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Comparison

BitPay Card vs. Fiat24 Card: fees, limits & KYC

In short

  • Fiat24 Card has the lowest foreign currency fee (1–2 % · 0 % same-currency balance; 1 % settled from another supported currency; 2 % unsupported currency from another balance).
  • Fiat24 Card has the best score (6.6).
Show

differs best value same for all

Attribute Illustration: BitPay Card BitPay CardBitPay Illustration: Basic Fiat24 CardFiat24
Overview Requires KYC Private Virtual Physical Requires KYC Private Virtual
Score average good
CostsWeight 25 % 4.8 7.0
TrustWeight 20 % 6.9 7.2
KYC and privacyWeight 15 % 6.5 6.5
FeaturesWeight 15 % 8.1 5.4
AvailabilityWeight 10 % 2.4 7.7
RewardsWeight 10 % not scored not scored
CommunityWeight 5 % 3.1 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
  • Top-up per transaction: 50,000 USD
  • Spending per day (virtual card): 2,000 EUR
  • Spending per month (virtual card): 5,000 EUR
Basics
Card form (differs) prepaid bitpay.com checked 29 Oct 2026
debit docs.fiat24.com checked 30 Oct 2026
Card types (differs) virtual, physical bitpay.com checked 29 Oct 2026
virtual docs.fiat24.com checked 30 Oct 2026
Card networksame for all Mastercard bitpay.com checked 29 Oct 2026
Mastercard docs.fiat24.com checked 30 Oct 2026
Custodysame for all self-custody bitpay.com checked 31 Oct 2026
self-custody docs.fiat24.com checked 29 Oct 2026
Funding modelsame for all fiat balance bitpay.com checked 29 Oct 2026
fiat balance docs.fiat24.com checked 29 Oct 2026
Card currencies (differs) USD bitpay.com checked 29 Oct 2026
CHF, CNY, EUR, USD docs.fiat24.com checked 30 Oct 2026
Usagesame for all personal bitpay.com checked 29 Oct 2026
personal docs.fiat24.com checked 30 Oct 2026
Issuer / BIN sponsor (differs) Metropolitan Commercial Bank bitpay.com checked 29 Oct 2026
SR Saphirstein AG docs.fiat24.com checked 30 Oct 2026
Limits depend on unknown
account tier docs.fiat24.com checked 30 Oct 2026
Cards per account 1 bitpay.com checked 29 Oct 2026
unknown
Availability
Available in unknown
Available in 60 countries and regions info.fiat24.com checked 30 Oct 2026
Crypto
Supported assets (differs) BTC, ETH, USDC, DOGE, LTC, DAI, BCH, MATIC, SHIB, WBTC, APE, USDP bitpay.com checked 29 Oct 2026
+ 3 more BTCETHUSDCDOGELTCDAIBCHMATICSHIBWBTCAPEUSDPGUSDBUSDEUROC
USDC docs.fiat24.com checked 29 Oct 2026
Number of supported assets unknown
unknown
Top-up networks (differs) Polygon bitpay.com checked 30 Oct 2026
Arbitrum fiat24.com checked 30 Oct 2026
Fiat top-upsame for all Yes bitpay.com checked 30 Oct 2026
Yes docs.fiat24.com checked 29 Oct 2026
Unknown for allNumber of supported assets
Payments
Mobile wallets (differs) Apple Pay bitpay.com checked 29 Oct 2026
Apple Pay Google Pay Samsung Pay docs.fiat24.com checked 30 Oct 2026
ATM withdrawals (differs) Yes bitpay.com checked 29 Oct 2026
No support.ur.app checked 30 Oct 2026
Contactlesssame for all Yes bitpay.com checked 29 Oct 2026
Yes docs.fiat24.com checked 30 Oct 2026
Fees
Virtual card issuance 0.00 USD bitpay.com checked 29 Oct 2026
unknown
Physical card issuance (differs) 0.00 USD bitpay.com checked 30 Oct 2026
not applicable docs.fiat24.com checked 30 Oct 2026
Free cards unknown
unknown
Shipping (differs) not published bitpay.com checked 30 Oct 2026
not applicable docs.fiat24.com checked 30 Oct 2026
Monthly fee 0.00 USD bitpay.com checked 29 Oct 2026
unknown
Annual fee not published bitpay.com checked 30 Oct 2026
unknown
Top-up fee free bitpay.com checked 29 Oct 2026
unknown
Crypto deposit fee unknown
unknown
Crypto conversion feesame for all not published bitpay.com checked 30 Oct 2026
not published support.ur.app checked 30 Oct 2026
Foreign currency fee (differs) 3 % bitpay.com checked 29 Oct 2026
1–2 % · 0 % same-currency balance; 1 % settled from another supported currency; 2 % unsupported currency from another balance support.ur.app checked 30 Oct 2026
FX free allowance unknown
unknown
Minimum FX fee unknown
not published support.ur.app checked 30 Oct 2026
ATM fee unknown
unknown
Transaction fee (differs) free bitpay.com checked 29 Oct 2026
free (When the card is used in a Digital Wallet; the Digital Wallet provider may charge its own fees.) docs.fiat24.com checked 30 Oct 2026
Cross-border fee unknown
unknown
Withdrawal fee unknown
unknown
Activation fee 0.00 USD bitpay.com checked 29 Oct 2026
unknown
Account closure feesame for all 0.00 USD bitpay.com checked 31 Oct 2026
0.00 CHF docs.fiat24.com checked 31 Oct 2026
Dispute feesame for all not published bitpay.com checked 31 Oct 2026
not published docs.fiat24.com checked 31 Oct 2026
Minimum top-up not published bitpay.com checked 30 Oct 2026
unknown
Declined payment fee 0.00 USD bitpay.com checked 29 Oct 2026
unknown
Refund fee unknown
unknown
Inactivity fee 5.00 USD bitpay.com checked 29 Oct 2026
unknown
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
A card that has not been used in the 6 months before its expiration will not be renewed. docs.fiat24.com checked 30 Oct 2026
Card replacement unknown
unknown
Unknown for allFree cards · Crypto deposit fee · FX free allowance · ATM fee · Cross-border fee · Withdrawal fee · Refund fee · Minimum monthly spend · Card replacement
Rewards
Cashback only in the app bitpay.com checked 29 Oct 2026
unknown
Referral bonus (invited friend) only in the app bitpay.com checked 30 Oct 2026
unknown
Referral bonus (you) only in the app bitpay.com checked 30 Oct 2026
unknown
Welcome bonus unknown
unknown
Unknown for allWelcome bonus

Values of the chosen variant; without a choice the entry variant (first in the provider's order).

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