Comparison
Bitrefill Card vs. Tap 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
Tap CardTap
In short
- Tap Card has the best score (67.4).
| Attribute |
Bitrefill CardBitrefill
|
Tap CardTap
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical | Requires KYC Private Virtual Physical |
| Score | average | good |
| CostsWeight 25 % | 70 | 96 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 82 | 100 |
| AvailabilityWeight 10 % | 22 | 23 |
| RewardsWeight 10 % | 40 | 58 |
| TrustWeight 10 % | 70 | 80 |
| 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
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Wenn Sie eine berechtigte Zahlung mit Ihrer Debitkarte tätigen, erhalten Sie einen Prozentsatz Ihrer Ausgaben zurück auf Ihr Konto.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card typessame 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, physical
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
### Tap Card Physische und virtuelle Karten für alle Ihre Ausgaben.Checked Verified Check overdue · last 29 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
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Mastercard Is A Registered Trademark And The Circles Design Is A Trademark Of Mastercard International Incorporated. Cards Issued By Transact Payments Limited Pursuant To Licence By Mastercard Interna...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custodysame 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? |
custodial
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Tap ist keine Bank. Tap ist eine lizenzierte und regulierte Fintech-Plattform, die viele vergleichbare Leistungen bietet — Fiat-Zahlungskonten, internationale Überweisungen und Multiwährungs-IBANs — p...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
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Pay worldwide wherever Mastercard is accepted. Use the currency of your choice to load up your card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currenciessame 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? |
Standard:
unknown
1 more country/regionGermany: EUR withtap.com checked 29 Oct 2026 Source and check Source withtap.com Wording at the sourceBis zu 8 % Cashback in Deutschland. Hohe Limits. Weltweit zahlen in EUR.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 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
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Privat ## Funktionen Alles, was Sie brauchen, um Ihr Geld zu verwalten, zu vermehren und auszugeben.Checked Verified Check overdue · last 29 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? |
Transact Payments Limited
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Cards Issued By Transact Payments Limited Pursuant To Licence By Mastercard International Incorporated. Transact Payments Limited Is Authorised And Regulated By The Gibraltar Financial Services Commis...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend onsame for all | unknown | unknown |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Limits depend on · Cards per account | |
| Availability | ||
| Available insame for all | unknown | unknown |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assetssame 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? |
Standard:
unknown
1 more country/regionEEA: not applicable terms.withtap.com checked 30 Oct 2026 Source and check Source terms.withtap.com Wording at the source5.2 To load your TAP Card by debit card, you must use a debit card that has been issued by a regulated financial institution in the EEA and registered in the same name and address as your TAP account....Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networkssame 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? |
unknown |
| Fiat top-upsame for all | unknown |
Yes
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
Lade die Tap-App für iOS oder Android herunter. Verifiziere deine Identität und lade dein Konto per Banküberweisung oder Karte auf.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 walletssame 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? |
unknown |
| 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? |
Yes
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
| ATM Per Transaction Limit | €300 | | ATM Transactions Per Month | €4,000 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| 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? |
0.00 GBP
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
| TAP Virtual Card | Free |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| 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? |
12.99 GBP
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
| TAP Physical Card | £12.99 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all | unknown | unknown |
| 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? |
Standard:
unknown
1 more country/regionGermany: 0.00 EUR withtap.com checked 29 Oct 2026 Source and check Source withtap.com Wording at the sourceDas Tap-Geldkonto ist darauf ausgelegt, die Dinge einfach zu halten. Keine monatlichen Gebühren. Kein Mindestguthaben.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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 fee (differs)same 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? |
3.00 GBP
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
| Monthly inactivity fee (after no use for 12 months) § | £3.00 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| 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 monthly inactivity fee is charged if there has been no load onto the Tap Card and no card transaction for 12 months.
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
§ Inactivity fee will be charged if there has been no Load onto the TAP Card or no Transaction made using the TAP Card for a period of 12 months.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card replacementsame for all | unknown |
4.99 GBP
terms.withtap.com checked 30 Oct 2026
Source and check
Source
terms.withtap.com
Wording at the source
| Card Replacement Fee (where card is lost, stolen, misappropriated, subjected to unauthorised use) | £4.99 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | Free cards · Shipping · 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 | |
| Rewards | ||
| Cashback (differs)same for all | 1 % (spend from 0/month) · in EUR |
0.5–8 %
withtap.com checked 29 Oct 2026
Source and check
Source
withtap.com
Wording at the source
8%Bis zu Cashback auf jeden qualifizierten EinkaufChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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 · Tap Card: promotions and bonuses as well as warnings and incidents.