Issued by Bit.Store through licensed entities including Bitstore Europe UAB — European Electronic Money Institution (EMI) license in Lithuania (#306465386)
Bit Store CardReview
Custodial prepaid Visa/Mastercard with a no-KYC virtual card option for spending 40+ cryptocurrencies.
The verdict
Best for: Privacy-conscious users wanting a no-KYC virtual card for spending 40+ cryptocurrencies.
Skip if: You need reliable fund access, as many users report prolonged service outages.
- No-KYC virtual card has a $10,000 monthly limit.
- 1.5% crypto reload fee and €1 monthly fee apply.
How it works
Funding: Cryptocurrency (40+ supported) · EUR · Bit.Store web app · Telegram bot · Integrated exchange platforms (Gate Pay, Binance Marketplace)
Rewards calculator
- $0–∞ @ 0.75% → $15 on $2,000
Tier requirements & loyalty
Referrals: $1 USDT reward for both referrer and referee when a friend successfully applies for a TON Virtual Card via Telegram bot
Fees
| other fees | ATM Balance Enquiry: €0.70 (physical card). |
| top up fee | 2% for EUR reloads; 1.5% for crypto reloads. |
| monthly fee | €1 ($1 USD) per active card. |
| issuance fee | Free for virtual card; €29.50 for physical card. |
| atm withdrawal fee | Physical card only: 0% (minimum €3) for EUR withdrawals; 2% (minimum €3) for non-EUR withdrawals outside Europe. |
| foreign transaction fee | 2% for non-EUR transactions outside Europe. |
Custody & risk
- If the issuer disappearsIf the provider disappears, users may lose access to their funds. No specific insurance coverage for crypto deposits is mentioned.
- Counterparty riskExtended service outages with users unable to access funds for months
- Counterparty riskMonthly fees continue to be deducted during service disruptions from trapped balances
- Counterparty riskUnresponsive or unhelpful customer support during crises
The platform holds all crypto on behalf of users. Users do not control their private keys; funds are managed by Bit.Store and must be converted to fiat to be loaded onto the card.
Protections
- 2-Factor Authentication (2FA)
- EMV chip and PIN (physical cards)
- NFC/contactless with security limits
- Card freezing capability through app
- AML monitoring for suspicious activity
Insurance & coverage: No specific insurance coverage mentioned
Limits
The good
- No-KYC virtual card option available.
- Available in 150+ countries.
- Supports 40+ cryptocurrencies and BRC-20 tokens.
- Integrates with Apple Pay and Google Pay.
- 1.5% crypto and 2% EUR reload fees.
The catches
- Critical reliability issues reported throughout 2025.
- €1 monthly fee charged during service outages.
- Physical card limited to a €50,000 monthly load.
- Unclear cashback rate (est. 0.5-1%).
- 2% foreign transaction fee outside Europe.
Limitations
- majorCRITICAL: Extended service outages continuing into 2025 with many users unable to access funds for months
- majorMonthly maintenance fees continue even during extended service outages
- majorFully custodial model with no insurance coverage mentioned
- majorPoor customer support responsiveness during service disruptions
- moderateNot available in the United States despite holding MSB license
- minorPhysical card limited to €50,000 monthly loads and €5,000 daily loads
- minor2% EUR reload fee / 1.5% crypto reload fee when loading the card
- minorLimited transparency around exact cryptoback reward rates
- minor2% foreign transaction fee outside Europe
- minorMay not work for certain pre-authorization holds (car rentals, hotels)
What users say
Poor rating largely due to reliability issues that have persisted well beyond initial late-2024 problems. Positive aspects noted include easy sign-up, global acceptance, and low fees when working properly.
Rating breakdown
See our methodology for how we score each axis.