Bitrefill Card review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
The Bitrefill Card suits people who hold crypto and want a plain Visa to spend it. Fees are the draw: a monthly fee of €0, an annual fee of €0 and a currency conversion fee of 0%. Cashback of 2% on crypto deposits adds to it.
Key facts
- Best for
- Spending crypto through a self-custody Visa without monthly or conversion charges.
- Monthly fee
- €0↗
- Currency conversion fee
- 0%↗
- Free ATM withdrawals
- €0↗
- Card type
- Debit↗
- Top-up fee
- Variable spread reflecting the crypto to fiat exchange cost↗
- Cashback rate
- 2%↗
- Card network
- Visa↗
- Custody
- Self custody↗
- Legal entity
- Airfill Prepaid AB (559001-6035)↗
- Headquarters
- Sweden↗
- Founded
- 2014↗
- Support channels
- Email, Chat, Help-centre, Community↗
- Features
- Crypto, Self-custody, Virtual card, Travel
- Official website
- bitrefill.com
Credit cards
- Annual fee
- €0↗
- Rewards type
- Cashback↗
- Rewards rate
- 1% cashback on every purchase plus 1% on every crypto deposit (2% total)↗
- Perks
- Free virtual and physical Visa card, No issuing, postal or monthly fees, Free SEPA withdrawals to bank account, ATM withdrawals 2.49% (physical card only), Free monthly eSIM up to 20GB on monthly crypto deposits over EUR 500, 3D Secure for online payments, Freeze and unfreeze card in app, 24/7 customer support↗
- Cashback rate
- 1%↗
- Card kind
- Charge↗
- Pricing model
- No annual fee
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- No monthly fee of €0 and no annual fee of €0
- A currency conversion fee of 0%, against 0.5% to 3% at bunq
- Cashback of 1% on every purchase and 2% on crypto deposits
- Self-custody of self custody, with freeze and unfreeze in the app, a virtual card and extra checks on online payments
Cons
- Loading from crypto carries a variable spread: Variable spread reflecting the crypto to fiat exchange cost
- Free ATM withdrawals are €0 and the listed perks charge a fee on ATM withdrawals, physical card only
- Support runs on email, chat and help centre, with no phone line listed
Who it suits
- Crypto holders who keep their own keys under self custody and want a Visa debit card
- Anyone paying abroad who wants a currency conversion fee of 0%
- Spenders who would rather earn cashback than points, on cashback terms
Who should look elsewhere
- People who want a euro bank card that also charges a currency conversion fee of 0.5% to 3%, where bunq may serve them better
- Those after a secured credit card rather than a self-custody debit card, since Varo Believe Secured Credit Card charges a monthly fee of $0
- Anyone who wants help by phone, since email, chat and help centre does not list a phone line
How Bitrefill Card compares
9.1 vs 9.4
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9.1 vs 9.2
9.1 vs 9.4
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9.1 vs 8.9
9.1 vs 8.6
9.1 vs 9.2
9.1 vs 8.4
9.1 vs 8.5
9.1 vs 8.8
9.1 vs 9.0
9.1 vs 8.6
9.1 vs 8.3
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.3
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9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.0- 9.1 vs 8.0
Where Bitrefill Card is available
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Bitrefill Card cost to keep?+
The monthly fee is €0 and the annual fee is €0. The card is a charge card on the visa network, and the listed perks say there are no issuing, postal or monthly fees. SEPA withdrawals to a bank account are free, while ATM withdrawals on the physical card are charged a fee.
What is the currency conversion fee?+
The currency conversion fee is 0%, which sits at the top of the ranking at 1 of 258 brands. By contrast, bunq charges 0.5% to 3%. It is worth weighing if you spend outside your home currency.
How do I get crypto into the card?+
Loading is the part with a variable cost: Variable spread reflecting the crypto to fiat exchange cost. The account runs on self custody custody, so you keep control of the keys rather than handing them over. Deposits are what earn the extra part of your cashback.
How much cashback do I earn?+
Cashback arrives as cashback, with 1% back on every purchase and 2% on crypto deposits, so the quickest way to lift your rate is to fund the card from crypto you already hold. Under self custody, the coins stay yours while you spend them.
What kind of card is it and what network does it run on?+
It is a debit card that works as a charge card, listed on the visa network. The feature list includes crypto, self-custody, a virtual card and travel use. You can freeze and unfreeze the card in the app.
Can I withdraw cash from ATMs?+
Free ATM withdrawals are €0, which places the card at 44 of 124 brands on that measure. The listed perks charge a fee on ATM withdrawals and restrict it to the physical card, so budget for cash if you rely on it.
How do I get help if something goes wrong?+
Support runs on email, chat and help centre, with round-the-clock customer support listed among the perks. There is no phone line in that list, so a card issue while abroad means going through the app, chat or email instead.
Who is the card for and where is it based?+
The card suits crypto holders who want to spend directly, and it is headed in SE by Airfill Prepaid AB (559001-6035). Perks include a free monthly eSIM on larger monthly crypto deposits and extra verification for online payments, which suits travel as well as daily spending.
Sources
- bitrefill.com/card checked September 26, 2026
Backs: Card type, Cashback rate, Features, Founded, Headquarters
“Crypto Debit Card by Bitrefill | Virtual & Physical Visa Card”
- bitrefill.com/card checked September 26, 2026
Backs: Cashback rate, Rewards rate, Rewards type
“Gain 1% cashback on every crypto deposit and 1% on every purchase.”
- bitrefill.com/card/features checked September 26, 2026
Backs: Custody, Monthly fee, Card network
“Keep custody of your own crypto until you want to use it”
- bitrefill.com/card/features checked September 26, 2026
Backs: Annual fee, Pricing model, Perks
“Get both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.”
- bitrefill.com/card/limits checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee, Top-up fee
“ATM Withdrawal 2.49%”
- bitrefill.com/card/limits checked September 26, 2026
Backs: Card kind
“Total lifetime deposit EUR 15,000”
- bitrefill.com/terms checked September 26, 2026
Backs: Legal entity, Support channels
“your direct counterparty is AIRFILL PREPAID AB, a limited company incorporated under the laws of Sweden and with registration number 559001-6035”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
Related by the facts
Bitrefill Card
Spending crypto through a self-custody Visa without monthly or conversion charges.