The BIX Card is a Visa debit card with a $0 (card $9.99) fee, available in 99 countries (31 US states).
BIX is a neo-finance app that pairs a self-custody crypto wallet with a Visa card spent from USDT or USDC. In the US the card is issued by Third National under a secured credit card agreement collateralised by the user's wallet.
The BIX Card is a crypto debit card offered by BIX, available in 99 countries (31 US states). There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. 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. Compare more options in our regional guides for the US, Europe, and Latin America. See where it ranks among the best crypto debit cards.
BIX Card is offered in 99 countries according to the provider's published list.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | No cashback today; rewards are announced as coming soon |
On $500/mo spend, the estimated monthly cost breakdown for BIX 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). BIX 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: Self-custody BIX Wallet paired with a Visa card spent from USDT or USDC. Topping up moves stablecoins from the wallet into the card's own smart contract, which holds the spendable balance. Two programmes: residents of 31 US states (Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, Wyoming) get a Visa Signature card, which the US cardholder agreement structures as a secured credit card issued by Third National and collateralised by the linked wallet, with no interest and no late or annual fees; residents of the other listed countries get a Visa Platinum card whose issuer is not named. The help centre itself describes the card as a debit card linked to the BIX Wallet. FEES: the US cardholder agreement lists a 3% transaction fee on each purchase plus 1% FX and $9.99 per virtual card created; the help centre fee table adds $0.75 on charges under $50, $0.65 per declined transaction and $1 + 0.6% per ATM withdrawal. A help centre article says the 3% applies only to some purchases, so the per-purchase figure is recorded as the default. Plastic card $100.99 in select countries; Metal and Gold cards are coming soon; US physical cards are coming later. No cashback today: international Visa Platinum cards are not eligible for rewards, and US cardholders get Visa Signature benefits (lounge access, rental car insurance, travel discounts) through Visa's own portal. A $9.99/month VIP subscription with cash back, a SEPA IBAN or US ACH on/off-ramp and card discounts is announced but not live. International limits apply per card (up to 5 virtual and 2 physical): EUR 30,000 per transaction, day and month, EUR 75,000 per 3 months, EUR 100,000 per 6 months; ATM EUR 750/day, EUR 5,000/month, 5 withdrawals/day. US cardholders set their own limits in-app. GAPS: a June 2026 press release claims up to 5% cashback and a Helsinki headquarters, and a September 2026 release names Bix Ltd (Cayman Islands, Dubai offices), 29 states and a $99 physical card; the official help centre contradicts the cashback, state count and price, and neither corporate entity is confirmed on bix.fi. A July help article calling the virtual card free is superseded by the $9.99 price in the cardholder agreement and card-types page.
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The BIX Card is a crypto debit card offered by BIX. It is available in 99 countries (31 US states) and allows users to spend cryptocurrency at merchants worldwide.
The BIX Card has an annual fee of $0 (card $9.99). Additional fees: Conversion fee: 3% transaction fee per purchase; $0.75 on charges under $50; $0.65 per declined transaction; FX fee: 1%; ATM: $1 + 0.6%.
The BIX Card has the following limits: daily spending limit: EUR 30,000 per card (international); set in-app (US); monthly spending limit: EUR 30,000 per card (international); set in-app (US); daily ATM withdrawal limit: EUR 750 (5 withdrawals, international physical card). Limits can vary by account tier and verification level.
Supported assets include USDT, USDC; top-up methods include Top-up from the self-custody BIX Wallet into the card's smart contract; crypto deposits are supported on Ethereum, Polygon, Optimism, Arbitrum.
Yes. The BIX Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The BIX Card is available in Andorra, Antigua and Barbuda, Argentina, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Bolivia, Brazil, Bulgaria, Cayman Islands, Chile, Colombia, Costa Rica, Côte d'Ivoire, Croatia, Cyprus, Czech Republic, Denmark, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Estonia, Finland, France, Georgia, Germany, Ghana, Gibraltar, Greece, Grenada, Guatemala, Guernsey, Guyana, Honduras, Hungary, Iceland, Ireland, Isle of Man, Italy, Japan, Jersey, Kazakhstan, Kenya, Latvia, Lithuania, Luxembourg, Macao, Malaysia, Malta, Mexico, Moldova, Monaco, Montenegro, Morocco, Netherlands, New Zealand, Nigeria, Norway, Pakistan, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Romania, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Suriname, Sweden, Switzerland, Taiwan, Thailand, Trinidad and Tobago, Turks and Caicos Islands, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Zambia, according to the provider's published list.
The BIX Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the BIX Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
The BIX Card is issued by Third National.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.