Bitsa Card Review (2026)

The Bitsa Card is a Visa debit card with a €20 physical annual fee, available in EEA.

Reviewed by Card Pilled Editorial · Last verified 2026-06-19

Key Facts

Cashback
0%
Annual Fee
€20 physical
Region
EEA
Type
Debit
Network
Visa
KYC
standard
Mobile Pay
Apple Pay, Google Pay, Samsung Pay

Overview

Bitsa is a prepaid Visa card with an integrated crypto module, operated by BITSA SAS, a French simplified joint-stock company registered in Nice (RCS Nice 885097345). The card is issued under license from Visa by Pecunia Cards E.D.E. (PECUNPAY), a Madrid-based electronic money institution registered with the Bank of Spain, and crypto buy/sell functionality inside the Bitsa app is provided by Bitnovo, a Spanish virtual asset service provider.

The Bitsa Card is a crypto debit card offered by Bitsa, available in EEA. The annual fee starts at €20 physical. It runs on the Visa network and requires standard identity verification.

Fees & Costs

Conversion Fee
1.89-2.39% (tier-based)
FX Fee
0% Eurozone / 1.75% non-euro EU / 2% RoW
ATM Withdrawal
Eurozone: operator only; non-euro EU: €0.55 + 1% (min €0.75); RoW: same
Top-Up Fee
1.5% external card; vouchers 0-6%

Cost & Returns

On $500/mo spend, the estimated monthly cost breakdown for Bitsa Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $1.67, for a total drag of 1.8% of spend. After $0.00/mo cashback that is still a net cost of about $9.17/mo ($110.04/yr). Bitsa 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.

Pros

Cons

Note: Tiered Visa prepaid card available across EEA (Spain, France, Germany, Italy, Portugal, Netherlands, Austria, Belgium, etc.). Three plans: Free (EUR 1,500/day), Move (EUR 8.99/yr, EUR 5,000/day), Pro (EUR 69.99/yr, EUR 15,000/day, up to 15% cashback marketed in Pro). Funding via crypto or bank transfer. Apple Pay, IBAN/SEPA banking integration. €2.50 virtual card available.

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FAQ

What is the Bitsa Card?

The Bitsa Card is a crypto debit card offered by Bitsa. It is available in EEA and allows users to spend cryptocurrency at merchants worldwide.

What are the fees for the Bitsa Card?

The Bitsa Card has an annual fee of €20 physical. Additional fees: Conversion fee: 1.89-2.39% (tier-based); FX fee: 0% Eurozone / 1.75% non-euro EU / 2% RoW; ATM: Eurozone: operator only; non-euro EU: €0.55 + 1% (min €0.75); RoW: same; Top-up: 1.5% external card; vouchers 0-6%.

Where is the Bitsa Card available?

The Bitsa Card is available in EEA. Its availability status is "EEA".

Is the Bitsa Card a credit or debit card?

The Bitsa Card is a debit card. You need to load cryptocurrency onto the card before making purchases.

Does the Bitsa Card support Apple Pay or Google Pay?

Yes, the Bitsa Card supports Apple Pay and Google Pay and Samsung Pay for contactless payments.

Visit Bitsa

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