The Bitsika Card is a Visa debit card with no annual fee, available in Africa (10+ countries).
Bitsika is a Ghanaian crypto remittance and payments startup launched in 2018 by Atsu Davoh and Samuel Boahen that lets African users send money across borders using stablecoins and local currencies. The company received early backing from Microtraction in 2019 and reported roughly $40 million in transaction volume during 2020.
The Bitsika Card is a crypto debit card offered by Bitsika, available in Africa (10+ countries). There is no annual fee to hold this card.
Note that the card is virtual only. It runs on the Visa 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 |
|---|---|---|
| Standard | 0% | No cashback program |
On $500/mo spend, the estimated monthly cost breakdown for Bitsika 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 $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). Bitsika 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: Africa-focused virtual Visa card; usable anywhere Visa is accepted (200+ countries online). Fund with BTC or USDT. Works with Apple Pay, Google Pay, PayPal. No limit on virtual cards created. $3 card creation fee. Full KYC required before any transaction per Bitsika's KYC/AML policy. Card issuance live across 10 African countries. App actively maintained (latest update June 2026, v3.3.38); user reports cite per-transaction fees and inconsistent virtual-card reliability. NOTE: 2026 industry coverage flags 'no-KYC' Africa card models as relying on legal grey areas rather than direct regulatory compliance.
Other crypto cards in the same region or category that may suit your spending profile:
The Bitsika Card is a crypto debit card offered by Bitsika. It is available in Africa (10+ countries) and allows users to spend cryptocurrency at merchants worldwide.
The Bitsika Card has an annual fee of $0. Additional fees: ATM: Not supported (virtual only); Top-up: $3 card creation fee.
Yes. The Bitsika Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Bitsika Card is available in Africa (10+ countries).
The Bitsika Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Bitsika Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.