Comparison
Bitrefill Card vs. Fiat24 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
Bitrefill CardBitrefill
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Fiat24 CardFiat24
In short
- Fiat24 Card has the best score (63.16).
| Attribute |
Bitrefill CardBitrefill
|
Fiat24 CardFiat24
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical | Requires KYC Private Virtual |
| Score | average | average |
| CostsWeight 25 % | 70 | 100 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 82 | 55 |
| AvailabilityWeight 10 % | 22 | 45 |
| RewardsWeight 10 % | 40 | not scored |
| TrustWeight 10 % | 70 | 83 |
| 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 (differs)same for all |
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? |
debit
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Fiat24 Card is a MasterCard Debit card that you can top up through the Fiat24 dApp.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
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? |
virtual
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Fiat24 Debit Card is a virtual card only without PIN.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs)same for all |
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? |
Mastercard
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Fiat24 Card is a MasterCard Debit card that you can top up through the Fiat24 dApp.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody (differs)same for all |
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? |
self-custody
docs.fiat24.com checked 29 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
You are responsible for your own Fiat24 Account Token and Fiat24 Cash Tokens, which are not safe kept in our Fiat24 Web-App or Website. Please refer the security guide of your own Ethereum wallet wher...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
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? |
fiat balance
docs.fiat24.com checked 29 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
Fiat24 offers its Live account-holders the possibility of topping up their account using cryptocurrencies converted into fiat currency.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
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? |
CHF, CNY, EUR, USD
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Fiat24 Card is a MasterCard Debit card that you can top up through the Fiat24 dApp. The card is issued to you in multiple currencies (EUR, USD, CHF and RMB) and your card balances will be shown in...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Usagesame for all |
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? |
personal
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
Fiat24 is your all-in-one solution for seamless daily payments and spending.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs)same for all |
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? |
SR Saphirstein AG
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
SR Saphirstein AG, based in Switzerland, owns the Fiat24 brand and serves as the principal issuer of MasterCard. The first 8 digits of the Fiat24 card, known as the BIN, are 5481 0849.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend onsame for all | unknown |
account tier
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The transaction limit varies depending on the length of the NFT.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame for all | unknown |
Available in 60 countries and regions
info.fiat24.com checked 30 Oct 2026
Source and check
Source
info.fiat24.com
Wording at the source
Countries with a monthly transaction limit of $30,000 Australia (AUS) Austria (AUT) Belgium (BEL) Canada (CAN) Cyprus (CYP) Czech Republic (CZE) Denmark (DNK) Estonia (EST) Faroe Islands (FRO...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs)same for all |
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? |
USDC
docs.fiat24.com checked 29 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
Since USDC is the only cryptocurrency accepted by Fiat24 — a strict legal requirement that cannot be violated — it is therefore critical to ensure that the new blockchain has sufficient USDC circulati...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networks (differs)same for all |
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? |
Arbitrum
fiat24.com checked 30 Oct 2026
Source and check
Source
fiat24.com
Wording at the source
Please make sure your wallet has been connected to Ethereum Arbitrum network.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all | unknown |
Yes
docs.fiat24.com checked 29 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
Your Fiat24 Account allows you to top-up your cash account with a bank wire transfer.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile wallets (differs)same for all |
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? |
Apple Pay
Google Pay
Samsung Pay
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
We support Apple Pay, Google Pay, Samsung Pay and most other digital wallet.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
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? |
unknown |
| Contactlesssame for all | unknown | unknown |
| Unknown for all | Contactless | |
| Fees | ||
| Virtual card issuancesame for all |
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? |
unknown |
| Physical card issuance (differs)same for all |
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? |
not applicable
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Fiat24 Debit Card is a virtual card only without PIN.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all | unknown |
not applicable
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Fiat24 Debit Card is a virtual card only without PIN.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Monthly feesame for all |
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? |
unknown |
| Annual feesame for all | unknown | unknown |
| Top-up feesame for all | unknown | unknown |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion feesame for all |
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? |
unknown |
| Foreign currency feesame for all | unknown | unknown |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all |
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? |
unknown |
| Transaction feesame for all | unknown | unknown |
| Cross-border feesame for all | unknown | unknown |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all | unknown | unknown |
| Minimum top-upsame for all | unknown | unknown |
| Declined payment feesame for all | unknown | unknown |
| Refund feesame for all | unknown | unknown |
| Inactivity feesame for all |
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? |
unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rule (differs)same for all |
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? |
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
Source and check
Source
docs.fiat24.com
Wording at the source
All MasterCard card is valid for 5 years. Your card will automatically be renewed under the same terms. However, if your card has not been used in the 6 months before its' expiration, your card will n...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card replacementsame for all | unknown | unknown |
| Unknown for all | Free cards · Annual fee · Top-up fee · Crypto deposit fee · Foreign currency fee · FX free allowance · Minimum FX fee · Transaction fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Minimum monthly spend · Card replacement | |
| Rewards | ||
| Cashbacksame for all | 1 % (spend from 0/month) · in EUR | unknown |
| Referral bonus (invited friend)same for all | unknown | unknown |
| Referral bonus (you)same for all |
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? |
unknown |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Referral bonus (invited friend) · Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at Bitrefill Card · Fiat24 Card: promotions and bonuses as well as warnings and incidents.