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Image source Source bitpay.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by BitPay Waitlist

BitPay Card

KYC: ID document KYC and limits

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified29 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Image source Source bitpay.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.
Score good of 100

How it is made up ↓Methodology →

To BitPay

Basicsbitpay-card

Card form
prepaid Source and check Source bitpay.com Wording at the source 2. Your Card. The Card is a prepaid card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types
virtual, physical Source and check Source bitpay.com Wording at the source You may request, be issued, and/or use a physical plastic card (a "Physical Card") or a virtual representation of the card (a "Virtual Card"). Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network
Mastercard Source and check Source bitpay.com Wording at the source Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody
unknown
Funding model
fiat balance Source and check Source bitpay.com Wording at the source The Card allows you to access funds loaded to your Card Account by you or on your behalf. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies
USD Source and check Source bitpay.com Wording at the source If you effect a transaction with your Prepaid Mastercard in a currency other than US Dollars, Mastercard will convert the charge into a US Dollar amount. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage
personal Source and check Source bitpay.com Wording at the source You must be 18 years old to qualify as a Cardholder. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on
unknown
Cards per account
unknown
Mobile wallets
Apple Pay Source and check Source bitpay.com Wording at the source Users can add the BitPay crypto debit card to Apple Pay and make purchases wherever Apple Pay is accepted globally. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals
Yes Source and check Source bitpay.com Wording at the source With a PIN, you may use your Card to (i) obtain cash or check your balance at any Automated Teller Machine ("ATM") that bears the Mastercard® Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless
Yes Source and check Source bitpay.com Wording at the source Apple Pay is not only available for in-app purchases, but contactless purchases in store and online using your iPhone, Apple Watch, iPad, and Mac. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Fees and cashback

AttributeValue
Fees
Virtual card issuance 0.00 USD Source and check Source bitpay.com Wording at the source Virtual Card purchase fee $0.00 We do not charge a fee for this service Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Physical card issuance 0.00 USD Source and check Source bitpay.com Wording at the source Physical Card purchase fee $0.00 We do not charge a fee for this service Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Shipping unknown
Monthly fee 0.00 USD Source and check Source bitpay.com Wording at the source Monthly fee $0.00 We do not charge a fee for this service Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Annual fee unknown
Top-up fee free Source and check Source bitpay.com Wording at the source BitPay loads and reloads $0.00 We do not charge a fee for this service Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 100.00 USD: 0.00 USD ↳ Topping up 1,000.00 USD: 0.00 USD
Crypto deposit fee unknown
Crypto conversion fee unknown
Minimum conversion unknown
Foreign currency fee 3 % Source and check Source bitpay.com Wording at the source POS signature purchase We charge 3% when currency conversion is $0.00 (int'l) performed Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Minimum FX fee unknown
ATM fee unknown
Merchant-specific fee unknown
Declined payment fee unknown
Refund fee unknown
Inactivity fee 5.00 USD Source and check Source bitpay.com Wording at the source Assessed each month after 90 days of no Dormancy $5.00 transaction Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Minimum monthly spend unknown
Inactivity rule unknown
Card replacement
  • Physical card: 10.00 USD Source and check Source bitpay.com Wording at the source Replace card $10.00 For physical card only Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ replacement_1: 10.00 USD ↳ replacement_2: 10.00 USD
Plan waivers unknown
Cashback & rewards
Cashback only in the app Source and check Source bitpay.com Wording at the source Each merchant is different, and the percentage you earn will be shown next to the offer and in the offer details. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. ID document

    ID document, often with a selfie or video ident

    1. Tier 1 at BitPay

      Source and check Source bitpay.com Wording at the source When you apply for a Card, we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allow us to identify you. We also... Checked Verified Value wrong? No earlier versions What does [s] mean?

      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.)

LimitsValue
Top-up per transaction 10,000 USD Source and check Source bitpay.com Wording at the source The maximum load amount is $10,000. Checked Verified Value wrong? No earlier versions What does [s] mean?
Top-up per day 10,000 USD Source and check Source bitpay.com Wording at the source $10,000 per day (Any Value loads combination of all supported load types) Checked Verified Value wrong? No earlier versions What does [s] mean?
Spending per day 10,000 USD Source and check Source bitpay.com Wording at the source $10,000 per day (the "Daily Purchases (POS) Purchase Limit") Checked Verified Value wrong? No earlier versions What does [s] mean?
ATM per transaction 2,000 USD Source and check Source bitpay.com Wording at the source $2,000 per withdrawal, 3 Cash withdrawal (ATM withdrawals per day, & bank teller) $25,000 per month Checked Verified Value wrong? No earlier versions What does [s] mean?
ATM per day 6,000 USD Source and check Source bitpay.com Wording at the source The maximum amount of cash you may withdraw at an ATM on a daily basis is $6,000 as described in the Section above titled "Limitations on Frequency and Dollar Amounts of Transactions." Checked Verified Value wrong? No earlier versions What does [s] mean?
ATM per day (number) 3× Source and check Source bitpay.com Wording at the source $2,000 per withdrawal, 3 Cash withdrawal (ATM withdrawals per day, & bank teller) $25,000 per month Checked Verified Value wrong? No earlier versions What does [s] mean?
ATM per month 25,000 USD Source and check Source bitpay.com Wording at the source $2,000 per withdrawal, 3 Cash withdrawal (ATM withdrawals per day, & bank teller) $25,000 per month Checked Verified Value wrong? No earlier versions What does [s] mean?
Balance in total 25,000 USD Source and check Source bitpay.com Wording at the source The maximum aggregate value of your Card Account(s) may not exceed $25,000 at any time. Checked Verified Value wrong? No earlier versions What does [s] mean?

KYC: ID document KYC-free according to the provider (limits not published).

When is KYC needed?

No triggers published.

What do you have to show? Open the KYC finder

Availability

AttributeValue
Available in
  • by residence: Available in: United States Source and check Source bitpay.com Wording at the source your real name, valid U.S. mailing address and residential address (if different), social security number or other identification documentation, date of birth, and telephone number. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Residency requirement Applicants must provide a valid U.S. mailing address and residential address (if different). Source and check Source bitpay.com Wording at the source your real name, valid U.S. mailing address and residential address (if different), social security number or other identification documentation, date of birth, and telephone number. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Key countries

  • 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

✓ available · ✗ not available · ? not known from the sources

Point at or tap a country.

available (1) not available (249) unknown

Crypto

AttributeValue
Supported assets BTC, ETH, USDC, DOGE, LTC, DAI, BCH, MATIC, SHIB, WBTC, APE, USDP Source and check Source bitpay.com Wording at the source In addition to Polygon (MATIC), BitPay supports the following cryptocurrencies: - Bitcoin (BTC) - Bitcoin Cash (BCH) - Ethereum (ETH) - Litecoin (LTC) - Dogecoin (DOGE) - Shiba Inu (SHIB) - ApeCoin (... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
+ 3 more BTCETHUSDCDOGELTCDAIBCHMATICSHIBWBTCAPEUSDPGUSDBUSDEUROC
Number of supported assets unknown
Top-up networks unknown
Spending order unknown
Fiat top-up unknown

Bonuses and promotions

What BitPay offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

No referral bonus, welcome bonus or promotion documented yet.

Trust

AttributeValue
Issuer / BIN sponsor Metropolitan Commercial Bank Source and check Source bitpay.com Wording at the source Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Program manager BitPay, Inc. Source and check Source bitpay.com Wording at the source The "Program Manager" for the BitPay Prepaid Mastercard is BitPay, Inc and the Customer Service telephone number is 1-855-398-1373 or the toll-free telephone number on the back of your Card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Headquarters unknown
Support channels phone Source and check Source bitpay.com Wording at the source Contact BitPay, Inc. by calling 1-855-398-1373, or visit www.bitpay.com. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Company founded 2011 Source and check Source bitpay.com Wording at the source BitPay was founded in 2011, while Bitcoin was still in its infancy. Checked Verified

Issuer

Metropolitan Commercial Bank Source and check Source bitpay.com Wording at the source Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. Checked Verified Issues 1 card programme in our catalogue

Company

Founded 2011 Source and check Source bitpay.com Wording at the source BitPay was founded in 2011, while Bitcoin was still in its infancy. Checked Verified

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

Licences

No licences captured yet.

What users report

No community reports evaluated yet.

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.

Methodology and weights
  1. CostsWeight 25 %
    80/100
    20.0 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    35/100
    7.0 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    90/100
    13.5 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    17/100
    1.7 of 10 points

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    100/100
    10.0 of 10 points

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    80/100
    8.0 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % not scored
    • Company age (up to 5 years)Weight 10 % 100
    • Card on the market (up to 3 years)Weight 10 % not scored
    • IssuerWeight 15 % 44
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 83
    • Incidents (12 months)Weight 15 % 100
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

Early warning

Alerts for this card

We tell you what changes at BitPay Card and BitPay, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Score changed from 64.37 to 64.67.

  • Changes to licences.

  • Score changed from 67.68 to 64.37.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Score changed from 62.03 to 67.68.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Score changed from 58.17 to 62.03.

  • Score changed from 61.17 to 58.17.

  • Changes to limits.

  • Changes to KYC levels and requirements.

Apply for BitPay Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

Report an error To BitPay