The Bit2Me Card earns 0.25-9% B2M cashback on a Mastercard debit card with no annual fee, available in EEA + Argentina.
Bit2Me is a Spanish crypto exchange and digital asset platform founded in 2014 by Leif Ferreira, Andrei Manuel, and Koh Martínez. The company offers exchange, wallet, OTC, and card services and has raised funding from investors including Telefónica.
The Bit2Me Card is a crypto debit card offered by Bit2Me, available in EEA + Argentina. It offers 0.25-9% B2M cashback across 4 reward tiers, with higher rates unlocked by staking the provider's native token. The annual fee starts at €0.
Best suited for the provider's native token holders willing to stake for higher rewards. It runs on the Mastercard network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Browse all our regional card guides. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Entry Level | 0.25% | Free, €1,000 in assets, €7.50/mo cashback cap |
| Mid Level | 3% | Space Center missions + B2M holding/staking (level breakpoints not publicly numbered) |
| Top Level (Level 7) | 7% | Maximum Space Center level via missions (trading, redemptions, holdings); cannot be reached by staking alone |
| B2M Payment Bonus | 9% | Pay with B2M tokens at Space Center Level 1+ (stacks on top of tier rate) |
The e-money account behind the card (issued by Pecunia Cards, trading as Pecunpay) has a contractual IBAN, but Bit2Me only surfaces its own bank details plus a reference code for deposits; no personal IBAN is shown to users. Deposits and withdrawals are own-name only. EEA residents only (Argentina card eligibility was removed).
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Bit2Me Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $1.00/mo cashback that is still a net cost of about $6.50/mo ($78.00/yr). Bit2Me Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Largest Spanish crypto exchange. MiCA compliant. Cashback paid in B2M tokens (Mastercard issued by Credencial Payments in Argentina). Free ATM withdrawals in EU. €5 delivery surcharge outside Spain. Expanded to Argentina (virtual only) in 2026 as first LATAM market; Colombia, Mexico, Brazil planned next via deepened Mastercard partnership. Portugal/Italy expansion underway. Exact Space Center level breakpoints not fully public; entry is 0.25% (€7.50/mo cap), scales to 7-9% at top levels with B2M staking. Cumulative cashback up to 39% advertised when stacking card cashback with linked stablecoin yield products.
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The Bit2Me Card is a crypto debit card offered by Bit2Me. It is available in EEA + Argentina and allows users to spend cryptocurrency at merchants worldwide.
The Bit2Me Card offers 0.25-9% B2M cashback. There are 4 tiers: Entry Level (0.25%), Mid Level (3%), Top Level (Level 7) (7%), B2M Payment Bonus (9%).
The Bit2Me Card has an annual fee of €0. Additional fees: Conversion fee: 0.95%; FX fee: 1.75% SEPA non-EUR / 2% RoW; ATM: Spain free; Eurozone international €2.50; outside €0.55 + 1%.
The Bit2Me Card has the following limits: daily spending limit: EUR 2,500 (also per transaction); monthly spending limit: EUR 20,000; daily ATM withdrawal limit: EUR 300 (EUR 3,000/mo). Limits can vary by account tier and verification level.
Yes. The Bit2Me Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Bit2Me Card is available in EEA + Argentina.
The Bit2Me Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Bit2Me Card supports Apple Pay and Google Pay for contactless payments.
Yes, the Bit2Me Card requires staking the provider's native token to unlock higher cashback tiers. The card has 4 reward tiers: Entry Level (0.25%, requires Free, €1,000 in assets, €7.50/mo cashback cap); Mid Level (3%, requires Space Center missions + B2M holding/staking (level breakpoints not publicly numbered)); Top Level (Level 7) (7%, requires Maximum Space Center level via missions (trading, redemptions, holdings); cannot be reached by staking alone); B2M Payment Bonus (9%, requires Pay with B2M tokens at Space Center Level 1+ (stacks on top of tier rate)). Higher staking amounts yield better reward rates, but consider the opportunity cost of locking tokens.
The Bit2Me Card is issued by Pecunia Cards EDE, S.L.U.. Licences: EMI (Banco de España register no. 6707) (Banco de España, EEA).
Funds are safeguarded by Pecunpay under Spanish payment-services law and deposited at Banco Sabadell, Unicaja, Inversis, and Abanca as depositary banks; e-money is not covered by deposit guarantee schemes.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.