Comparison
Bitnob Card vs. Tap Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Bitnob CardBitnob
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Tap CardTap
In short
- Tap Card ask for the least (ID document).
- Tap Card has the higher score (58.37).
| Attribute |
Bitnob CardBitnob
Requires KYC
Private & business
Virtual
|
Tap CardTap
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | weak | average |
| CostsWeight 25 % | 32 | not scored |
| KYC and privacyWeight 20 % | 0 | 35 |
| FeaturesWeight 15 % | 76 | 100 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | 58 |
| TrustWeight 10 % | 95 | 80 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: Full verification | KYC: ID document |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form (differs) |
prepaid
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards operate on a prepaid model, so users spend only what they load.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
debit
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Wenn Sie eine berechtigte Zahlung mit Ihrer Debitkarte tätigen, erhalten Sie einen Prozentsatz Ihrer Ausgaben zurück auf Ihr Konto.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs) |
virtual
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
We currently issue virtual USD cards compatible with Visa and Mastercard networks. Each card comes with its own card number, expiry date, and CVV. Physical card issuance is on our roadmap pending part...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
### Tap Card Physische und virtuelle Karten für alle Ihre Ausgaben.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
Visa
help.bitnob.com checked 29 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
The Cards section is a full virtual Visa card issuance platform.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Mastercard
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Mastercard Is A Registered Trademark And The Circles Design Is A Trademark Of Mastercard International Incorporated. Cards Issued By Transact Payments Limited Pursuant To Licence By Mastercard Interna...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
custodial
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
We will act as your custodian for any Cryptocurrency assets in your Account from time to time. You will be the beneficial owner and have beneficial title to any Cryptocurrency asset held by us as cust...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Tap ist keine Bank. Tap ist eine lizenzierte und regulierte Fintech-Plattform, die viele vergleichbare Leistungen bietet — Fiat-Zahlungskonten, internationale Überweisungen und Multiwährungs-IBANs — p...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
fiat balance
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards are funded from your USDT crypto wallets. The conversion to USD happens seamlessly at the best available rate through our trading infrastructure. Cards operate on a prepaid model, so users spend...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Pay worldwide wherever Mastercard is accepted. Use the currency of your choice to load up your card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
USD
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownUSD
bitnob.comchecked 29 Oct 2026
We currently issue virtual USD cards compatible with Visa and Mastercard networks.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
Standard:
unknown
1 more country/regionGermany: EUR withtap.com checked 29 Oct 2026 Source and check Source withtap.com Wording at the sourceBis zu 8 % Cashback in Deutschland. Hohe Limits. Weltweit zahlen in EUR.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs) |
personal, business
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
### Fintech apps offering USD spending in emerging markets ### Freelancers spending crypto earnings in USD ### Corporate expense cards funded from treasuryChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Privat ## Funktionen Alles, was Sie brauchen, um Ihr Geld zu verwalten, zu vermehren und auszugeben.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) | unknown |
Transact Payments Limited
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Cards Issued By Transact Payments Limited Pursuant To Licence By Mastercard International Incorporated. Transact Payments Limited Is Authorised And Regulated By The Gibraltar Financial Services Commis...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs) |
user setting
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
You can set per-transaction limits, daily spending caps, merchant category restrictions, and geographic restrictions.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in | unknown | unknown |
| Crypto | ||
| Supported assets (differs) |
BTC, USDT, USDC
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownBTC, USDT, USDC
bitnob.comchecked 29 Oct 2026
Virtual cards are issued in USD and can be funded from any of your available wallets (BTC, USDT, USDC, or NGN). The system automatically converts your funds to USD at competitive rates.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | unknown |
| Fiat top-up |
Yes
bitnob.com checked 29 Oct 2026
Two sources, two values
ShownYes
bitnob.comchecked 29 Oct 2026
You can fund virtual cards instantly from your BTC, USDT, USDC, or NGN wallets. Simply select the card you want to fund, choose your funding source, enter the amount, and confirm the transaction.Differingvalue not recorded bitnob.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
Yes
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Lade die Tap-App für iOS oder Android herunter. Verifiziere deine Identität und lade dein Konto per Banküberweisung oder Karte auf.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
Google Pay
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Yes. Cards can be provisioned to Apple Pay and Google Pay for contactless tap-to-pay at any supported terminal.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| ATM withdrawals | unknown | unknown |
| Contactless (differs) |
Yes
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Yes. Cards can be provisioned to Apple Pay and Google Pay for contactless tap-to-pay at any supported terminal.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Fees | ||
| Virtual card issuance (differs) |
1.00 USD
help.bitnob.com checked 29 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
| Card creation fee | 1.00 USD per card |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Physical card issuance (differs) |
not applicable
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Physical card issuance is on our roadmap pending partner enablement.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Free cards | unknown | unknown |
| Shipping (differs) |
not applicable
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Physical card issuance is on our roadmap pending partner enablement.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Monthly fee | unknown |
Standard:
unknown
1 more country/regionGermany: 0.00 EUR withtap.com checked 29 Oct 2026 Source and check Source withtap.com Wording at the sourceDas Tap-Geldkonto ist darauf ausgelegt, die Dinge einfach zu halten. Keine monatlichen Gebühren. Kein Mindestguthaben.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee (differs) |
not published
help.bitnob.com checked 29 Oct 2026
Source and check
Source
help.bitnob.com
Wording at the source
## Card fees and limits | Item | Amount | |---|---| | Card creation fee | 1.00 USD per card | | Minimum top-up | 3.00 USD | | Top-up fee up to 100 USD | 1.00 USD flat | | Top-up fee above 100 USD | 1...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) |
not published
bitnob.com checked 29 Oct 2026
Source and check
Source
bitnob.com
Wording at the source
Cards are funded from your USDT crypto wallets. The conversion to USD happens seamlessly at the best available rate through our trading infrastructure. Cards operate on a prepaid model, so users spend...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Foreign currency fee | unknown | unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | unknown | unknown |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement | unknown | unknown |
| Rewards | ||
| Cashback (differs) | unknown |
0.5–8 %
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
8%Bis zu Cashback auf jeden qualifizierten EinkaufChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Bitnob Card · Tap Card: promotions and bonuses as well as warnings and incidents.