Bitsa Card
Bitsa · Visa
Bitsa is a European Visa prepaid card that can be topped up in euros or cryptocurrencies (Bitcoin, Ethereum and others), auto-converted to euros, with a Spanish IBAN, virtual and physical cards, Apple/Google Pay and disposable "privacy" cards. Historically known for non-nominative use within low limits, it now requires KYC for higher tiers (Free 1,500 EUR/day, Move 8.99 EUR/year with 5,000 EUR/day, Pro 69.99 EUR/year with 15,000 EUR/day). The card is custodial: Bitsa holds the funds. The advertised up-to-15% cashback applies only at selected partner stores and has been reported as reduced/discontinued. The issuance fee shown here (20 EUR) is for the physical card; the virtual card is cheaper (~2.50 EUR). The ATM fee (~0.55 EUR + 1% international) is not modelled as a dedicated field.
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 verified on Jun 22, 2026 · personalise the calc
Data & conditions
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | €20 |
| Annual fee | Free |
| Free ATM limit | 450 EUR/day |
| ATM withdrawal | Free |
| FX markup | 2% |
| Cashback | 15% in EUR · Nessuno |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Light |
| Privacy | 6/10 |
| Supported countries | EEA · 30+ countries |
| Estimated net annual cost | €0/year |
| Regulator | Banco de España (issuer Pecunpay E.D.E., EMI iscritta al registro Banco de España n. 6707); circuito Visa |
| Segment | B2C |
| MiCA / License status | EEA EMI / prepaid card programme Electronic money issued by Pecunpay E.D.E., a Spanish electronic money institution supervised by the Bank of Spain (register no. 6707); operates across the EEA within the SEPA area, subject to EU KYC/AML obligations. |
Strengths
- Crypto top-up (BTC, ETH and others) with automatic euro conversion and a Spanish IBAN
- Virtual cards and disposable "privacy" cards for more private online purchases
- Available across the entire EEA with Apple/Google Pay support
- Light KYC: minimal identity verification.
Weaknesses
- Custodial: Bitsa holds funds and has demanded KYC, with complaints about frozen accounts (Trustpilot ~1.4)
- Low limits (ATM 450 EUR/day, Free-tier spend 1,500 EUR/day) and FX markup up to 2%
- Up-to-15% cashback only at partner stores and reported as reduced/discontinued; not available in UK/USA
- Custodial: the platform holds your funds and can freeze or lose them.
- Subject to regulation (Electronic money issued by Pecunpay E.D.E., a Spanish electronic money institution supervised by the Bank of Spain (register no. 6707); operates across the EEA within the SEPA area, subject to EU KYC/AML obligations.): reporting to authorities and freezes on order.
Verdict
Limited protection: a custodial card issued by an EMI supervised by the Bank of Spain, holding client funds as e-money without bank deposit guarantee. KYC/AML required for higher tiers and documented complaints about frozen accounts (Trustpilot ~1.4). Suitable for small amounts, not as a primary account.
Low sovereignty: funds are custodied by Bitsa/Pecunpay, use is not truly anonymous (light KYC required for usable limits) and the issuer can freeze or close the account. Disposable virtual cards offer some purchase privacy but not self-custody.
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
Does Bitsa support use without full KYC?
Bitsa historically allowed non-nominative use within very low limits, but it now operates in the EEA under KYC/AML rules and requires identity verification for higher tiers and limits. It is best treated as light KYC, not truly anonymous.
Which network does it use and where is it available?
It is a Visa prepaid card available across the entire EEA (27 EU members plus Iceland, Liechtenstein and Norway). It is not available in the UK or the USA.
Sources
- Official service page Payment network · Virtual card · Crypto funding · Spanish IBAN · +6 Data verified on Jun 23, 2026
- soporte.bitsacard.com Paesi num · Italia disponibile Data verified on Jun 23, 2026
- sweepbase.net Tier fees · Cashback · Kyc · ATM limits Data verified on Jun 22, 2026
- todey.xyz Card issuance fee · Custodial · ATM limits · FX markup · +1 Data verified on Jun 22, 2026