# BitPay Card

by BitPay · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [bitpay.com](https://www.bitpay.com)

## Facts

- BitPay Card is a Mastercard prepaid card from BitPay.
- BitPay Card has no monthly fee.
- A virtual card costs 0.00 USD, a physical card 0.00 USD.
- Payments in foreign currencies cost 3 %.
- Topping up costs free.
- The card works with Apple Pay.
- BitPay Card is available in United States.
- Supported assets: BTC, ETH, USDC, DAI, DOGE, LTC, BCH, MATIC, SHIB, WBTC, APE, USDP, GUSD, BUSD, EUROC.
- Issuer / BIN sponsor: Metropolitan Commercial Bank.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | prepaid |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual, physical |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card network | Mastercard |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | unknown |  |  |
| Funding model | fiat balance |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | USD |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | Yes |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Contactless | Yes |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | 0.00 USD |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Physical card issuance | 0.00 USD |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Shipping | unknown |  |  |
| Monthly fee | 0.00 USD |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Annual fee | unknown |  |  |
| Top-up fee | free |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | unknown |  |  |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 3 % |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | unknown |  |  |
| Merchant-specific fee | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | 5.00 USD |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | unknown |  |  |
| Card replacement | unknown |  |  |
| ↳ Physical card | 10.00 USD |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | only in the app |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## KYC and limits

KYC: ID document

### ID document

- Tier 1 at BitPay — Requires: Phone number, Name and date of birth, Address, Tax ID; In some cases: ID document (on request: The bank may ask to see a driver's license or other photo documentation as verification of identity.) — bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026)

| Limits | Value |
| --- | --- |
| Top-up per transaction | 10,000 USD |
| Top-up per day | 10,000 USD |
| Spending per day | 10,000 USD |
| ATM per transaction | 2,000 USD |
| ATM per day | 6,000 USD |
| ATM per day (number) | 3× |
| ATM per month | 25,000 USD |
| Balance in total | 25,000 USD |

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| ↳ by residence | Available in: United States |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Residency requirement | Applicants must provide a valid U.S. mailing address and residential address (if different). |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | not available |
| Austria | not available |
| Switzerland | not available |
| United States | available |
| United Kingdom | not available |
| France | not available |
| Spain | not available |
| Italy | not available |
| Netherlands | not available |
| Türkiye | not available |
| Brazil | not available |
| Nigeria | not available |
| India | not available |
| United Arab Emirates | not available |
| Singapore | not available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | BTC, ETH, USDC, DAI, DOGE, LTC, BCH, MATIC, SHIB, WBTC, APE, USDP, GUSD, BUSD, EUROC |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | unknown |  |  |
| Spending order | unknown |  |  |
| Fiat top-up | unknown |  |  |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Metropolitan Commercial Bank |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Program manager | BitPay, Inc. |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Headquarters | unknown |  |  |
| Support channels | phone |  | bitpay.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Company and trust

- Company founded 2011

### Company

- Founded: 2011 (Source: bitpay.com)

### Issuer

- Metropolitan Commercial Bank
- Issues 1 card programme in our catalogue

### Transparency

- Transparency 83 %
- 0 of 15 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: yes
- Terms and conditions: yes
- Terms with version or date: unknown
- Sources last checked 2026-10-29

## How the score is made up

65.17 of 100 · good. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 80 | 20.0 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 90 | 13.5 |
| Availability | 10 % | 17 | 1.7 |
| Rewards | 10 % | 100 | 10.0 |
| Trust | 10 % | 80 | 8.0 |
| Community | 10 % | not scored | counts with the median (5.0) |

## Changelog

- 29 Oct 2026: Score changed from 64.37 to 64.67.
- 29 Oct 2026: Changes to licences.
- 29 Oct 2026: Score changed from 67.68 to 64.37.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 62.03 to 67.68.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 58.17 to 62.03.
- 29 Oct 2026: Score changed from 61.17 to 58.17.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to KYC levels and requirements.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/bitpay-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/bitpay-card/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 29 Oct 2026, https://cryptocardss.com/en/bitpay-card/