave a large crypto balance permanently with Bitrefill.

Once you fund the card, however, the deposited crypto is handled through the card programme. Bitrefill says custody and exchange of crypto assets are currently provided by Lightspark Payments Europe, while Wallester provides the card infrastructure. Bitrefill itself says it never takes possession of or has access to your funds.

So the product is better described as self-custody-friendly rather than fully self-custodial from start to finish. You control where your crypto sits before funding, but a prepaid euro card balance necessarily relies on third-party financial infrastructure after the deposit is converted.

Bitrefill's current Help Centre says custody and exchange of crypto assets for the card are handled by Lightspark Payments Europe, or LSP EU, a virtual asset service provider authorised by Estonia's Financial Intelligence Unit.

The Visa card itself is provided through Wallester's card infrastructure. Bitrefill directs users to Wallester's card terms for the payment-card relationship.

This separation is important because Bitrefill is the user-facing brand and ecommerce platform, while regulated partners handle the crypto conversion and card issuance functions. Bitrefill states that it never takes possession of or has access to the user's card funds. When evaluating protections or responsibilities, users should therefore review the terms of the relevant partner as well as Bitrefill's own card documentation.

Bitrefill's current pricing page lists Bitcoin on the Bitcoin and Lightning networks, Ethereum on Ethereum, and USDC on Ethereum, Polygon and Solana as supported card deposit methods.

The exact list can change as Bitrefill and its card partners add networks or assets. Older Bitrefill articles referenced a somewhat different set of supported tokens, so the current card deposit screen and pricing page should be treated as the authoritative source.

Funding the card converts the selected crypto into euros. You therefore do not spend the token directly at the merchant. Before sending funds, confirm both the asset and network shown in the card interface. Sending a supported token over the wrong blockchain can result in the transfer not being credited.

Bitrefill currently charges no card issuance fee and no monthly fee. Instead of a fixed deposit percentage, the crypto-to-euro conversion uses a variable spread reflecting the exchange cost, with the final amount shown before you confirm the deposit.

ATM withdrawals currently cost 2.49%, and ATM access is available only with the physical card. SEPA withdrawals from the card balance are included within the card's spending limits and are promoted as free, although availability can vary by residence.

Bitrefill also applies a €10 monthly inactivity fee after 12 continuous months without spending or cashing out, provided the card still has enough balance. Users receive advance notice before the inactivity fee starts. This means an actively used card can have no recurring card fee, but leaving money dormant on it for a year can become expensive.

Bitrefill currently offers two separate 1% rewards: 1% cashback when you deposit crypto to the card and 1% cashback on eligible card spending. This is why Bitrefill markets the programme as up to 2% across the deposit-and-spend cycle.

Cashback is credited in euros and can be redeemed as Bitrefill store credit for gift cards, eSIMs, phone refills and other products in Bitrefill's catalogue. Bitrefill says the reward does not expire and there is no per-transaction cashback cap.

Some transactions are excluded. Cash outs, ATM withdrawals and deposits to bank accounts using the card do not earn spending cashback. The reward is therefore not the same as receiving 2% cash back into your bank account. It is split across deposit and purchase activity and is ultimately redeemable inside the Bitrefill ecosystem.

Bitrefill's current Starter tier has a €10,000 daily spending limit and €10,000 monthly spending limit. It also has a €15,000 lifetime card deposit limit.

Higher verification can unlock the Plus tier, which raises the monthly spending limit to €15,000 and removes the basic lifetime deposit restriction. Bitrefill states that payments and cash-out transactions share the same overall limits.

Contactless payments are capped separately at €200. The exact limits shown in your account can depend on your identity-verification level and partner controls, so users planning large transfers or purchases should check the live card dashboard before relying on the headline figures. Higher limits require additional identity or source-of-funds verification.

Yes. The physical Bitrefill Card can be used at Visa-compatible ATMs, allowing users to turn the euro card balance into cash.

Bitrefill currently charges 2.49% for ATM withdrawals. The ATM operator may add its own surcharge or apply currency conversion, so the final cost can be higher than Bitrefill's own fee. ATM withdrawals also count towards the card's transaction and spending limits.

The virtual Bitrefill Card cannot be used for ordinary ATM withdrawals. If cash access is important, you need the physical card. Bitrefill also offers another way to cash out: eligible users can withdraw card funds by SEPA bank transfer, which Bitrefill currently includes without an additional SEPA withdrawal fee, subject to the account's limits and regional availability.

Google Pay is supported for the virtual Bitrefill Card. Bitrefill's current Help Centre says the virtual card can be added to Google Wallet for contactless Android payments.

Apple Pay is not currently supported according to Bitrefill's latest dedicated Help Centre article. Bitrefill has said Apple Pay support is planned, but users should not treat a future roadmap item as an active feature.

The physical card also cannot currently be added to Apple Pay or Google Pay, although the physical card itself supports contactless Visa payments after activation. To enable contactless on the physical card, Bitrefill instructs users to make the first payment by inserting the card and entering the PIN. The virtual and physical cards therefore have different mobile-wallet capabilities.

The Bitrefill Card is available to people aged 18 or over who pass the card partner's identity-verification process and live in a supported European country.

Bitrefill's current eligibility list covers most EU and EEA markets, including Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, the Baltic states, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway and Iceland.

Bitrefill also applies citizenship and geographic restrictions. US citizens and Russian citizens are generally excluded regardless of residence, with an exception for Russian nationals who also hold EU or EEA citizenship. Because regulatory rules change, check the live eligibility list before beginning verification.

Yes. Bitrefill currently lets eligible users order both a virtual card and a physical card, and both are offered without an issuance fee.

You choose which one to request first after completing identity verification. If you select the virtual card, it can be activated immediately and used the same day. You can then request the physical card separately from the Cards section. If you order the physical card first, you can add the virtual card later.

The two formats have different strengths. The virtual card is best for online purchases and Google Pay, while the physical card supports ATM withdrawals and direct contactless Visa payments. Physical delivery currently takes roughly two to four weeks in supported European countries.

Yes. Bitrefill says the card can be used internationally for online and in-store payments at eligible Visa merchants.

There are important geographic restrictions. Bitrefill publishes a list of countries where card transactions are declined, including sanctioned or higher-risk jurisdictions such as Russia, Iran, North Korea, Syria and several others. Verification and card deposits also have a separate restricted-country list.

This means broad Visa acceptance should not be interpreted as universal global use. Before travelling, check Bitrefill's current restricted-country article, particularly if you are visiting a market outside the EEA. The card balance is denominated in euros, so ATM or merchant-side currency conversion can also affect the final amount when spending in another currency.

Go to the Bitrefill Card page, sign in and start the card application. You must complete identity verification through Bitrefill's card partner before the card can be activated.

After approval, choose whether you want the virtual or physical card first. The virtual card can be activated immediately. For the physical card, enter your delivery address, wait for the card to arrive and activate it from the card dashboard.

Once the card is active, choose a supported cryptocurrency and deposit funds using the wallet address or QR code shown in Bitrefill. The crypto is converted into euros and becomes available for card spending. Before sending funds, verify the asset and network shown in the app. Use only Bitrefill's official website or app for verification and card funding.

For card help, use Bitrefill's official Help Centre at https://help.bitrefill.com or the support route available through the Bitrefill website and app. Bitrefill's current card pages state that support is available 24/7.

For transaction or funding problems, keep the card transaction details, crypto network and transaction hash available so support can identify what happened. Do not send a private key, seed phrase or wallet password to anyone claiming to represent Bitrefill.

Because the card relies on external partners for crypto custody, exchange and card infrastructure, some cases may ultimately involve Lightspark Payments Europe or Wallester. Start with Bitrefill support so the issue can be routed correctly. Bitrefill also publishes support@bitrefill.com for general support enquiries.