Bit2Me Card
Bit2Me · Mastercard
The Bit2Me Card is a custodial crypto debit card on the Mastercard network issued by Bit2Me, the leading digital-asset company in the Spanish-speaking world. The virtual card is free; the physical card costs up to €20 depending on user tier, with no annual fee. Euro spending is free, while non-euro currencies carry an FX markup of up to 2%; cashback reaches 7% via a tiered points system with monthly caps. Available across the EEA and Argentina (not US/UK), under Bit2Me's full MiCA authorization from Spain's CNMV (July 2025, the first Spanish crypto firm to obtain it).
The number that matters
The banner cashback isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
| Network | Mastercard |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | €20 |
| Annual fee | Free |
| Free ATM limit | €300/day · €3,000/month |
| ATM withdrawal | 1% |
| FX markup | 2% |
| Cashback | 7% in Punti Bit2Me (riscattabili) · Nessuno |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA, LATAM |
| Funding / solidity | Bit2Me è un exchange e fintech crypto fondato nel 2015 a Elche (Spagna), prima azienda spagnola autorizzata come CASP sotto MiCA dalla CNMV. Offre una suite completa di prodotti su asset digitali nel mondo ispanofono. |
| Estimated net annual cost | €0/year |
| Regulator | CNMV (Spagna) |
| OAM Italy registration | No |
| Segment | B2C |
| Funding / solidity | Bit2Me is a crypto exchange and fintech founded in 2015 in Elche, Spain, the first Spanish firm authorized as a CASP under MiCA by the CNMV. It offers a full suite of digital-asset products across the Spanish-speaking world. |
| MiCA / License status | MiCA (CNMV, lug 2025)ex Banco de España VASP Full MiCA authorization granted by Spain's CNMV (July 2025); previously a VASP registration with the Banco de España. |
Strengths
- Strong regulatory standing: first Spanish firm with full MiCA/CNMV authorization
- High cashback (up to 7%, stackable with other Bit2Me products) and no annual fee
- Both virtual and physical cards, zero-fee euro spending
- No notable sovereignty advantage documented.
Weaknesses
- Custodial model: funds held by Bit2Me, no self-custody
- Limited coverage: EEA + Argentina only, excludes US and UK; low ATM cap (€300/day)
- Top cashback tiers and free issuance require high user levels; FX up to 2% abroad
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Full MiCA authorization granted by Spain's CNMV (July 2025); previously a VASP registration with the Banco de España.): reporting to authorities and freezes on order.
Verdict
Strong regulatory standing: the first Spanish firm with full MiCA authorization from the CNMV and a former Banco de España VASP, on the Mastercard network. Custody is fully handled by Bit2Me under complete KYC, while fees stay low (no annual fee, free euro spending) and costs are publicly documented, justifying a mid-tier Tutela rating.
From a Sovereignty standpoint the product is weak: a fully custodial model, with funds held by Bit2Me and converted at the point of payment, with no self-custody of keys. Mandatory full KYC and the lack of direct on-chain operability leave little room for user privacy.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is the Bit2Me Card custodial?
Yes: funds are held by Bit2Me and converted at the point of payment. You do not have self-custody of the keys.
How much cashback does it really give?
Up to 7% via a points system tied to user level, with monthly caps; the highest rates require the most advanced tiers.
Sources
- support.bit2me.com Italia disponibile · Regulatory framework · Supported currencies Data verified on Jun 23, 2026
- bit2me.freshdesk.com Fees · Fx · Atm · Cashback · +1 Data verified on Jun 22, 2026
- prnewswire.com Licenses & registrations · Azienda Data verified on Jun 22, 2026
- todey.xyz Payment network · Custodial · Regioni Data verified on Jun 22, 2026