Quick Summary
Key Features
- Keep custody of your own crypto until the moment you spend — deposit to card only when converting to euros
- Bitcoin/Lightning-first design from the crypto gift-card company
- 0% foreign transaction fees on EUR spend (Visa network fees may apply; ~1.5% reported on non-EUR)
- 1-2% cashback in Bitcoin (reported; varies by source)
Main Advantages
- 2.0% cashback on eligible spend
- Free virtual card issuance
- Works with Apple Pay and Google Pay
- Both virtual and physical card options
Notable Limitations
- Availability limited to a small number of regions
- Terms change often — the provider's live numbers are final
The cards
Every format Bitrefill issues — pick the one that fits how you spend.
Bitrefill Physical
1Can I get this card?
Supported Countries Map — powered by our availability data.
Bitrefill: Reported in 27 countries across 1 region (Europe).
Coverage reported by the provider — the exact applicant list is confirmed in-app.
2What does it cost?
Every fee we could verify for the Bitrefill card.
Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.
| Fee | Bitrefill Virtual | Bitrefill Physical |
|---|---|---|
| Issuance fee | $0 | $0 |
| Monthly fee | $0 | $0 |
| FX fee | Varies by region — confirm in-app | Varies by region — confirm in-app |
3What do I get?
Perks, rewards and capabilities that come with the card.
| Category | Benefit |
|---|---|
| Rewards | 2.0% cashback on eligible spend |
| Funding | Keep custody of your own crypto until the moment you spend — deposit to card only when converting to euros |
| Perks | Bitcoin/Lightning-first design from the crypto gift-card company |
| Perks | 0% foreign transaction fees on EUR spend (Visa network fees may apply; ~1.5% reported on non-EUR) |
| Rewards | 1-2% cashback in Bitcoin (reported; varies by source) |
| Cash access | ATM: €350/day, €3,000/month; free SEPA withdrawals to bank |
4What do they need from me?
What you will have to provide or meet to get and use the card.
| Requirement | What it means |
|---|---|
| Identity check | ID verification required — verify your identity in the app before ordering |
| Funding | You will need a way to load the card: non-custodial crypto top-up (keep custody until spend), Lightning Network Bitcoin deposits, free SEPA bank withdrawals |
| Age | You must be 18 or older to apply |
Card specs
| Feature | Bitrefill |
|---|---|
| Virtual card issuance | $0 |
| Monthly / annual fee | $0 |
| Card network | Visa |
| Card type | Virtual + Physical |
| KYC | ID verification required |
| Top-up methods | non-custodial crypto top-up (keep custody until spend), Lightning Network Bitcoin deposits, free SEPA bank withdrawals |
| Supported assets | BTC, ETH, USDT, USDC |
| Regions | Europe |
Rating breakdown
Pros & cons
Pros
- Keep custody of your own crypto until the moment you spend — deposit to card only when converting to euros
- Bitcoin/Lightning-first design from the crypto gift-card company
- 0% foreign transaction fees on EUR spend (Visa network fees may apply; ~1.5% reported on non-EUR)
- 1-2% cashback in Bitcoin (reported; varies by source)
Cons
- Availability varies by region — confirm in-app
- Fees may change — check live numbers
Frequently asked questions
How much does the Bitrefill virtual card cost?
The virtual card issuance fee is listed as $0. No setup fees, no monthly charges; virtual + physical free. Deposit fee 1.99% on top of exchange rates; €10/month inactivity fee after 12 months; €10 card replacement. Fees change often — confirm in the app.
Which countries support Bitrefill?
Bitrefill is available in: Europe. EEA-focused (28 countries per aggregators) plus select global markets; KYC required for EEA residents. Minimal-data Starter vs verified Plus tiers.
Does Bitrefill require KYC?
ID verification is required for this platform based on our research. Requirements can vary by region — check the app for your country.
What can I top up the Bitrefill card with?
Supported top-up methods: non-custodial crypto top-up (keep custody until spend), Lightning Network Bitcoin deposits, free SEPA bank withdrawals.
Our verdict
Bitrefill scores 8.0/10 in our rating system. The Bitcoin/Lightning-first card from the gift-card pioneer — your coins stay in your wallet until you actually spend.
Get the Bitrefill card
Apply directly with the provider — check current fees and availability for your country in their app.
Visit Bitrefill's official site →Fees verified October 13, 2026. Always confirm live numbers in-app.
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