# BitPay Card vs. Bitrefill Card: fees, limits & KYC

- BitPay Card has the higher score (65.17).

## Basics

|  | BitPay Card | Bitrefill Card |
| --- | --- | --- |
| Card form | prepaid | prepaid |
| Card types | virtual, physical | virtual, physical |
| **Card network** | Mastercard | Visa |
| **Custody** | unknown | custodial |
| Funding model | fiat balance | fiat balance |
| **Card currencies** | USD | EUR |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | Metropolitan Commercial Bank | Wallester AS |
| Limits depend on | unknown | unknown |
| **Cards per account** | 1 | unknown |

## Availability

|  | BitPay Card | Bitrefill Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | BitPay Card | Bitrefill Card |
| --- | --- | --- |
| **Supported assets** | BTC, ETH, USDC, DAI, DOGE, LTC, BCH, MATIC, SHIB, WBTC, APE, USDP, GUSD, BUSD, EUROC | BTC, ETH, USDC, SOL, BNB, POL |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | unknown | Bitcoin, Lightning, Ethereum, BNB Smart Chain, Solana, Polygon |
| Fiat top-up | unknown | unknown |

## Payments

|  | BitPay Card | Bitrefill Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay | Google Pay |
| ATM withdrawals | Yes | Yes |
| **Contactless** | Yes | unknown |

## Fees

|  | BitPay Card | Bitrefill Card |
| --- | --- | --- |
| **Virtual card issuance** | 0.00 USD | 0.00 EUR |
| **Physical card issuance** | 0.00 USD | 0.00 EUR |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| **Monthly fee** | 0.00 USD | 0.00 EUR |
| Annual fee | unknown | unknown |
| **Top-up fee** | free | unknown |
| Crypto deposit fee | unknown | unknown |
| **Crypto conversion fee** | unknown | not published |
| **Foreign currency fee** | 3 % | unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | unknown | 2.49 % |
| **Transaction fee** | free | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| **Activation fee** | 0.00 USD | unknown |
| Minimum top-up | unknown | unknown |
| **Declined payment fee** | 0.00 USD | unknown |
| Refund fee | unknown | unknown |
| **Inactivity fee** | 5.00 USD | 10.00 EUR |
| Minimum monthly spend | unknown | unknown |
| **Inactivity rule** | Dormancy fee assessed each month after 90 days of no transaction. | Card is inactive after 12 continuous months without spending or cash-out; then €10/month is charged (only from available balance) after 1-month and 1-week e-mail notice; at €0 balance the card and card account are deactivated. |
| Card replacement | unknown | unknown |

## Rewards

|  | BitPay Card | Bitrefill Card |
| --- | --- | --- |
| **Cashback** | only in the app | 1 % (spend from 0/month) · in EUR |
| Referral bonus (invited friend) | unknown | unknown |
| **Referral bonus (you)** | unknown | not published |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | BitPay Card | Bitrefill Card |
| --- | --- | --- |
| Limits (entry level) | Top-up per transaction 10,000 USD · Top-up per day 10,000 USD · Spending per day 10,000 USD | Starter: Top-up in total 15,000 EUR · Spending per day 10,000 EUR · Spending per month 10,000 EUR |

- [BitPay Card](https://cryptocardss.com/en/bitpay-card.md)
- [Bitrefill Card](https://cryptocardss.com/en/bitrefill-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitpay-card-vs-bitrefill-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/bitpay-card-vs-bitrefill-card/