Comparison
BitPay Card vs. Bitrefill Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
BitPay CardBitPay
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Bitrefill CardBitrefill
In short
- BitPay Card has the higher score (65.17).
| Attribute |
BitPay CardBitPay
Requires KYC
Private
Virtual
Physical
|
Bitrefill CardBitrefill
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | good | average |
| CostsWeight 25 % | 80 | 70 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 90 | 82 |
| AvailabilityWeight 10 % | 17 | 22 |
| RewardsWeight 10 % | 100 | 40 |
| TrustWeight 10 % | 80 | 70 |
| CommunityWeight 10 % | not scored | not scored |
| Nationality | – | Not for nationals of: United States, Russia |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
Starter
|
| Basics | ||
| Card form |
prepaid
bitpay.com checked 29 Oct 2026
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? |
prepaid
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Use your own walletKeep your crypto where you feel safe and deposit to your card only when you want to turn it into euros.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types |
virtual, physical
bitpay.com checked 29 Oct 2026
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? |
virtual, physical
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
Mastercard
bitpay.com checked 29 Oct 2026
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? |
Visa
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Pay anywhere with VISAPay online or in-store anywhere VISA is accepted** with Google Pay support.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody (differs) | unknown |
custodial
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
The custody and exchange of your crypto assets is handled by Striga Technology OÜ, a VASP licensed in Estonia. The card is issued, and payments are provided, by Wallester AS, licensed in Estonia.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
fiat balance
bitpay.com checked 29 Oct 2026
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? |
fiat balance
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Use your own walletKeep your crypto where you feel safe and deposit to your card only when you want to turn it into euros.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
USD
bitpay.com checked 29 Oct 2026
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? |
EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Use your own walletKeep your crypto where you feel safe and deposit to your card only when you want to turn it into euros.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage |
personal
bitpay.com checked 29 Oct 2026
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? |
personal
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Individuals aged 18 or older who passed an identity verification process (managed by our card partner) and are residents of the following countries are eligible to apply for the Bitrefill Card:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
Metropolitan Commercial Bank
bitpay.com checked 29 Oct 2026
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? |
Wallester AS
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
The custody and exchange of your crypto assets is handled by Striga Technology OÜ, a VASP licensed in Estonia. The card is issued, and payments are provided, by Wallester AS, licensed in Estonia.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on | unknown | unknown |
| Cards per account (differs) |
1
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
number of Cards per Card Account is limited to 1.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Availability | ||
| Available in | unknown | unknown |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH, USDC, DOGE, LTC, DAI, BCH, MATIC, SHIB, WBTC, APE, USDP
bitpay.com checked 29 Oct 2026
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 moreBTCETHUSDCDOGELTCDAIBCHMATICSHIBWBTCAPEUSDPGUSDBUSDEUROC |
BTC, ETH, USDC, SOL, BNB, POL
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
USDCEthereum Network Polygon Network (ERC20) Solana Network (SPL)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks (differs) | unknown |
Bitcoin, Lightning, Ethereum, BNB Smart Chain, Solana, Polygon
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
BitcoinBitcoin Network Lightning NetworkChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up | unknown | unknown |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
bitpay.com checked 29 Oct 2026
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? |
Google Pay
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Pay anywhere with VISAPay online or in-store anywhere VISA is accepted** with Google Pay support.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals |
Yes
bitpay.com checked 29 Oct 2026
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? |
Yes
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Turn crypto into cashWithdraw any funds on your card at all ATMs accepting VISA globally.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless (differs) |
Yes
bitpay.com checked 29 Oct 2026
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? |
unknown |
| Fees | ||
| Virtual card issuance (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Virtual Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Physical Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Monthly fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Choose your free cardGet both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee | unknown | unknown |
| Top-up fee (differs) |
free
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
BitPay loads and reloads $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) | unknown |
not published
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
A variable spread reflecting the crypto to fiat exchange cost applies. The final amount to be charged will be visible for your approval before deposit confirmation.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs) |
3 %
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS signature purchase We charge 3% when currency conversion is $0.00 (int'l) performedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) | unknown |
2.49 %
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
ATM Withdrawal2.49%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee (differs) |
free
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS PIN debit purchase $0.00 We do not charge a fee for this service POS signature purchase $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Card activation fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS PIN purchase $0.00 We do not charge a fee for this service (declined) POS SIG purchase $0.00 We do not charge a fee for this service (declined)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Refund fee | unknown | unknown |
| Inactivity fee (differs) |
5.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Assessed each month after 90 days of no Dormancy $5.00 transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
10.00 EUR
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
12 Month Inactivity fee€10/monthlyChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule (differs) |
Dormancy fee assessed each month after 90 days of no transaction.
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Assessed each month after 90 days of no Dormancy $5.00 transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
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.
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
A card is considered to be inactive if you do not spend or cash-out money for a continuous period of 12 months. Both a 1-month and 1-week prior notice will be sent by e-mail to you before charging any...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card replacement | unknown | unknown |
| Rewards | ||
| Cashback (differs) |
only in the app
bitpay.com checked 29 Oct 2026
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? |
1 % (spend from 0/month) · in EUR |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) (differs) | unknown |
not published
bitrefill.com checked 29 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Please refer to the Terms & Conditions of the Website before proceeding. The "Refer a Friend" campaign aims at expanding Bitrefill Customer network through the referral of friends.Checked Verified Add this value? No earlier versions What does [s] mean? |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
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One mail when something changes at BitPay Card · Bitrefill Card: promotions and bonuses as well as warnings and incidents.