Comparison
Bitrefill Card vs. UR 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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ur.app30 Oct 2026
Image source
Source
ur.app
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
UR CardFiat24
In short
- UR Card has the best score (6.9).
| Attribute |
Bitrefill CardBitrefill
|
UR CardFiat24
|
|---|---|---|
| Overview | Requires KYC Private Virtual Physical | Requires KYC Private Virtual |
| Score | average | good |
| CostsWeight 25 % | 4.5 | 8.0 |
| TrustWeight 20 % | 8.2 | 7.7 |
| KYC and privacyWeight 15 % | 6.5 | 6.5 |
| FeaturesWeight 15 % | 7.3 | 7.2 |
| AvailabilityWeight 10 % | 3.8 | not scored |
| RewardsWeight 10 % | 6.2 | not scored |
| CommunityWeight 5 % | 6.3 | 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
The UR Mastercard Debit Card is a virtual multicurrency debit card that allows you to make secure purchases online and in-store using your available balances.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
The UR Mastercard Debit Card is a virtual multicurrency debit card that allows you to make secure purchases online and in-store using your available balances.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
UR Multicurrency Fiat Account provides a convenient way to manage your fiat balances in one account. Every verified user receives a dedicated Swiss IBAN for receiving bank transfers, while support for...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Multicurrency Support | Make purchases using supported fiat currencies from a single debit card, without the need to switch between cards or accounts. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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, HKD, JPY, SGD, USD
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Currency | Deposit | Payout | FX | P2P Transfer | Card Spending | |---|---|---|---|---|---| | Swiss Franc (CHF) | ✓ | ✓ | ✓ | ✓ | ✓ | | Euro (EUR) | ✓ | ✓ | ✓ | ✓ | ✓ | | US Dollar (USD) | ✗ | ✓ | ✓...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
By completing KYC, you'll unlock full access to UR's services, including multi-currency banking and your UR Mastercard Debit Card.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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? |
Fiat24
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
Card means a payment instrument that uses the Mastercard network, issued by Fiat24Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Limits depend on (differs)same for all |
KYC level, plan
bitrefill.com checked 30 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
StarterQuick access to the card and all the features. Limit €10,000monthly limitChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
plan
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Limits | Refresh | Basic | Pro | |---|---|---|---| | Card Spending | Daily | EUR 2,000 | EUR 10,000 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cards per accountsame for all | unknown | |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame for all | unknown | |
| Unknown for all | Available in | |
| 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? |
USDe
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Pay with Digital Assets | Use your available USDe balance to pay for eligible purchases directly with your UR Mastercard Debit Card. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | 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? |
|
| Fiat top-up (differs)same for all |
No
bitrefill.com checked 30 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
You will be able to use your crypto-assets to add funds to your Bitrefill Card account. When sending eligible crypto-assets to your Bitrefill Card account, you consent to them being converted by Light...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Swiss IBAN | Receive a dedicated Swiss IBAN for sending and receiving supported bank transfers. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
Add your card to supported digital wallets, including Apple Pay, Google Pay, and Alipay, for convenient contactless payments.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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? |
|
| Contactlesssame for all |
Yes
bitrefill.com checked 30 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Contactless payments€200Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
Add your card to supported digital wallets, including Apple Pay, Google Pay, and Alipay, for convenient contactless payments.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| 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? |
|
| 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shipping (differs)same for all |
free
bitrefill.com checked 30 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 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
not applicable
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 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? |
|
| Annual feesame for all | unknown | |
| Top-up feesame for all | unknown | |
| Crypto deposit feesame for all | 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? |
|
| Foreign currency feesame for all | unknown |
2 % · 0% with sufficient same-currency balance; 1% settled from another enabled currency or from EUR for an unsupported currency; 2% unsupported currency settled from a non-EUR currency
support.ur.app checked 31 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| FX Fees | Explanations | |---|---| | No Fee | Your purchase is made in a supported currency, and you have a sufficient available balance in that same currency. The payment is deducted directly from...Checked Verified Check overdue · last 31 Oct 2026 Value wrong? History What does [s] mean? |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all |
not published
bitrefill.com checked 30 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Deposit feeEstimated price 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. --- A...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| ATM fee (differs)same 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? |
not applicable
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Transaction feesame for all | unknown | |
| Cross-border feesame for all |
not published
bitrefill.com checked 30 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Deposit feeEstimated price 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. --- A...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Withdrawal feesame for all | unknown | |
| Activation feesame for all |
not published
bitrefill.com checked 30 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Deposit feeEstimated price 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. --- A...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Account closure fee (differs)same for all |
not published
bitrefill.com checked 31 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Deposit feeEstimated price 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. --- A...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
0.00 CHF
docs.fiat24.com checked 31 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Client has the right to terminate the Payment Card Terms and Conditions with immediate effect and free of charge provided that all the obligations arising from the Agreement and the Payment Card T...Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 31 Oct 2026 What does [s] mean? |
| Dispute feesame for all |
not published
bitrefill.com checked 31 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Deposit feeEstimated price 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. --- A...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
not published
support.ur.app checked 31 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
## Multicurrency Fiat Account Fees | Functions | Basic Members | Pro Members | |---|---| | EUR Bank Transfers (Pay In & Pay Out) | Not Available | Free | | CHF Bank Transfers (Pay In & Pay Out) | Not...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Minimum top-upsame for all | unknown | |
| Declined payment feesame for all |
not published
bitrefill.com checked 30 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Deposit feeEstimated price 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. --- A...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Refund feesame for all |
not published
bitrefill.com checked 30 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Deposit feeEstimated price 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. --- A...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| 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? |
|
| Minimum monthly spendsame for all | 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? |
Fiat24 may terminate card services after the card has not been used for operations for 6 consecutive months.
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
6.3.5 the Card has not been used for Operations for 6 consecutive months.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card replacementsame for all |
not published
bitrefill.com checked 30 Oct 2026
Source and check
Source
bitrefill.com
Wording at the source
Deposit feeEstimated price 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. --- A...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Unknown for all | Free cards · Annual fee · Top-up fee · Crypto deposit fee · FX free allowance · Transaction fee · Withdrawal fee · Minimum top-up · Minimum monthly spend | |
| Rewards | ||
| Cashbacksame for all | 1 % (spend from 0/month) · in EUR | |
| Referral bonus (invited friend)same for all | 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? |
|
| Welcome bonussame for all | unknown | |
| Unknown for all | Referral bonus (invited friend) · Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
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