Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Bit2Me review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Bit2Me suits Spanish and European residents who want a regulated place to trade crypto and then spend it, with a custodial wallet and card in the same app. Trading costs sit at 0.6% for takers and 0.5% for makers, and the offer side scores 6.4 against 3.4 overall.

Key facts

Best for
Readers in Spain who want a regulated app for trading, a custodial wallet and card spending.
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↗
Legal entity
Bitcoinforme S.L.↗
Headquarters
Spain↗
Founded
2014↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Custodial, Staking
Official website
bit2me.com

Debit cards

Monthly fee
€0↗
Currency conversion fee
0.95%↗
Card type
Debit↗
Cashback rate
0.25% to 7%↗
Card network
Mastercard↗
Custody
Custodial↗

Crypto wallets

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

Facts checked September 26, 2026, 11 sources

Pros and cons

Pros

  • A named Spanish regulator, CNMV and Comision Nacional del Mercado de Valores (CNMV), plus a MiCA CASP licence record, MiCA CASP 9598007R5LSUJLGLS853.
  • Taker fees of 0.6% sit under eToro at 1% and Vivid Plus at 2.25%.
  • A long coin list of 244, with the same 244 carried into the wallet.
  • Support runs on email, chat and phone, so phone and chat sit alongside email and a help centre.
  • Staking appears among custodial and staking, so a balance can earn while it sits in the account.

Cons

  • Proof of reserves is not published, so there are no published figures to set against the balance you hold.
  • Derivatives are not offered, so any leveraged or short position needs another venue.
  • Maker fees of 0.5% sit above the taker fee of 0.6%, so adding liquidity costs more than taking it.
  • Taker fee ranks 92 out of 121 on price, so cheaper exchanges exist for heavy trading.
Bit2Me

Ready to try Bit2Me?

Scored 8.8 / 10 by SumCue.

See alternatives

Who it suits

  • People in Spain and the wider EU who want trading, a wallet and a card under one regulated roof
  • Traders who want staking and a long coin list more than they want the lowest trading price
  • Card users after cashback of 0.25% to 7% on everyday spending without a monthly charge

Who should look elsewhere

  • Traders who want to trade derivatives, as Bit2Me has no derivatives
  • Readers who want published proof of reserves, which Bit2Me does not publish
  • Anyone shopping mainly on price, since bunq charges fees of 0.25% to 1.99% against Bit2Me's 0.6%

Coins and features

Spot trading covers 244 coins, a generous shelf for a platform that also issues a card. Derivatives are not offered, so the market is buy and sell at the going price rather than futures, perpetuals or options. Money arrives through sepa, bank and card: a bank transfer is the standard route, with SEPA transfers and card funding accepted as well. Because trading, holding and spending sit in the same account, a newcomer can top it up and spend from the same balance without moving funds between providers. The trade-off is breadth rather than depth of features. The list of coins is long, the product set is deliberately narrow, and the things a first platform leaves out, like derivatives, stay out here.

How it compares on our data

On coins listed, Bit2Me places 62 out of 176 brands in the comparison, which puts a card-linked exchange nearer the front of the table. On taker fee the ranking is 92 out of 121, close to the back. Read together, the two numbers describe the product plainly: generous where the choice of assets matters, expensive where the cost of each trade matters. For someone making a handful of trades a month the fee is barely visible on a statement. For an active trader it is the number that decides whether the platform is worth using at all, and the coins list does nothing to offset it.

Fees and FX

Trading costs are quoted without tiers: a taker pays 0.6% and a maker pays 0.5%. The maker rate sits above the taker rate, so adding liquidity to the order book is priced higher here than taking it, which runs against the usual pattern and changes who the platform suits. No volume discount is stated, so the quoted rates are the rates that apply whatever your size. For a platform whose selling point is the card and the euro balance, the trading fee is the line to watch hardest, because it is the one charge that scales with how much you do rather than with what you hold.

Deposit protection

Bit2Me answers to a named Spanish regulator, CNMV and Comision Nacional del Mercado de Valores (CNMV), and its licence record carries a MiCA CASP entry, MiCA CASP 9598007R5LSUJLGLS853. That supervision matters more than usual here, because the platform holds the keys to your balance rather than you holding them yourself, so a named supervisor is the main check on how that custody is run. The softer point is transparency: Bit2Me does not publish proof of reserves, so a reader who wants published figures behind customer balances will not find them. Read the licence record before funding, and keep anything you do not need for trading off the platform.

How Bit2Me compares

Where Bit2Me is available

Licence in Spain
CNMV, checked September 26, 2026
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 it cost to trade on Bit2Me?+

Trading on the spot account is charged at 0.6% for takers and 0.5% for makers. Taker fees apply when you buy or sell at the market price, maker fees when you add liquidity to the order book. The maker rate is the higher of the two, the reverse of many exchanges, so it is worth checking against how you actually trade.

Who regulates Bit2Me?+

The listed regulator is CNMV and Comision Nacional del Mercado de Valores (CNMV), the Spanish market authority, and the licence record carries a MiCA CASP entry, MiCA CASP 9598007R5LSUJLGLS853. The operator is Bitcoinforme S.L., registered in Spain, and the platform was founded in 2014, so there is an operating history behind the brand.

Does Bit2Me publish proof of reserves?+

No, Bit2Me does not publish proof of reserves. That means there are no published backing figures to set against the balance you hold, so a reader who wants that check has to raise it with the platform or look at exchanges that do publish it. It is a fairly common transparency feature in this market, so its absence matters.

How can I pay money in?+

Fiat deposits run through sepa, bank and card. A bank transfer is the standard route, with SEPA transfers and card funding accepted alongside it. The same balance then feeds trading, the wallet and the card, so you are not juggling separate providers for buying crypto and then spending it.

Can I trade derivatives on Bit2Me?+

No, Bit2Me has no derivatives. It is a centralised exchange, cex, so you buy and sell coins at the going price rather than through futures, perpetuals or options. Anyone wanting leverage or short positions needs a separate venue, with a separate account and a separate wallet for that side of their activity.

What does the Bit2Me card cost to hold and to use abroad?+

The card is a debit card on the mastercard network, with a monthly fee of €0, and spending earns cashback of 0.25% to 7%. The cost to watch is currency conversion, because the card applies 0.95% when you spend money in a currency other than the card's own, so everyday euro spending avoids it while travel does not.

Is the Bit2Me wallet custodial, and what does it hold?+

Yes, the wallet is custodial and runs as a mobile wallet, priced at €0. It supports 244 coins, matching the exchange list. Custodial means Bit2Me holds the keys, which makes everyday use simple and recovery easy, but it also means your balance depends on the platform staying solvent and operational.

What support can I reach if something goes wrong?+

Support runs on email, chat and phone, covering email, chat, phone and a help centre. Phone and chat matter on a platform where a stuck withdrawal or a card that will not work is time sensitive, and a written help centre gives you answers you can keep for later. You are not limited to a single channel.

How risky is trading crypto on Bit2Me?+

Trading crypto carries the risk of losing money, and the market pattern is stark: across the brands compared here, the median retail outcome is a loss of 70.15%. Spot trading adds price risk on top of platform risk, and a custodial wallet means the platform holds the keys, so size positions you can afford to lose.

Sources

Compiled from 11 source pages, checked September 26, 2026. We did not open an account.

Bit2Me

Bit2Me

Readers in Spain who want a regulated app for trading, a custodial wallet and card spending.

8.8/10See alternatives