A prepaid Visa that turns crypto into euros, with some real questions underneath

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Bitsa is one of those products that shows up on lists of “crypto cards for people who can’t get a bank account,” and the pitch is short: load it with Bitcoin, Ethereum or USD Coin, and the card spends euros. That idea is genuinely useful for the reader it was built for. The honest question is what the rest of the package looks like once you actually start using it, and that is what this review is here to walk through with you.

Conditions are current as of October 28, 2026.

Verdict: a middling 5.0 out of 10

Bitsa sits in the middle of the pack. The card form factor is real — a working prepaid Visa with a European IBAN, a physical and a virtual option, and an app that actually handles the crypto side. That alone puts it ahead of products that never quite shipped. But the score lands at 5.0 out of 10 because the experience drags in places that matter: customer support is silent, the user base is loud about account freezes, and the official information about the issuer, the licences and the supported countries is thin enough that you have to take things on faith.

This card suits a fairly specific reader. If you live in a supported European country, you don’t already have a Visa debit card, you mainly need a way to turn crypto into spendable euros, and you can keep the balance modest, the basics work. It does not suit you if you want a high-volume spending account, if you care about a strong customer-service safety net, or if your country is on the restricted list — in which case the question is settled before you start.

How the score breaks down

The everyday-use score is the highest because the card does the basic job well once it is in your wallet. The reliability score is the lowest because the longer the relationship goes on, the more the cracks show.

Who will they give you the card

The single most frustrating thing about researching Bitsa is that the official pages do not publish a list of supported countries. Bitsa’s own documentation does not spell out where it will and will not take customers. So before you download the app and start typing in your details, here is what is publicly visible and what you will only find on third-party sites.

Unofficial reporting — not confirmed by Bitsa itself — says the card is available to residents of 27 EEA countries. The reported supported list runs through Austria, Belgium, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden. That is a wide European footprint.

The same unofficial source flags six countries that are not served. Bulgaria, Canada, Croatia, Latvia, the United Kingdom and the United States appear to be closed. If you live in one of those, the application will not progress, and you will not get a useful answer from the support channels. The absence of an official country list is itself a problem: a card that does not tell you, in plain text, whether it will accept you is harder to trust than one that does.

For a reader outside the EEA entirely, the picture is even murkier. The official pages do not say what happens to applicants from, say, the Gulf, Sub-Saharan Africa, Latin America or most of Asia. In practice, the card seems to be built around a European regulatory and banking footprint, so the realistic answer is that it is not a global product, even if some applications slip through.

What this means for you in practice: do not assume your country is in. Have a plan B. If the card is essential to you, check the third-party list first, and treat the unofficial status as a real risk — Bitsa has not confirmed the list and could change it without much warning.

How to get it

Bitsa describes itself as a prepaid Visa crypto card, available in both physical and virtual form. Crypto is converted to euros on the platform before spending. The card is managed through an iOS and Android app, and the account comes with a European IBAN, which is what lets you receive SEPA transfers and behave a little like a bank account holder.

The official pages do not describe the sign-up flow in detail. From unofficial sources, the typical process looks like this: you download the app, create an account, prove residence in an eligible country, and pass identity verification. There is also a “Bitsa Young” path for 16- to 17-year-olds that uses guardian authorisation inside the app, which is a thoughtful addition for that age group, although the specifics are again not confirmed officially.

What is not stated, and what you should be aware of before you start: the identity checks, the documents the issuer expects, and the level of due diligence applied. Unofficial reporting says accounts can be suspended for failed KYC, for fraud or AML risk, or for missing source-of-funds documents. That last point is important. Crypto-funded cards tend to ask, at some point, where the money came from. If you cannot answer that, the account can be frozen even after months of normal use.

The physical card is listed at 20 EUR, with additional virtual cards at 2.50 EUR each. Delivery times and shipping details are not stated officially. Unofficial sources say they have not been able to pin them down either. If a working delivery date matters to you — for example, you are travelling and need the card in hand — treat this as an unknown.

What this means for you: the on-ramp looks ordinary, but the back end is opaque. The real test of the sign-up flow is what happens when support has to look at your account a few months in.

Fees: what it really costs

This is the section that decides whether Bitsa is worth your money. The headline is that the monthly fee is small but the per-transaction fees are not, and a few everyday patterns can quietly add up.

Cost table

A few things stand out. The first is that the crypto conversion spread — the gap between the market price of, say, Bitcoin and the euro amount that lands in your card — is not stated. That is the single most important number for a crypto-funded card, and its absence is a real gap. The second is that even on the most expensive plan, you still pay 1.5% to reload from an external card and 1.75% to 2% on payments. The monthly fee buys you higher limits and free transfers, not lower per-transaction charges.

Now let’s walk through three everyday payments and what they actually cost you.

Paying for groceries in Spain on the Free plan. You topped the card up by SEPA or with crypto, so there is no reload fee here. The payment is in euros, so there is no FX markup. The cost to you is 0 EUR beyond the cost of the underlying top-up method. This is the case where Bitsa behaves well: in-country euro spending from a euro balance.

Buying a flight from a French website while physically in Germany, on the Free plan. The merchant charges in euros, the card pays in euros, and the transaction is in the euro zone. The cost is again 0 EUR in card fees. The cross-border element is invisible to you because both countries use the same currency.

Booking a hotel in the United States, on the Free plan. This is the case where the fees start to bite. The merchant charges in US dollars, Bitsa converts to euros, and you pay the 1.75% non-euro-zone fee. On a 1,000 EUR hotel, that is 17.50 EUR. Add a 1.5% card reload on the way in if you funded via debit card instead of crypto, and the all-in cost rises. None of this is hidden, but none of it is small either.

For the ATM, the official language is “EUR 0.55 + 1% of the amount, minimum EUR 0.75” abroad, with a 450 EUR daily cap on withdrawals outside Spain. Unofficial reporting fills in the daily allowances: 1 withdrawal up to 350 EUR on Free, 2 up to 350 EUR on Move, 4 up to 900 EUR on Pro, with the Spanish operator fee passed through. For users in Spain, the situation is more favourable; for everyone else, the ATM is a convenience, not a money-saving tool.

What this means for you: Bitsa is cheapest for euro spending from a euro balance that was loaded cheaply. Once you go cross-border or load via card, the fees add up to a level that is competitive with, but not better than, mainstream alternatives. The plan tier mainly buys you capacity, not a better per-transaction rate.

Top up: how to fund the card

The list of funding options is one of Bitsa’s strengths. From the official pages you can see six ways to put money on the card: Bitcoin, Ethereum and USD Coin from a crypto wallet, a debit or credit card, a SEPA bank transfer, the in-app wallet, and a voucher system. The piece that is less clear is the networks. The official material does not say whether Bitcoin means a specific network, whether USD Coin arrives via Ethereum, Solana, Polygon, Base or some other chain, or how the in-app wallet interacts with external wallets.

Unofficial reporting says external-wallet top-ups for BTC, ETH and USDC generate a new address each time, which is the safer approach. The same source notes that in-app crypto is buy-and-sell only, meaning you cannot send holdings out of the Bitsa wallet to an external address, and you cannot have funds sent in from a non-Bitsa wallet in the same way. That is a custodial setup: once crypto is on Bitsa, you are trusting Bitsa with it until you spend.

For non-crypto funding, the unofficial detail is that crypto buy fees are 0% across all plans, which is competitive. External-card top-ups cost 1.5% after any plan-specific allowance. Voucher reloads range from 0% to 6% depending on the voucher, so it is worth checking the rate before buying one. Crypto top-ups can go as high as 20,000 EUR per day.

The plan limits shape the practical ceiling. On the Free plan, you can only put 500 EUR on the card in a day, 1,000 EUR in a month and 2,500 EUR in a year. That is not a card for moving serious sums. The Pro plan removes daily and monthly limits, which makes it usable for higher-volume flows, but at 9.99 EUR a month it only makes sense if you actually use that capacity.

What this means for you: the funding menu is broad, but the most important detail — which networks the crypto deposits use — is not officially disclosed. If you already hold crypto, double-check the supported chain before you send anything. A transfer on the wrong network is, in this category of product, typically unrecoverable, and Bitsa is no exception. Treat the funding step with the same care you would treat sending money to a new exchange.

Paying with it every day

In normal use, Bitsa is unremarkable in the way you want a payment card to be unremarkable. It is a Visa, so it works wherever Visa is taken. It is prepaid, so it cannot overdraw. The European IBAN lets you receive salary or SEPA transfers, which is a feature that distinguishes Bitsa from pure crypto cards that only top up via on-chain transfers.

Unofficial sources confirm Apple Pay and Google Pay are supported through the current help material. Samsung Pay was announced earlier but there is no current setup guide, so do not count on it. The card can be added to a mobile wallet in the usual way, and tokenisation means the card number is never shared with the merchant.

The app is on iOS and Android. Unofficial figures for the Google Play rating are in the 2.8 to 2.9 range out of 5, with the exact number of ratings not given. That is a weak score, and the pattern of low ratings on apps in this category is usually the same: people who had a problem with a frozen account, a slow top-up or a missing top-up are far more motivated to leave a one-star review than people who simply bought coffee. Still, it is a signal worth noting.

Cashback is advertised at “up to 15%” as part of the plan services, with the Move plan specifically mentioning cashback at favourite brands. The payout asset and the conditions are not stated, so it is not clear whether you get euros, an internal credit or a token, or what you need to do to qualify. Treat the headline number as marketing and read the in-app terms before you choose a plan for the cashback.

There are two everyday-payment concerns that the official material does not address. The first is blocked merchant categories. Crypto cards in this segment sometimes block gambling, adult content or cryptocurrency purchases, and Bitsa does not publish its blocked list. The second is dispute handling. If a charge is wrong, a merchant does not deliver, or your card is used without your permission, the process for raising it and the realistic chance of resolution are both unknown.

What this means for you: for ordinary euro spending in person and online, the card does what you expect. For anything more specific — a particular merchant category, a problem with a charge, a recurring subscription — go in expecting to discover the policy as you go.

What can go wrong

This is the section where the score drops the most, and it deserves a careful walk-through.

The card issuer is not named on the official pages Bitsa publishes. The footer links to “Card issuer conditions” and “Payment service provider” pages, but the absence of a clear issuer name on the main product pages is unusual for a regulated card. Unofficial sources say the issuer is Pecunia Cards EDE S.L.U., which operates under the PecunPay programme and appears on the Banco de España register as number 6707, and that Bitsa SAS — a French simplified joint-stock company registered in Nice — is the programme operator. That is a plausible European e-money structure, but the fact that you have to go outside Bitsa’s own pages to find the issuer is a transparency problem.

On the complaints side, the picture is not pretty. A Trustpilot page at bitsacard.com carries a score of 1.3 out of 5 from 363 reviews, read on 2026-10-20, with 68% of reviewers giving one star. The themes are familiar to anyone who has looked at this category: accounts frozen or blocked with funds inside, support that does not reply for weeks or months, repeated document and KYC demands long after sign-up, crypto top-ups that arrived late or not at all, login and app failures, and unexplained closures. The reviews span 2020 to 2026, with multiple recent ones in 2026. The company has not replied publicly to the negative reviews, and two reviewers claim regulator warnings, which is unverified but worth flagging.

The risk model for a card like this is straightforward. You convert crypto into euros and trust the issuer to hold those euros until you spend. The protections depend on the issuer’s regulatory standing, on segregated customer funds, and on the willingness of support to act when something goes wrong. Bitsa’s own pages are quiet on the security side — what is and is not stated, officially, includes safeguards, two-factor authentication, the SCA process, and what to do if the card is lost. Unofficial sources mention SMS code plus a personal SCA secret for online purchases, and the ability to block the card in the app, which is the bare minimum you would expect.

A broader category risk applies too. The list of crypto card programmes that have been shut down is long enough that a reader should be aware of it. The pattern is usually a notice period, then loading stops, then spending stops, then users are asked to withdraw their balances. A card is not a long-term store of value, and Bitsa is not a bank. The fact that it has an IBAN does not make it one.

What this means for you: do not keep large balances on the card, do not let it be your only payment method, and do not load more than you are comfortable having frozen for an indefinite period. If the plan is to convert crypto into euros and spend them within a few weeks, Bitsa is functional. If the plan is to park money there, you are taking a real counterparty risk that the product’s own documentation does not adequately describe.

What to take instead

Bitsa is not the only option, and three alternatives are worth a look depending on what you actually need. None of them is a perfect substitute, because the regulatory and geographic coverage of each is different, but they illustrate the trade-offs.

Whop Cards is a Visa that spends from a Whop balance, so it is closer to a platform wallet than a card-first product. The supported country list is more clearly stated than Bitsa’s, with 31 US states for consumers and 41 for businesses, and a long list of unsupported countries. The fees page says “no extra fees” but does not list conversion or FX amounts, so the same opacity problem applies. The interesting feature is 5% cashback at select merchants, currently including Uber.

Stella offers a virtual and physical Visa, in-app custodial crypto funding, and is rated slightly higher in this comparison. The catch is the country list is not published officially, and US and European users are routed through affiliates, which adds a layer between you and the card. The cashback and rewards side is limited; the “Earn” yield product is separate from card spending.

UniFi Card is a prepaid debit Visa from Lead Bank, denominated in US dollars, with funding via ACH, wire, SEPA or SPEI and a USDC wallet. The card claims “3% rewards on balances” but the fee structure is not stated and the official material is light. The geographic positioning seems US-centric, with corridors to the Philippines, Mexico, the eurozone and more recently Colombia, Brazil and the UK.

What this means for you: Bitsa is the only one of these with a clearly European IBAN and euro balance as the primary design. If that is what you need, the alternative set narrows fast. If you are US-based, Whop or UniFi is worth a closer look. If you are happy with a custodial in-app wallet and a virtual card, Stella is a more polished experience on paper, with the same official-disclosure caveats.

Who I would recommend it to

The short version is that Bitsa is a niche product and you should only commit to it if you fit the niche.

The card is a reasonable choice if you live in a supported EEA country, you do not already have a working Visa debit card, you mainly want to convert crypto into euros for everyday spending rather than to hold a balance, and you are comfortable with the kind of customer-service experience that an immature programme tends to deliver. The European IBAN adds genuine value for users who need to receive SEPA payments.

It is a poor choice if you need to move more than a few thousand euros a month, if you cannot afford to have funds frozen for weeks while a support ticket is open, if your country is on the unofficial restricted list, or if you want a clear, regulator-style disclosure of who is issuing the card and under which licence. The trustpilot score and the themes of the reviews are warning signs that the product has not yet reached the operational maturity of mainstream banking, even if the regulatory framework is supposed to be there.

If you do decide to try it, a few habits make the experience less painful. Keep the balance low. Use crypto top-ups rather than card top-ups to avoid the 1.5%. Stay in the euro zone for spending to avoid the FX layer. Withdraw what you cannot spend within Spain. Keep screenshots of every KYC document you submit. And do not treat the IBAN as a substitute for a bank account, because under stress it has not behaved like one for many of its users.

Frequently asked questions

What is the Bitsa card?

Bitsa is a prepaid Visa card, available in physical and virtual form, that holds a euro balance. You fund it with Bitcoin, Ethereum, USD Coin, a debit or credit card, a SEPA transfer, an in-app wallet or a voucher, and the card spends the euro balance wherever Visa is accepted. The product is operated by Bitsa SAS, a French company, with the actual card issued under a separate programme.

Is Bitsa a bank?

No. Bitsa is a card programme, not a bank. It provides a payment account with a European IBAN, but that does not make the funds deposits in the legal sense, and the protections that apply to a regulated bank deposit — including deposit guarantee schemes — do not automatically apply here. Treat the IBAN as a payment feature, not a banking relationship.

Who owns Bitsa?

Bitsa itself is a simplified joint stock company (SAS) registered in the Nice Trade and Companies Register in France. The card is issued under a separate programme, and unofficial sources name the issuer as Pecunia Cards EDE S.L.U., operating as PecunPay and registered with the Banco de España as number 6707. Bitsa has not officially published the issuer relationship on its main product pages.

Is the Bitsa card available in the United States?

Unofficial sources say no. The reported restricted list includes the United States, the United Kingdom, Canada, Bulgaria, Croatia and Latvia. Because the official list is not published, treat this as the best available information rather than a guarantee, and expect the application to be declined if you are a US resident.

Does the Bitsa card require KYC?

Yes, identity verification is part of the sign-up. Unofficial reporting describes proof of residence in an eligible country plus identity verification, and mentions that the issuer can suspend accounts for failed KYC, AML or fraud risk, or for missing source-of-funds documents. The exact documents and process are not spelled out officially.

How do I top up the Bitsa card with crypto?

The official material lists Bitcoin, Ethereum and USD Coin as funding options from a crypto wallet. Unofficial sources say the platform generates a new address for each external-wallet top-up, and the supported networks for each token are not officially disclosed. Before you send, confirm the chain in the app, because a transfer on the wrong network is typically not recoverable.

How do I add Bitsa to Apple Wallet or Google Pay?

Unofficial sources confirm both wallets are supported through the current help material. The general flow is to add the card through the wallet app using the card details visible in the Bitsa app. Samsung Pay was announced earlier but there is no current setup guide, so do not rely on it.

Is the Bitsa card safe?

Bitsa provides a regulated e-money account with segregated customer funds, a prepaid card structure that cannot overdraw, and standard mobile-wallet tokenisation. Unofficial sources mention SMS plus a personal SCA secret for online purchases and in-app card blocking. The risks are counterparty: the Trustpilot score is 1.3 out of 5 with account freezes as a recurring theme, and the official information about the issuer and licences is thin. Do not keep large balances on the card.

How do I withdraw money from Bitsa?

You can spend the balance on the card, withdraw at ATMs within the plan’s daily allowance, or transfer from the linked IBAN via SEPA. Unofficial sources note that card cancellation and balance management at expiry cost 0 EUR, and a third-party external transfer costs 1.50 EUR. The ATM allowance is 1, 2 or 4 withdrawals per day depending on plan, with a 450 EUR daily cap on withdrawals outside Spain.

Is the Bitsa card worth it?

For a specific reader — an EEA resident without a regular bank card, who mainly wants to turn crypto into euros for small everyday purchases — it is functional and the fees are tolerable. For everyone else, the weak customer support record, the thin official disclosures, and the limits on the Free plan make the value harder to justify. A reasonable test is to load only what you expect to spend in the next few weeks, and to keep an alternative payment method available.

Content created by the «cryptocardselect» team