Bitso vs Airtm
For spending abroad FX markup matters, and Airtm does better (0% vs 0.5%). In short: Bitso if your usage matches its strength, Airtm otherwise — the numbers above beat any slogan.
| Bitso | Airtm | |
|---|---|---|
| Tier | C | B |
| Rating | ★ 3.2 | ★ 3.0 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | — |
| Multi-currency | Yes · 5 currencies | — |
| Outbound transfers to third-party IBANs | Yes | — |
| Utility direct billing | No | — |
| SEPA direct debit (SDD) | No | — |
| On-chain crypto withdrawal | Yes | — |
| Interest on balance | 5% | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | LATAM · 4+ countries | LATAM, AFRICA, APAC, EEA, US · 190+ countries |
| Regulator | CNBV (MX), CVM (BR) | FinCEN (USA) |
| OAM Italy registration | No | — |
| Segment | B2C, B2B | B2C |
| Network | — | Visa |
| Regions | LATAM | LATAM, Africa, APAC, EU/EEA, US |
| Licences & safety | Money transmitter | FinCEN MSB (USA) |
Frequently asked questions
Bitso vs Airtm: which is better?
For spending abroad FX markup matters, and Airtm does better (0% vs 0.5%). In short: Bitso if your usage matches its strength, Airtm otherwise — the numbers above beat any slogan.
Which is cheaper, Bitso or Airtm?
On the standard spending profile Bitso has the lowest net annual cost: €0 versus €0 for Airtm.
Is Bitso custodial or self-custody?
Bitso is custodial: funds are held by the platform, while Airtm is custodial.
Which is better for spending abroad?
For foreign-currency spending Airtm wins, with the lowest FX markup: 0%.