Bitrefill Card

Bitrefill · Visa · prepaid · Custodial

26 countriesVerified 6 Sep 2026

At $1,000/month spend with no stake, Bitrefill Card nets +$60 a year. According to Cardefi data, 8 of 8 key figures are verified from the issuer's pages, latest 6 Sep 2026.

Open at Bitrefilldirect — pays us nothing

Cashback at your stake: 1.0%
Min. stake for rewards: None
Annual fee: $0
FX fee: 0.0%
Net value / yr: +$60
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you All cardholders	All cardholders	1.0%	+$60

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	1.0% × $12,000	+$120
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	0.0% + 2.0% × $3,000	−$60
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$60

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	€0 / year 1 source “No monthly fee, no issuing fee”[6] · fees_page · captured 6 Sep 2026
Monthly fee	€0 / month 1 source “No monthly fee, no issuing fee”[6] · fees_page · captured 6 Sep 2026
Card issuance	€0First physical card free including EU shipping 1 source “No, there are no issuance fees for both the digital and physical Bitrefill Cards.”[7] · help_center · captured 6 Sep 2026
Foreign transaction (FX)	0.0%Visa exchange rate, no markup 1 source “No. The Bitrefill Card has no foreign exchange fees; it applies the VISA exchange rate for transactions in foreign currencies.”[4] · help_center · captured 6 Sep 2026
Crypto conversion / spread	2.0%Fixed 1.99% on top-up, plus a variable exchange spread shown before confirmation 2 sources “1.99% is the fixed fee that Bitrefill charges on top of the variable cost of exchange”[8] · help_center · captured 6 Sep 2026 “A variable spread reflecting the crypto to fiat exchange cost applies.”[6] · fees_page · captured 6 Sep 2026
ATM withdrawal	2.5%Physical card only 1 source “Yes, there is a 2.49% fee for ATM withdrawals.”[9] · help_center · captured 6 Sep 2026
Inactivity	€10 / monthAfter 12 months without spend or cash-out 1 source “12 Month Inactivity fee€10/monthly”[6] · fees_page · captured 6 Sep 2026
Card replacement	€10 1 source “you will be charged €10 to order a new one”[7] · help_center · captured 6 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
All cardholders	1.0% · None · Cap: none · Paid in EUR store credit 2 sources “When you spend with your Bitrefill Card, you will earn 1% cashback.”[10] · help_center · captured 6 Sep 2026 “When you deposit cryptocurrency to your Bitrefill Card, you will earn 1% cashback.”[10] · help_center · captured 6 Sep 2026

Limits

Spend per day	€10,000 / day 1 source “Daily spend€10,000€10,000”[6] · fees_page · captured 6 Sep 2026
Spend per month	€10,000 / monthStarter; Plus (identity verification) EUR 15,000. Starter lifetime deposit cap EUR 15,000 2 sources “Monthly spend€10,000€15,000”[6] · fees_page · captured 6 Sep 2026 “Total lifetime deposit€15,000Unlimited”[6] · fees_page · captured 6 Sep 2026
ATM per day	€350 / dayEUR 3,000 per month 1 source “ATM Withdrawal€350/day”[6] · fees_page · captured 6 Sep 2026

Sources

10 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

help.bitrefill.com/hc/en-us/articles/15136163808530-Who-is-eligible-to-apply-for-the-Bitrefill-Card · help_center · 6 Sep 2026
help.bitrefill.com/hc/en-us/articles/29951587446546-Temporary-Suspension-of-Bitrefill-Card-Applications-from-Hungarian-Residents · help_center · 6 Sep 2026
help.bitrefill.com/hc/en-us/articles/15136327836690-Who-is-your-partner-for-the-Bitrefill-Card-services · help_center · 6 Sep 2026
help.bitrefill.com/hc/en-us/articles/15048306541330-Are-there-any-foreign-exchange-fees-with-the-Bitrefill-Card · help_center · 6 Sep 2026
www.fi.ee/en/payment-services/payment-services/payment-institutions/estonian-payment-institutions/wallester · legal · 6 Sep 2026
www.bitrefill.com/card/pricing · fees_page · 6 Sep 2026
help.bitrefill.com/hc/en-us/articles/15048253821586-Does-the-Bitrefill-Card-have-an-issuance-fee · help_center · 6 Sep 2026
help.bitrefill.com/hc/en-us/articles/15049336790930-What-is-the-fee-to-add-money-to-the-Bitrefill-Card · help_center · 6 Sep 2026
help.bitrefill.com/hc/en-us/articles/24791875786002-Is-there-a-fee-for-ATM-withdrawals · help_center · 6 Sep 2026
help.bitrefill.com/hc/en-us/articles/31491398773010-How-do-I-earn-Bitrefill-Card-cashback · help_center · 6 Sep 2026

Report a wrong figure

Access & funding

Regions: 26 countries
KYC: full
Top-up: Crypto deposit (BTC, Lightning, ETH, USDC, SOL, POL, BNB)
Fiat: EUR
Assets: BTC, ETH, USDC, SOL, POL, BNB
Form: virtual + physical
Wallets: —

Risks to know

Custodial. The issuer holds your funds; check its licence below.

Who is behind the card

Brand / programme: Bitrefill (Airfill Prepaid AB, 559001-6035)
Infrastructure: Lightspark Payments Europe (LSP EU)
Issuer of record: Wallester AS (EE)
Licence: Finantsinspektsioon · 11812882
Network: Visa
Custody: Custodial

4 sources

“The custody and exchange of your crypto assets are handled by Lightspark Payments Europe (LSP EU), a virtual asset service provider licensed by the Estonian Financial Intelligence Unit.”[3] · help_center · captured 6 Sep 2026

“Wallester's Card Terms & Conditions”[3] · help_center · captured 6 Sep 2026

“it applies the VISA exchange rate for transactions in foreign currencies”[4] · help_center · captured 6 Sep 2026

“Wallester AS”[5] · legal · captured 6 Sep 2026

Status

Now: Live

“Order your card for free today and get the most out of your cryptocurrency.”bitrefill.com · captured 6 Sep 2026

Where you can get it

EU: 26 countries: AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GR, IE, IT, LV, LT, LU, MT, NL, PL, PT, RO, SK, SI, ES, SE
blocked: HU, US, RU

3 sources

“Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden”help.bitrefill.com · help_center · captured 6 Sep 2026

“Due to regulatory reasons, we are currently unable to offer Services to citizens of the United States of America and the Russian Federation, regardless of their residency.”help.bitrefill.com · help_center · captured 6 Sep 2026

“temporarily unable to onboard new Hungarian residents”help.bitrefill.com · help_center · captured 6 Sep 2026

Availability and terms by country ↓

Trust

Verified: 6 Sep 2026
Coverage: 8 of 8 key figures verified
Confidence: A official source plus an independent one
Disclosure: public page
Source: bitrefill.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 26 countries are listed as available in total.

Country	Status	Issuer / licence
United States	Blockedchecked 6 Sep 2026	Wallester AS
Germany	Availablechecked 6 Sep 2026	Wallester AS
Spain	Availablechecked 6 Sep 2026	Wallester AS
Ireland	Availablechecked 6 Sep 2026	Wallester AS
Netherlands	Availablechecked 6 Sep 2026	Wallester AS
Portugal	Availablechecked 6 Sep 2026	Wallester AS
Poland	Availablechecked 6 Sep 2026	Wallester AS
Greece	Availablechecked 6 Sep 2026	Wallester AS
Sweden	Availablechecked 6 Sep 2026	Wallester AS
Czechia	Availablechecked 6 Sep 2026	Wallester AS
Austria	Availablechecked 6 Sep 2026	Wallester AS
Belgium	Availablechecked 6 Sep 2026	Wallester AS
Cyprus	Availablechecked 6 Sep 2026	Wallester AS
Latvia	Availablechecked 6 Sep 2026	Wallester AS
Slovakia	Availablechecked 6 Sep 2026	Wallester AS
Croatia	Availablechecked 6 Sep 2026	Wallester AS
Bulgaria	Availablechecked 6 Sep 2026	Wallester AS
Estonia	Availablechecked 6 Sep 2026	Wallester AS
Hungary	Blockedchecked 6 Sep 2026	Wallester AS

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Bitrefill Card charge on foreign currency?: Bitrefill Card adds 0.0% on transactions in a currency other than the account currency.
Does Bitrefill Card charge an annual fee?: The annual fee for Bitrefill Card is $0.
How much cashback does Bitrefill Card pay?: Bitrefill Card pays up to 1.0%, which is the highest rate any of its tiers reaches.
What does Bitrefill Card charge at an ATM?: Bitrefill Card charges 2.5% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind Bitrefill Card?: The issuer does. Spending on Bitrefill Card draws on a balance held by the provider, not in a wallet you control.
Does Bitrefill Card require identity verification?: Yes. Bitrefill Card requires full identity verification before the card can be used.