The Bitrefill Card earns 2% store credit cashback on a Visa debit card with no annual fee, available in EEA (28 countries; Hungary paused).
Bitrefill is a crypto spending marketplace best known for selling gift cards, mobile refills, and bill payments for Bitcoin, Lightning, and stablecoins. The Bitrefill Card extends that marketplace into a prepaid Visa for EEA residents, funded by crypto deposits, with rewards paid back into Bitrefill store credit rather than cash.
The Bitrefill Card is a crypto debit card offered by Bitrefill, available in EEA (28 countries; Hungary paused). It offers 2% store credit cashback rewards on purchases. There is no annual fee to hold this card. It runs on the Visa network and requires standard 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. Compare more options in our best crypto cards in Europe guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 2% | 1% on every crypto deposit plus 1% on every card purchase, uncapped and non-expiring; paid in EUR as Bitrefill store credit. Deposits to bank accounts, cash outs, and ATM withdrawals earn nothing |
On $500/mo spend, the estimated monthly cost breakdown for Bitrefill Card is: gas $0.00, conversion spread $7.50, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $5.00/mo cashback that is still a net cost of about $2.50/mo ($30.00/yr). Bitrefill 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: Rewards are NOT cash: the 2% (1% on deposit plus 1% on spend) is paid in EUR as Bitrefill store credit, which can only be spent on gift cards and mobile refills on Bitrefill and cannot be withdrawn or moved to the card balance. Both virtual and physical cards are free, with no issuing, postal, or monthly fee, but an inactivity fee of EUR 10/month applies after 12 months with no spending or cash-out. Cashback is earned on deposits and card purchases only: deposits to bank accounts, cash outs, and ATM withdrawals earn nothing. Deposits carry a variable crypto-to-fiat spread rather than a published flat percentage, and the final charge is shown for approval before each deposit is confirmed. Two verification tiers: Starter (identity verification) allows EUR 10,000/month and EUR 15,000 total lifetime deposits, Plus (identity plus address) allows EUR 15,000/month; both cap at EUR 10,000/day, EUR 200 contactless, and EUR 350/day and EUR 3,000/month at ATMs. Eligibility is EEA residency: Bitrefill's eligible-country list names 28 countries (the EU states other than Hungary, plus Norway and Iceland), and a separate help article says Bitrefill is temporarily unable to onboard new Hungarian residents to the card. Citizens of the United States and the Russian Federation are excluded regardless of residency, with one carve-out Bitrefill states explicitly: Russian citizens who also hold EU/EEA citizenship are eligible. No equivalent carve-out is offered for US citizens. Bitrefill's terms (section 26, read manually 2026-10-24) state the Bitrefill Card is issued, and related payment services provided, by Wallester AS (registry code 11812881); this is separate from Bitrefill's US Visa gift card product. KYC CORRECTION (2026-08-27): the tiers are the reverse of what was previously recorded here. Starter requires no identity verification (EUR 10,000/mo, EUR 15,000 lifetime deposit); Plus requires identity verification and raises the limit to EUR 15,000/mo, adding unlimited SEPA withdrawals and no Bitrefill FX fee. The card page also now names the operator, Airfill Prepaid AB (559001-6035), Stockholm, though the card issuer itself is still described only as a licensed partner. New perk: 20GB of monthly eSIM data when depositing over EUR 500 in crypto per month. Bitrefill's card pricing page (read 2026-10-24) describes the deposit fee only as "a variable spread reflecting the crypto to fiat exchange cost", with the final amount shown for approval; a fixed 1.99% figure in an older help article is not repeated there. The help centre's verification article also lists proof of identity and a liveness selfie for Starter, which conflicts with the KYC correction above and with the pricing page's statement that identity verification is required for higher limits. Crypto deposits accept BTC (on-chain and Lightning), BNB, ETH, POL, SOL and USDC; USDT deposits ended on 17 March 2025. The minimum top-up is EUR 15, and the virtual card works with Google Pay while Apple Pay is not supported. VERIFICATION GAP (2026-10-31): The FX fee is not confirmed for both verification tiers, because a Bitrefill help article says the card has no foreign exchange fees and applies the Visa exchange rate, while the card page lists no foreign transaction fees from Bitrefill as a Plus tier feature only.
Other crypto cards in the same region or category that may suit your spending profile:
The Bitrefill Card is a crypto debit card offered by Bitrefill. It is available in EEA (28 countries; Hungary paused) and allows users to spend cryptocurrency at merchants worldwide.
The Bitrefill Card offers 2% store credit cashback.
The Bitrefill Card has an annual fee of $0. Additional fees: Conversion fee: Variable spread, shown before deposit is confirmed; FX fee: 0% from Bitrefill (Visa exchange rates apply); ATM: 2.49%; Top-up: Variable spread, shown before deposit is confirmed; Inactivity: €10/month after 12 months with no spending or cash-out.
The Bitrefill Card has the following limits: daily spending limit: EUR 10,000; monthly spending limit: EUR 10,000 (Starter, EUR 15,000 lifetime) / EUR 15,000 (Plus); daily ATM withdrawal limit: EUR 350. Limits can vary by account tier and verification level.
Supported assets include BTC, BNB, ETH, POL, SOL, USDC; top-up methods include Crypto deposit; crypto deposits are supported on Bitcoin, Lightning, BNB Smart Chain, Ethereum, Polygon, Solana.
Yes. Bitrefill requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Bitrefill Card is available in EEA (28 countries; Hungary paused).
The Bitrefill Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Bitrefill Card supports Google Pay for contactless payments.
The Bitrefill Card is issued by Wallester AS. Licences: Payment institution (licence no. 4.1-1/224) (Finantsinspektsioon, EEA).
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.