Bitrefill Card Review 2025: Spend Bitcoin & Crypto In Shops

In this review, we’ll take a closer look at Bitrefill’s latest offering: the Bitrefill Card. Available in Europe, this card allows you to spend crypto at physical stores, making it easier than ever to use Bitcoin and other altcoins in the real world.

Who says HODLing is the only way to make use of your Bitcoin? Spending it can actually be a smart move too, since Bitcoin isn’t just a store of value—it’s also a medium of exchange.

The trouble is, outside of bitcoin-friendly places like El Salvador or Lugano, Switzerland, paying with Bitcoin is still a challenge. Most merchants don’t accept it, and you often find yourself either checking btcmap.org or asking, “Do you accept Bitcoin?”—only to hear “no” most of the time. That’s where the Bitrefill Card comes in. Let’s see how it solves this problem in this review.

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What’s The Bitrefill Card

The Bitrefill Card is a cryptocurrency debit card that allows users to spend their crypto holdings in everyday transactions. Available to residents of several European countries, the card can be topped up with a variety of cryptocurrencies, including Bitcoin, Ethereum, and Binance Coin.

What sets the Bitrefill Card apart is its ability to seamlessly integrate cryptocurrency into everyday spending, both online and in physical stores. As long as the merchant accepts Visa payments, the Bitrefill Card can be used to make purchases. With the growing interest in cryptocurrency, this card aims to offer a practical solution for users who want to use their crypto assets beyond just holding or trading them.

How The Bitrefill Card Works

The Bitrefill Card operates similarly to a traditional prepaid debit card, but with the added advantage of supporting cryptocurrency deposits. Users load their cards by transferring crypto, such as Bitcoin or Ethereum, and the funds are converted into a spendable balance on the card. This process is typically straightforward, and the card balance can be used for online shopping or in-store purchases at any location that accepts Visa.

In addition to general shopping, the card offers additional functionalities like ATM withdrawals, provided you have the physical version. If you’re an Android user, you can also add the card to Google Pay, making tap-to-pay transactions possible at contactless-enabled terminals. While iOS users currently don’t have access to Apple Pay, it is expected to be available soon.

Bitrefill Card Main Features

The Bitrefill Card includes several notable features that make it a convenient option for those looking to spend cryptocurrency:

• Cryptocurrency Support: The card supports multiple cryptocurrencies, including Bitcoin, Ethereum, USDT, USDC, and BNB. This provides flexibility for users who hold different types of crypto assets.

• Visa Compatibility: Since the card is part of the Visa network, it can be used wherever Visa payments are accepted, including for both online purchases and in-person transactions.

• Google Pay: Android users can link their Bitrefill Card to Google Pay, enabling tap-to-pay capabilities. Apple Pay integration is also planned for the future.

• ATM Withdrawals: The physical card allows for cash withdrawals from ATMs, providing further flexibility for those who prefer to convert their crypto into fiat currency.

• Security Features: The card includes a range of security measures, such as the ability to freeze or revoke the card instantly via the app, along with 3D Secure protection for online purchases.

How To Get The Bitrefill Card

Obtaining a Bitrefill Card requires a few simple steps:

1. Sign Up and Verification: First, you’ll need to create an account with Bitrefill and undergo identity verification. This process is typically straightforward, though the level of verification may vary depending on the type of card you want to receive.

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3. Order the card by clicking on the “Bitrefill Card” in the top menu (1), providing the KYC details (2), confirming your residency information (3), completing the full KYC process (4), accepting the policies (5), and clicking on “Continue” (6).
4. Activate the Virtual Card: After verification, you can activate your virtual card and start using it for online purchases immediately.
5. Order the Physical Card: If you prefer a physical card, you can order it directly from your Bitrefill account page. There are no charges for the card itself or for shipping. Once your physical card arrives, you can use it for in-store purchases and ATM withdrawals.

Bitrefill Card Supported Countries

The Bitrefill Card is available to residents of several European countries, making it accessible to a broad user base within the region. Currently, the card is offered to individuals living in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

While the Bitrefill Card is widely available in these countries, it’s important to note that eligibility is contingent upon successful identity verification (KYC). The card can be used internationally, as long as the merchant accepts Visa payments. However, due to various regulatory and policy restrictions, residents of certain jurisdictions may not be eligible, so it’s always advisable to check for any updates regarding supported regions.

Bitrefill Card Limits

The Bitrefill Card offers flexible spending options tailored to the user’s identity verification level. With no setup fees and no monthly charges, it’s a cost-effective way to start using your cryptocurrency for everyday purchases. Here’s a breakdown of the limits and features available.

Starter Plan

The Starter plan provides quick access to the Bitrefill Card and covers essential features, including instant virtual card ordering and physical card delivery. It’s perfect for users who want to manage their crypto spending without needing in-depth verification.

Plus Plan

For users who require higher spending limits, the Plus plan offers a higher monthly limit and additional identity verification. This plan is ideal for those who need to make larger transactions or use their card more frequently.

Additional Limits and Features

Notes on Inactivity and Fees

With no monthly fee and easy access to crypto spending, the Bitrefill Card is a practical choice for managing your crypto while traveling, shopping online, or at physical stores.

Bitrefill Card Fees

The Bitrefill Card offers a transparent and straightforward fee structure, ensuring users know exactly what to expect when using the card. There are no hidden charges, making it an attractive option for cryptocurrency holders who want a cost-effective way to spend their digital assets.

Free Services

The Bitrefill Card comes with several services that are entirely free:

• Account Setup: No fees to create and activate your account.
• Virtual Card Creation: Start using your card instantly without any cost.
• Physical Card Creation and Delivery: Your first physical card is provided and delivered at no charge.*
• Monthly Maintenance Fees: None—use the card without worrying about recurring costs.
• Foreign Transaction Fees: Bitrefill does not impose fees for international transactions; however, Visa fees may apply.

Deposit Fees

When topping up your card, Bitrefill applies a 1.99% deposit fee. This fee is fixed and added on top of the exchange rate provided by the card partner. It ensures your crypto is seamlessly converted into usable funds on the card.

ATM Withdrawal Fees

For users of the physical card, withdrawing cash from ATMs incurs a 2.49% withdrawal fee. This cost is applied to the transaction amount.

Inactivity Fees

If your card remains unused for 12 consecutive months, an inactivity fee of €10 per month will be charged. To avoid this fee, simply make a purchase or cash-out transaction. Bitrefill sends reminders via email one month and one week before the fee is applied.

Card Replacement Fees

If you need to replace your physical card before it expires—for example, if it’s lost or damaged—a €10 replacement fee applies.

Summary of Fees

The Bitrefill Card’s fee policy strikes a balance between affordability and convenience. By eliminating common costs like monthly fees and high foreign transaction charges, it remains one of the most accessible crypto-spending solutions in Europe.

Bitrefill Card Alternatives

When looking for alternatives to the Bitrefill Card, users will find a few other platforms that cater to cryptocurrency enthusiasts seeking similar services. Two notable options include Coincards and the Binance Card.

Coincards: Coincards has been serving crypto users since 2014, providing a wide selection of gift cards, mobile top-ups, and prepaid vouchers from various retailers. It accepts a broad range of cryptocurrencies, such as Bitcoin, Lightning Network, Litecoin, Dash, Dogecoin, Monero, Ethereum, and more. While Coincards charges a flat fee of 5%, it continues to expand its services globally, making it a viable choice for those outside Bitrefill’s supported regions.

Binance Card: The Binance Card is a cryptocurrency-powered debit card backed by one of the largest crypto exchanges. It enables users to convert their cryptocurrency into fiat and spend it at any merchant accepting Visa. The card supports several major cryptocurrencies, including Bitcoin, Ethereum, BNB, and USDT. It offers perks like cashback rewards of up to 8% on eligible transactions, depending on the user’s BNB holdings. With low transaction fees and the ability to manage the card directly within the Binance app, it’s a popular alternative for those already integrated into the Binance ecosystem.

Each of these options caters to slightly different needs, so the best choice depends on your preferred features, the cryptocurrencies you hold, and the geographical availability of the service.

Bitrefill Card Pros & Cons

Bottom Line

The Bitrefill Card bridges the gap between cryptocurrency and everyday spending, making it a practical choice for crypto enthusiasts in supported European countries. With no monthly fees, generous spending limits, and compatibility with major cryptocurrencies like Bitcoin and Ethereum, it offers convenience and flexibility for both online and in-store purchases.

While there are some limitations, such as geographic restrictions and fees for specific services, the card remains a compelling solution for turning digital assets into tangible value. For those seeking a straightforward and secure way to spend crypto, the Bitrefill Card is worth considering.

If you’re interested in exploring everything Bitrefill has to offer beyond the card, don’t miss our comprehensive Bitrefill Review. It covers the platform’s other features, including gift card purchases, mobile top-ups, and more, designed to help you get the most out of your cryptocurrency.

Bitrefill Card

Ease of Use: The Bitrefill Card is straightforward to use, offering both virtual and physical card options. It supports multiple cryptocurrencies, including Bitcoin, Ethereum, and USDT, and can be used globally wherever Visa is accepted. The process to top up the card is seamless, and its integration with popular crypto wallets ensures a hassle-free experience. 4/5

Security: Bitrefill prioritizes user security by implementing features like two-factor authentication (2FA) and HTTPS encryption. While it is not a regulated entity in the same way traditional banks are, its focus on non-custodial principles means users maintain control over their funds until they top up the card. Additionally, no personal data is required to start using the Starter plan, which enhances privacy. However, Plus tier users must complete identity verification for higher limits. 4/5

Fees & Limits: The Bitrefill Card comes with competitive fees. There are no monthly or activation fees, and foreign transaction charges are absent on Bitrefill’s end (though Visa fees may apply). A fixed 1.99% deposit fee is charged when loading the card. Limits vary based on account level: the Starter plan offers a €10,000 monthly spending cap, while the Plus tier raises it to €15,000. These limits are reasonable, making the card accessible to both casual and high-volume users. 4/5

Rewards & Cashback: Unlike some competitors, the Bitrefill Card doesn’t offer a traditional cashback program. However, Bitrefill’s broader ecosystem includes a rewards system that offers up to 10% cashback on gift card purchases, which users can use in conjunction with the card. While this is appealing, the absence of direct cashback on card transactions may be a downside for some users. 3/5

Supported Countries: The Bitrefill Card is available in most European Union countries and operates wherever Visa is accepted globally. However, there are restrictions in certain regions due to local regulations, such as the cash-out feature being unavailable in Sweden. For a broader rollout, some areas may require additional local approvals. 4/5

Final Rating: The Bitrefill Card is a solid option for crypto users who value privacy, low fees, and global usability. While it lacks advanced cashback rewards, its ease of use and security make it a practical choice for everyday spending. Overall: 4/5

Frequently Asked Questions (FAQ)