Comparison
Bitsa Card vs. Xkard 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
Bitsa CardBitsa
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Xkard CardXkard
In short
- Bitsa Card has the lowest monthly fee (unknown).
- Xkard Card has the higher score (64.34).
| Attribute |
Bitsa CardBitsa
Requires KYC
Private
Virtual
Physical
|
Xkard CardXkard
KYC unknown
Virtual
Physical
|
|---|---|---|
| Score | average | average with variant Premium: 64.09 with variant Whale: 64.84 |
| CostsWeight 25 % | 92 | 77 |
| KYC and privacyWeight 20 % | 18 | not scored |
| FeaturesWeight 15 % | 100 | 83 |
| AvailabilityWeight 10 % | 22 | not scored |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 88 | 77 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID + proof of address | KYC unknown |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
prepaid
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
Bitsa Card is a prepaid Visa crypto card for people who want to spend cryptocurrency as euros in physical and online stores.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
prepaid
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
XHYPE cards are prepaid: you top up the card and spend the balance you've loaded. The balance is in the currency that corresponds to each card, so it depends on the card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs) |
virtual, physical
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
The service combines crypto top-ups, euro balances, physical and virtual cards, and everyday card payments in one mobile app.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Essential: 1 virtual card, $10/year, 2.1% top-up fee, $50,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Premium: 1 virtual + 1 physical, $58 (1 year) or $118 (3 years), 1.8% top-up fee, $250,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Whale: 2 virtual + 1 physical, $70 (1 year) or $148 (3 years), 1.2% top-up fee, $1,000,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
Visa
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
Bitsa Card is a prepaid Visa crypto card for people who want to spend cryptocurrency as euros in physical and online stores.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Custody |
custodial
soporte.bitsacard.com checked 28 Oct 2026
Source and check
Source
soporte.bitsacard.com
Wording at the source
The issuing bank of your Bitsa card is Pecunia Cards E.D.E. S.L., an Electronic Money Institution recognized and supervised by the Bank of Spain, ensuring the custody and security of your funds at all...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
XHYPE does not custody the assets in your self-custodial wallet. Card balances are held by the independent card issuer, not in your wallet.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model (differs) |
fiat balance
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
Laden Sie Ihre Bitsa mit Bitcoin, Ethereum und anderen Kryptowährungen auf. Wandeln Sie sie sofort über eine einzige App in Euro um.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Card currencies (differs) |
EUR
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
The service combines crypto top-ups, euro balances, physical and virtual cards, and everyday card payments in one mobile app.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Usage (differs) |
personal
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
Bitsa Card is a prepaid Visa crypto card for people who want to spend cryptocurrency as euros in physical and online stores.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Issuer / BIN sponsor (differs) |
Pecunia Cards E.D.E. S.L.
soporte.bitsacard.com checked 28 Oct 2026
Source and check
Source
soporte.bitsacard.com
Wording at the source
The issuing bank of your Bitsa card is Pecunia Cards E.D.E. S.L., an Electronic Money Institution recognized and supervised by the Bank of Spain, ensuring the custody and security of your funds at all...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Limits depend on |
plan
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
### free ### move ### pro Plan price €0 €0.99/month · €8.99/year €9.99/month · €69.99/year ### Cards Virtual Card 1 2 4 Physical Card 1 2 4 Independent Balance Maximum Balance 2.500€...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
plan
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Each plan has an annual limit: Essential $50,000, Premium $250,000 and Whale $1,000,000.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per account | ||
| Availability | ||
| Available in (differs) |
Available in 29 countries and regions
soporte.bitsacard.com checked 29 Oct 2026
Source and check
Source
soporte.bitsacard.com
Wording at the source
Spain, Austria, Belgium, Bulgaria, Croatia, Denmark, Slovakia, Slovenia, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malt...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Crypto | ||
| Supported assets (differs) |
BTC, ETH, DAI, SOL, XRP, ADA, DOGE, TRX, LTC, DOT, AVAX, MATIC, LINK, SHIB
bitsacard.com checked 28 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
Ripple XRP Bitcoin BTC Ethereum ETH Litecoin LTC Tron TRX Dai DAI Cardano ADA Solana SOL Basic Attention Token BAT Dogecoin DOGE Polkadot DOT Avalanche AVAX Shiba Inu SHIB Polygon MATIC...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Number of supported assets | ||
| Top-up networks (differs) |
Ethereum, BNB Smart Chain, Polygon, Arbitrum, Base
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Top up with USDT, USDC or the network's native coin on BNB Smart Chain, Ethereum, Base, Polygon and Arbitrum.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Fiat top-up (differs) |
Yes
bitsacard.com checked 28 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
We offer various methods for topping up your BITSA® card. You can choose from: 1. Debit or credit card. 2. Crypto assets 3. Bank transfer 4. VoucherChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Payments | ||
| Mobile wallets |
Apple Pay
Google Pay
bitsacard.com checked 28 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
Users can top up with Bitcoin, Ethereum, and other supported cryptoassets, as well as with a bank transfer, payment card, wallet, or Bitsa Voucher. Each account includes a European IBAN for incoming t...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
All XHYPE cards, virtual and physical, work with Apple Pay and Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs) |
Yes
bitsacard.com checked 28 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
ATM You can withdraw cash from any ATM using your BITSA® card.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Yes. Premium and Whale include a physical XHYPE card that also works at ATMs: up to $1,500 per transaction and per day, 30 operations per day and $15,000 per month.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Yes
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Yes. Premium and Whale include a physical XHYPE card that also works at ATMs: up to $1,500 per transaction and per day, 30 operations per day and $15,000 per month.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
Yes
bitsacard.com checked 28 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
Bitsa Secure Cashout Contactless IBAN Top up with crypto or however you wantChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
All XHYPE cards, virtual and physical, work with Apple Pay and Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
2.50 EUR
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
Each card is subject to an associated cost. Physical cards cost €20, while virtual cards cost €2.50.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Physical card issuance (differs) |
20.00 EUR
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
Each card is subject to an associated cost. Physical cards cost €20, while virtual cards cost €2.50.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Free cards | ||
| Shipping | ||
| Monthly fee (differs) |
0.00 EUR/month or 0.00 EUR/year
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
### free ### move ### pro Plan price €0 €0.99/month · €8.99/year €9.99/month · €69.99/yearChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
0.99 EUR/month or 8.99 EUR/year
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
### free ### move ### pro Plan price €0 €0.99/month · €8.99/year €9.99/month · €69.99/yearChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
9.99 EUR/month or 69.99 EUR/year
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
### free ### move ### pro Plan price €0 €0.99/month · €8.99/year €9.99/month · €69.99/yearChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean? |
|
| Annual fee (differs) |
0.00 EUR/month or 0.00 EUR/year
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
### free ### move ### pro Plan price €0 €0.99/month · €8.99/year €9.99/month · €69.99/yearChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
0.99 EUR/month or 8.99 EUR/year
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
### free ### move ### pro Plan price €0 €0.99/month · €8.99/year €9.99/month · €69.99/yearChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean?
9.99 EUR/month or 69.99 EUR/year
bitsacard.com checked 29 Oct 2026
Source and check
Source
bitsacard.com
Wording at the source
### free ### move ### pro Plan price €0 €0.99/month · €8.99/year €9.99/month · €69.99/yearChecked Verified Check overdue · last 29 Oct 2026 Add this value? What does [s] mean? |
10.00 USD
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Essential: 1 virtual card, $10/year, 2.1% top-up fee, $50,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
58.00 USD
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Premium: 1 virtual + 1 physical, $58 (1 year) or $118 (3 years), 1.8% top-up fee, $250,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
70.00 USD
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Whale: 2 virtual + 1 physical, $70 (1 year) or $148 (3 years), 1.2% top-up fee, $1,000,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee (differs) |
2.1 %
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Essential: 1 virtual card, $10/year, 2.1% top-up fee, $50,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1.8 %
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Premium: 1 virtual + 1 physical, $58 (1 year) or $118 (3 years), 1.8% top-up fee, $250,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1.2 %
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
Whale: 2 virtual + 1 physical, $70 (1 year) or $148 (3 years), 1.2% top-up fee, $1,000,000 annual limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Crypto deposit fee | ||
| Crypto conversion fee | ||
| Foreign currency fee | ||
| FX free allowance | ||
| Minimum FX fee | ||
| ATM fee | ||
| Transaction fee | ||
| Cross-border fee | ||
| Withdrawal fee | ||
| Activation fee | ||
| Minimum top-up | ||
| Declined payment fee | ||
| Refund fee | ||
| Inactivity fee | ||
| Minimum monthly spend | ||
| Inactivity rule | ||
| Card replacement | ||
| Rewards | ||
| Cashback (differs) | ||
| Referral bonus (invited friend) (differs) |
only in the app
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
XHYPE's referral programme is active. You'll find it in the Referral section of XHYPE Superwallet.Checked Verified Add this value? No earlier versions What does [s] mean? |
|
| Referral bonus (you) (differs) |
only in the app
xkard.io checked 29 Oct 2026
Source and check
Source
xkard.io
Wording at the source
XHYPE's referral programme is active. You'll find it in the Referral section of XHYPE Superwallet.Checked Verified Add this value? No earlier versions What does [s] mean? |
|
| Welcome bonus | ||
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Bitsa Card · Xkard Card: promotions and bonuses as well as warnings and incidents.