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Comparison

BitPay Card vs. CryptoPay Card compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on BitPay CardBitPay
  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on CryptoPay CardCryptoPay

In short

  • CryptoPay Card has the lowest foreign currency fee (1.95 %).
  • BitPay Card has the higher score (65.17).
Attribute BitPay CardBitPay Requires KYC Private Virtual Physical CryptoPay CardCryptoPay Requires KYC Private Virtual Physical
Score good average
CostsWeight 25 % 80 75
KYC and privacyWeight 20 % 35 35
FeaturesWeight 15 % 90 100
AvailabilityWeight 10 % 17 23
RewardsWeight 10 % 100 not scored
TrustWeight 10 % 80 70
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC: ID document
Limits (entry level)
  • Top-up per transaction: 10,000 USD
  • Top-up per day: 10,000 USD
  • Spending per day: 10,000 USD
+5 		Standard Due Diligence
  • Top-up per transaction: 8,000 EUR
  • Top-up per 24 hours: 8,000 EUR
  • Top-up per 24 hours (number): 5×
+9
Basics
Card form (differs) 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? debit Source and check Source cryptopay.me Wording at the source The Cryptopay Visa debit card ("Card") is issued by DiPocket UAB ("DiPocket"). 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? virtual, physical Source and check Source cryptopay.me Wording at the source Fee for upgrading a virtual card to a plastic card 5 EUR Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network (differs) 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? Visa Source and check Source cryptopay.me Wording at the source The Cryptopay Visa debit card ("Card") is issued by DiPocket UAB ("DiPocket"). Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody (differs) unknown custodial Source and check Source cryptopay.me Wording at the source Cryptocurrency storage services, whereby Cryptocurrency (whether purchased from Cryptopay or transferred from an external Cryptocurrency wallet) is stored in a multicurrency digital wallet ("Cryptocur... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
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? fiat balance Source and check Source cryptopay.me Wording at the source If the Customer instructs a Cryptocurrency Withdrawal in respect of amounts held other than in the Euro or Pound Sterling Sub-Wallet, a Currency Exchange Transaction must first take place where such a... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies (differs) 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? EUR, GBP Source and check Source cryptopay.me Wording at the source 1. Any Cryptocurrency Withdrawals must take place from the Euro or Pound Sterling Sub-Wallet. 2. If the Customer instructs a Cryptocurrency Withdrawal in respect of amounts held other than in the Eur... 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? personal Source and check Source cryptopay.me Wording at the source As part of your eligibility to use a DiPocket account, you agree and confirm that you are an individual acting solely on your own behalf, in an individual capacity, and you are not acting in a busines... 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 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? DiPocket UAB Source and check Source cryptopay.me Wording at the source The Cryptopay Visa debit card ("Card") is issued by DiPocket UAB ("DiPocket"). 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 unknown unknown
Availability
Available in unknown unknown
Crypto
Supported assets (differs) 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
unknown
Number of supported assets unknown unknown
Top-up networks unknown unknown
Fiat top-up (differs) unknown Yes Source and check Source cryptopay.me Wording at the source If you register as a User, subject to eligibility for the Card type you hold, we offer you several options to top-up the Account and Card, which may include transfers from cards issued to you by other... 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 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? unknown
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? Yes Source and check Source cryptopay.me Wording at the source · you can use it at all locations that display the VISA acceptance mark: for purchases in physical stores – including contactless, and at automated teller machines ("ATM") for cash withdrawals as well... 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? Yes Source and check Source cryptopay.me Wording at the source · you can use it at all locations that display the VISA acceptance mark: for purchases in physical stores – including contactless, and at automated teller machines ("ATM") for cash withdrawals as well... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fees
Virtual card issuance (differs) 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? 2.00 EUR Source and check Source cryptopay.me Wording at the source Fee to buy a virtual card 2 EUR 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 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? unknown
Free cards unknown unknown
Shipping unknown unknown
Monthly fee (differs) 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? 0.00 EUR Source and check Source cryptopay.me Wording at the source Monthly administration fee 0 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 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? unknown
Crypto deposit fee unknown unknown
Crypto conversion fee unknown unknown
Foreign currency fee (differs) 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? 1.95 % Source and check Source cryptopay.me Wording at the source Service charge (commission) for purchases not in currency of the card 1,95% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee (differs) unknown 2.00 EUR Source and check Source cryptopay.me Wording at the source Fee for ATM withdrawal in the currency of the Card. Please note that ATM providers may raise additional charges. 2 EUR Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Declined payment fee unknown unknown
Refund fee unknown unknown
Inactivity fee (differs) 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? 0.00 EUR Source and check Source cryptopay.me Wording at the source Dormancy fee (charged monthly after 1 year of card inactivity) 0 Checked 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 unknown unknown
Card replacement unknown unknown
Rewards
Cashback (differs) 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? unknown
Referral bonus (invited friend) unknown unknown
Referral bonus (you) unknown unknown
Welcome bonus unknown unknown

Highlighted rows differ.

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