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Bit2Me review

Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 29, 2026

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Our verdict

Bit2Me suits crypto centred savers and spenders who want Earn rewards alongside a card for everyday use in Europe. Earn rates run 0.5% to 19.2% as a variable rate, while spot trading carries taker fees of 0.6% on a broad coin list.

Key facts

Best for
Crypto Earn plus everyday card spending
Minimum deposit
€0↗
Markets
Crypto↗
Regulators
Comision Nacional del Mercado de Valores (CNMV)↗
Investor protection
EU ICS up to EUR 20,000↗
Currency conversion fee
0.95%↗
Features
Crypto, Mobile app
Pricing model
No monthly fee
Official website
bit2me.com

Crypto exchanges

Taker fee
0.6%↗
Coins listed
244↗
Fiat deposit methods
SEPA, Bank, Card↗
Maker fee
0.5%↗
Proof of reserves
No↗
Derivatives
No↗
Exchange type
Cex↗

Debit cards

Monthly fee
€0↗
Free ATM withdrawals
€300↗
Card type
Debit↗
Cashback rate
0.25% to 7%↗
Card network
Mastercard↗
Custody
Custodial↗

Credit cards

Annual fee
€0↗
Rewards type
Cashback↗
Rewards rate
up to 7% on Bit2Me Card purchases↗
Perks
Apple Pay, Google Pay↗
Cashback rate
7%↗

Savings

Headline rate
0.5% to 19.2%↗
Rate type
Variable↗
Term
12 months↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Flexible: add or withdraw Earn balances anytime for most cryptoassets; the B2M Farming Pool requires a 12-month lock; rewards compound automatically↗
Account kind
Easy access↗

Crypto wallets

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

Facts checked September 29, 2026, 15 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Earn balances sit in an easy access account of easy access with variable rewards of 0.5% to 19.2%
  • Card carries no monthly charge of €0 and no annual charge of €0 with cashback of up to 7% on Bit2Me Card purchases
  • Wide choice with coins listed of 244 and fiat entry via SEPA, bank and card

Cons

  • Spot taker fees of 0.6% sit above the typical level of 0.21%
  • Derivatives are unavailable, which limits advanced trading strategies
Bit2Me

Ready to try Bit2Me?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Crypto savers who prefer flexible Earn over stock funds at DKB
  • Card spenders seeking cashback rather than broader markets at XTB
  • SEPA users funding by bank or card rather than wider broker ranges at ActivTrades

Who should look elsewhere

  • Stock or ETF investors wanting shares and funds at DKB
  • Derivatives traders needing leveraged products available at ActivTrades

Rates and terms

Earn rewards run 0.5% to 19.2% with a structure of variable, so returns can move with market conditions rather than staying fixed. Most balances remain accessible, while the linked token commitment lasts 12. That mix suits savers who accept variability for access, with a longer tie only for the specific farming option.

How Bit2Me compares

Where Bit2Me is available

Available
Everywhere except United States
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 fees apply to trading on Bit2Me?+

Spot trading carries taker fees of 0.6% and maker fees of 0.5%. Costs vary by order type rather than account tier. Check the fee schedule before placing large orders, as frequent trading can add up across volatile crypto markets.

Is Bit2Me regulated and protected?+

Bit2Me lists oversight by CNMV and Comision Nacional del Mercado de Valores (CNMV) and holds MiCA CASP 9598007R5LSUJLGLS853. Investor cover is stated as EU ICS up to EUR 20,000. Regulatory cover has limits and asset eligibility rules, so review the legal terms for your country of residence.

How can funds be added to Bit2Me?+

Fiat entry is available via SEPA, bank and card, covering bank routes and card payments including SEPA. The Earn entry threshold is €0, which keeps access open for modest savers. Processing times and bank charges depend on the chosen rail and provider.

What does the Bit2Me Card cost and reward?+

The Bit2Me Card charges €0 each month and €0 each year. ATM access includes €300 without extra charge, while currency conversion carries 0.95%. Card purchases can earn up to 7% on Bit2Me Card purchases depending on tier and activity.

How does Bit2Me Earn work?+

Earn rates run 0.5% to 19.2% with a structure of variable. The account style is easy access, so most balances stay accessible while rewards adjust over time. Returns are variable and crypto values can fall, so outcomes are never assured.

Where are assets held and how is help offered?+

Balances are held as custodial within the mobile wallet of mobile. Support is offered through chat, phone and help centre, including chat and phone routes. Custodial holding means Bit2Me manages keys, which suits ease of use rather than direct self custody.

Sources

Compiled from 15 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: Stock trade fee, Account fee, Inactivity fee, Retail accounts that lose money.

Bit2Me

Bit2Me

Crypto Earn plus everyday card spending

8.9/10See alternatives