CoinsOnCards

    Bitrefill CardReview

    Prepaid Visa debit card for EU/EEA residents converting multiple cryptocurrencies to EUR.

    2.5· Updated: Tier System Update: Transitioned from three-tier system (Starter, Plus, Freedom) to two-tier system (Starter, Plus). Freedom tier with live video call verification discontinued.
    Visit issuer
    Cashback
    Up to 0.00%
    Custody
    hybrid
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: EU/EEA residents spending crypto from Bitcoin Lightning, Ethereum, Polygon, and Solana.

    Skip if: You want cashback rewards or live outside the 28 eligible EU/EEA countries.

    • No monthly fees, but a 1.99% fee on all crypto deposits.
    • Supports Bitcoin Lightning, but offers 0% cashback rewards.
    • Available in 28 EU/EEA countries, but excludes US/UK/Canadian residents.
    Get the Bitrefill Card

    How it works

    • Key Features
    • - Crypto-to-euro conversion with support for BTC (including Lightning Network), ETH, USDC, USDT, BNB, POL, and SOL
    • - Two-tier verification system with increasing limits and capabilities
    • - Instant virtual card issuance with optional physical card
    • - No monthly fees, annual fees, or transaction fees for euro purchases
    • - Available exclusively to EU/EEA residents (including Norway and Iceland)
    • Main Advantages
    • - Transparent fee structure with no hidden charges
    • - Lightning Network support for fast Bitcoin deposits
    • - Free SEPA withdrawals (within spending limits)

    Funding: Bitcoin (on-chain) · Bitcoin Lightning Network · Ethereum · USDC (Ethereum, Polygon, Solana) · USDT · BNB · POL (Polygon) · SOL (Solana)

    Fees

    BankingSEPA: true · IBAN: true · Virtual accounts: true · Virtual IBAN issuing for fiat deposits and withdrawals. SEPA payment support for cash-out transactions (free within spending limits). Shared transaction limits between card payments and SEPA cash-outs. Euro-denominated accounts for all card balances. SEPA cash-out functionality is temporarily unavailable for Swedish residents.

    Custody & risk

    • Counterparty risk
      If provider disappears, card balance is lost - only unconverted crypto remains accessible

    Users control private keys until depositing crypto to the card. Upon deposit, crypto is converted to EUR and held by the card provider. If provider disappears, only unconverted crypto remains accessible to the user; card balance is lost.

    Protections

    • 3D Secure protection on all transactions
    • Instant push notifications for transaction monitoring
    • Ability to freeze or revoke the card instantly via the app
    • Two-factor authentication for account access

    Custody partners: Striga Technology AS (licensed Estonian VASP), Wallester AS (regulated Estonian fintech)

    Limits

    notes
    Payments and cash-out transactions share the same spending limits. Minimum deposit €10 (funds don't show until combined deposits reach €10).
    atm daily
    €350
    atm monthly
    €3,000
    daily spending
    €10,000
    per transaction
    €200 contactless limit
    monthly spending
    €10,000 (Starter) / €15,000 (Plus)

    The good

    • No monthly or annual fees.
    • Supports BTC Lightning, ETH, SOL, Polygon.
    • No FX fees; uses Visa-network rates.
    • Instant virtual card issuance.

    The catches

    • 1.99% fee on all crypto deposits.
    • Offers 0% cashback or rewards.
    • Restrictive €200 contactless payment limit.
    • €10 inactivity fee after 12 months.

    Limitations

    • majorRestricted to EU/EEA countries only (excluding Hungary)
    • majorNot available to US citizens regardless of residency
    • moderate1.99% fee on all crypto deposits plus variable exchange cost
    • moderateNot available to Russian Federation citizens (unless holding dual EU/EEA citizenship)
    • moderateNo built-in cashback or reward program
    • moderateSEPA cash-out unavailable for Swedish residents
    • minor€200 contactless payment limit per transaction
    • minor€10 monthly inactivity fee after 12 months without transactions
    • minorCannot use mobile numbers from Kyrgyzstan or Tajikistan for signup

    What users say

    App Store
    4.7/5.0 (372 ratings)
    Google Play
    4.5/5.0 (2,468 ratings)
    Trustpilot
    4.8/5.0 (2,361 ratings)

    Generally positive, with Bitrefill maintaining a 4.8/5 Trustpilot score overall

    Rating breakdown

    Net reward
    0.0
    Custody risk
    3.5
    Availability
    1.5
    User experience
    4.7
    Features & convenience
    4.0

    See our methodology for how we score each axis.