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2gether review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

2gether pairs a free crypto debit card with a mobile wallet and a cex exchange, so it suits you if you want spending and trading in a single place. The card costs €0 a month, and conversion on foreign spending is 0.95%.

Key facts

Best for
A single app for a crypto debit card, a mobile wallet and a custodial exchange.
Monthly fee
€0↗
Currency conversion fee
0.95%↗
Card type
Debit↗
Cashback rate
0.25% to 7%↗
Card network
Mastercard↗
Custody
Custodial↗
Legal entity
Bitcoinforme S.L.↗
Headquarters
Spain↗
Founded
2014↗
Support channels
Help-centre, Email, Chat↗
Features
Crypto, Virtual card, Travel
Official website
bit2me.com

Crypto exchanges

Taker fee
0.6%↗
Coins listed
244↗
Regulators
Comision Nacional del Mercado de Valores (CNMV)↗
Fiat deposit methods
SEPA, Bank, Card↗
Maker fee
0.5%↗
Proof of reserves
No↗
Derivatives
No↗
Exchange type
Cex↗

Crypto wallets

Wallet type
Mobile↗
Price
€0↗
Coins supported
244↗

Facts checked September 26, 2026, 10 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • A debit card on mastercard that pays cashback of 0.25% to 7% on everyday spending.
  • A monthly fee of €0, so there is nothing to pay to keep the card active.
  • The wallet is mobile and the exchange is a cex, so spending, holding and trading sit in a single app.
  • Trading costs 0.5% to place an order and 0.6% to take one, across 244 coins listed.

Cons

  • The wallet is custodial, so the provider holds the coins rather than you.
  • Proof of reserves is a no, so there is no published reserve check to compare.
  • Support runs on help centre, email and chat only, with no phone line among them.
2gether

Ready to try 2gether?

Scored 8.8 / 10 by SumCue.

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Who it suits

  • You want a crypto card, a mobile wallet and a cex exchange under a single app.
  • You already hold crypto and want cashback of 0.25% to 7% on everyday spending.
  • You fund with sepa, bank and card and want a virtual card for travel, since the features listed are crypto, virtual card and travel.

Who should look elsewhere

  • You want the lowest conversion cost: bunq lists 0.5% to 3% against 2gether's 0.95%.
  • You want a secured credit card instead of a debit card: Varo Believe Secured Credit Card charges $0 a month.
  • You want a plain multi-currency account: Wise's monthly fee is £0.

Fees and FX

The card carries no monthly charge, with a monthly fee of €0. Currency conversion is the number to watch, at 0.95% on card spending in another currency. If most of your spending stays in the currency you hold, that cost rarely comes up. Travel and buying abroad bring it forward, and it is the line that decides the bill.

The company behind it

The account is held by Bitcoinforme S.L., founded in 2014 and based in Spain. It appears in the register as MiCA CASP 9598007R5LSUJLGLS853 with the Comision Nacional del Mercado de Valores (CNMV). Support runs on help centre, email and chat, so questions are handled in writing or in chat.

How 2gether compares

Where 2gether is available

Licence in Spain
Comision Nacional del Mercado de Valores (CNMV) (MiCA CASP 9598007R5LSUJLGLS853), checked September 26, 2026, also valid in Spain, Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Frequently asked questions

What does the 2gether card cost to keep?+

The monthly fee is €0, so there is nothing to pay each month to keep the card active. Spending in a currency other than the euro adds 0.95% in conversion, and that is the number that decides whether the card is worth carrying abroad.

How much cashback does spending earn?+

Cashback runs 0.25% to 7% depending on the spend, and it applies to a debit card on mastercard, so the reward comes from ordinary purchases rather than from holding a balance. The gap between the bottom and the top of that range is wide, so the rate you land on depends on how you use the card.

Is the company behind 2gether regulated?+

The account is held by Bitcoinforme S.L., which appears in the register as MiCA CASP 9598007R5LSUJLGLS853 with the Comision Nacional del Mercado de Valores (CNMV). The trading side runs as a cex, and the card itself is a debit card.

Who holds the crypto on the account?+

The wallet is custodial, so the provider holds the coins rather than you holding the keys. Proof of reserves is a no, which matters if you plan to keep a large balance. Buying and selling runs through the cex exchange with 244 coins listed.

How do I add money and coins?+

Fiat deposits run through sepa, bank and card, and the exchange lists 244 coins, so you can move between euros and crypto inside the app and then spend the balance on the card. The wallet is mobile, which keeps the same balance visible across buying and spending.

What do trades cost, and are derivatives available?+

Placing an order costs 0.5% and taking one costs 0.6%. Derivatives are a no, so trading stays on the spot market rather than leveraged products. That keeps the account simpler for everyday crypto buying.

How do I reach support?+

Support runs on help centre, email and chat, so a help centre, email and chat are the routes in, with no phone line among them. The company behind the account is Bitcoinforme S.L., based in Spain and founded in 2014.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

2gether

2gether

A single app for a crypto debit card, a mobile wallet and a custodial exchange.

8.8/10See alternatives