Comparison
Bitrefill Card vs. Zypto 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
Zypto CardZypto
In short
- Bitrefill Card ask for the least (ID document).
- Zypto Card has the higher score (65.79).
| Attribute |
Bitrefill CardBitrefill
Requires KYC
Private
Virtual
Physical
|
Zypto CardZypto
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | average | good |
| CostsWeight 25 % | 70 | 67 |
| KYC and privacyWeight 20 % | 35 | 18 |
| FeaturesWeight 15 % | 82 | 88 |
| AvailabilityWeight 10 % | 22 | 97 |
| RewardsWeight 10 % | 40 | 100 |
| TrustWeight 10 % | 70 | 76 |
| CommunityWeight 10 % | not scored | not scored |
| Nationality | Not for nationals of: United States, Russia | – |
| KYC | KYC: ID document | KYC: ID + proof of address |
| Limits (entry level) | Starter
|
|
| Basics | ||
| Card form |
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? |
prepaid
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
The Zypto Premium VISA Card is a prepaid card: you load it from your crypto in Zypto App before you spend, and you spend the balance you loaded.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types |
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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Get your card. Load your crypto. Hit the real world. The Zypto Premium VISA Card comes physical and virtual, loads with 100+ cryptocurrencies, and lets you use your crypto for real-world spending wher...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network |
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? |
Visa
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Yes. It is a real Visa card you load with crypto in advance and spend as local currency wherever Visa is accepted, in-store, online, at ATMs and via Apple Pay and Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Upon load. Your crypto converts to local currency when you load the card in Zypto App, on your timing, not at the checkout. The balance you load is what you spend.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Your crypto converts to local currency when you load the card, on your timing, upon load, not at the checkout. Top up in Zypto App, then use your card wherever Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
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? |
USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical and Virtual: 1.75% on non-USD transactionsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage |
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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- You will use the Zypto Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
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? |
Third National
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.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, 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? |
BTC, ETH, USDC, SOL
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets (differs) | unknown |
100
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up networks (differs) |
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-up | unknown | unknown |
| Payments | ||
| Mobile wallets (differs) |
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
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
Premium cards are available as both virtual and physical, and share the same features: 3D Secure, mobile wallet support (Apple Pay, Google Pay, Samsung Pay), full in-app management, and Visa Signature...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals |
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
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical: minimum $10.00 per withdrawal, maximum $250 per withdrawal - Physical: maximum $750 per day, 3 withdrawals per day - Physical: maximum $22,500 per month, 90 withdrawals per month - Virtual...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless (differs) | unknown |
Yes
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
- Your physical card ships within 1 business day, giving you full ATM access and in-store tap-to-pay on top of everything the virtual card offers.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 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 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Acquisition fee - Physical: not applicable - Virtual: $0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) |
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? |
50.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Card cost - Physical: $50.00, includes activation and shipping - Virtual: not applicableChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee (differs) |
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 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Monthly fee - Physical and Virtual: $0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee (differs) | unknown |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
| Annual Fees | 0$ |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee (differs) | unknown |
3 %
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
| Card load fee | 3% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) |
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? |
3 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Crypto conversion fee - Physical and Virtual: 3%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs) | unknown |
1.75 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### FX fee - Physical and Virtual: 1.75% on non-USD transactionsChecked 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) |
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? |
1 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### ATM withdrawal fee - Physical: 1% - Virtual: not applicable, the Virtual card does not support ATM withdrawalChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee (differs) |
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 spend | unknown | unknown |
| Inactivity rule (differs) |
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? |
unknown |
| Card replacement | unknown | unknown |
| Rewards | ||
| Cashback (differs) | 1 % (spend from 0/month) · in EUR |
only in the app
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Multiplier amounts and the perks each level unlocks are shown under Perks in the app, and can change over time.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) (differs) | unknown |
5 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
When someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs) |
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? |
5 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
When someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Bitrefill Card · Zypto Card: promotions and bonuses as well as warnings and incidents.