Bitstack Card
Bitstack · Visa
Bitstack is a French Bitcoin savings app that automatically converts the spare change from everyday purchases into BTC via dollar-cost averaging. The Bitstack Card is a Visa card (physical and virtual) linked to a euro account with a French IBAN: the "Stackback" feature returns up to 1% of every purchase in Bitcoin, with no cap. The card has a EUR 9.99 issuance fee (plus delivery) and no monthly subscription; above EUR 1,000/month of foreign-currency spending an exchange fee of up to roughly 1% applies. Bitstack is a custodial service: bitcoin is held by the platform on the user's behalf. The card is launching in beta in France (waitlist) and Bitstack is registered as a crypto-asset service provider (CASP/PSAN) with France's AMF under ACPR oversight. Some final commercial figures (annual fee, spending limits) are not yet fully documented.
Data & conditions
| Account fee | — |
|---|---|
| Network | Visa |
| ATM withdrawal | 1% |
| Free ATM limit | 200 EUR/mese o 5 prelievi gratis, poi minimo 1 EUR o 1% per transazione |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 20+ countries |
| Regulator | AMF / ACPR (Francia) |
| Segment | B2C |
| Funding / solidity | Bitstack (Bitstack Digital Assets SAS) is a French company based in Paris, founded in 2021, offering a Bitcoin savings app via spare-change round-ups and dollar-cost averaging. It is registered as a PSAN with the AMF and authorised as a CASP under MiCA. |
| MiCA / License status | CASP / PSAN registrato AMF (Francia)Vigilanza ACPR Registered as PSAN with the AMF (no. E2021-027) and authorised as a crypto-asset service provider (CASP) under the MiCA regulation (no. A2025-003), under ACPR oversight. |
Strengths
- Up to 1% Bitcoin cashback on every purchase, with no cap
- Euro account with a French IBAN and no monthly subscription fee
- Issuer regulated in France as a crypto-asset service provider (AMF/ACPR)
- No notable sovereignty advantage documented.
Weaknesses
- Custodial service: bitcoin is held by Bitstack, not by the user
- EUR 9.99 issuance fee and exchange fees above EUR 1,000/month in foreign currency
- Free ATM withdrawals only up to EUR 200 or 5 operations per month, then chargeable
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Registered as PSAN with the AMF (no. E2021-027) and authorised as a crypto-asset service provider (CASP) under the MiCA regulation (no. A2025-003), under ACPR oversight.): reporting to authorities and freezes on order.
Verdict
Issuer regulated in France: registered PSAN with the AMF (E2021-027) and authorised as a CASP under MiCA (A2025-003) with ACPR oversight. Custodial service, so funds and bitcoin are held by the platform on the user's behalf.
Custodial service: Bitstack holds the cashback Bitcoin and account funds, the user does not control the private keys. Full KYC required. Low sovereignty from a cypherpunk standpoint.
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 Bitstack Card custodial or self-custody?
It is custodial: the bitcoin earned through Stackback cashback and the account funds are held by Bitstack, which is regulated in France as a crypto-asset service provider with the AMF under ACPR oversight.
How much cashback does the Bitstack Card offer?
The Stackback feature returns up to 1% of every purchase in Bitcoin, with no cap. The card has a EUR 9.99 issuance fee plus delivery and no monthly subscription.
Sources
- Official service page Nome · Payment network · Cashback · Virtual card · +6 Data verified on Jun 23, 2026
- amf-france.org Regulator · Regulatory framework · Regolamentazione en · Azienda info · +1 Data verified on Jun 23, 2026
- todey.xyz Custodial · Kyc · Regioni · Licenses & registrations · +1 Data verified on Jun 22, 2026