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Comparison

Bitstack Card vs. Halocard compared

  • Image source Source bitstack-app.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. Bitstack CardBitstack
  • Image source Source halocard.co Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. HalocardHalocard

In short

  • Bitstack Card has the lowest foreign currency fee (1 %).
  • Halocard has the higher score (61.25).
Attribute Bitstack CardBitstack Requires KYC Private Physical HalocardHalocard Requires KYC Private & business Virtual Physical
Score average average
CostsWeight 25 % 91 70
KYC and privacyWeight 20 % 35 35
FeaturesWeight 15 % 72 93
AvailabilityWeight 10 % 0 not scored
RewardsWeight 10 % 27 not scored
TrustWeight 10 % 77 78
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC: ID document
Limits (entry level)
  • Spending per month: 5,000 EUR
  • ATM per week: 200 EUR
  • ATM per month: 1,000 EUR
  • Spending per day: 1,000,000 USD
  • ATM per transaction: 250 USD
  • ATM per 24 hours (number): 3×
Basics
Card form (differs)
debit Source and check Source help.bitstack-app.com Wording at the source La carte Bitstack est une carte de débit. Chaque paiement est débité directement sur votre compte euro : vous ne pouvez dépenser que les fonds disponibles sur votre compte. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
credit Source and check Source halocard.co Wording at the source Yes. Halocard issues Visa credit cards rather than debit cards, for higher acceptance, and doesn't require linking your bank account through Plaid. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card types (differs)
physical Source and check Source bitstack-app.com Wording at the source - Use it as a physical card or from your Apple Pay or Google Pay wallet. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
virtual, physical Source and check Source halocard.co Wording at the source | Plans | Virtual Cards | Extra Cards (Annual Plans) | Single-use Cards (Annual Plans) | Physical Cards (Annual Plans) | Price | Initial Deposit | |---|---|---|---|---|---|---| | Essential+ | 3 total... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card network
Visa Source and check Source bitstack-app.com Wording at the source Use your Bitstack Card anywhere Visa is accepted, online, in store or with Apple or Google Pay. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Visa Source and check Source halocard.co Wording at the source Every Halocard starts as a virtual card: a full Visa number, expiry and CVC, issued in seconds and ready to use online straight away. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Custody
custodial Source and check Source bitstack-app.com Wording at the source providing custody and administration of crypto-assets on behalf of clients Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
custodial Source and check Source halocard.co Wording at the source You fund the account, not the card. Every Halocard draws on one balance, so there is no moving money between cards to cover a charge. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Funding model
fiat balance Source and check Source bitstack-app.com Wording at the source Euro account€1,000 available Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
fiat balance Source and check Source halocard.co Wording at the source Fund your balance with stablecoins (USDC, USDT) or with BTC, ETH and SOL, converted to your USD balance on arrival. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card currencies (differs)
EUR Source and check Source bitstack-app.com Wording at the source Get a French IBAN, send or receive money instantly, and manage your euros alongside your Bitcoin. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
USD Source and check Source halocard.co Wording at the source Halocards are held in US Dollars. Pay in another currency and Visa converts at its rate on the day, with Halocard's conversion fee on top. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Usage (differs)
personal Source and check Source help.bitstack-app.com Wording at the source - Pay for everyday purchases with the Bitstack card: every payment made with the card is debited directly from your cash account. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
personal, business Source and check Source halocard.co Wording at the source Our Services include web-based and mobile applications for card and account management, tools for creating consumer and commercial virtual and physical cards, and virtual account services provided thr... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs)
unknown
Third National Source and check Source halocard.co Wording at the source Halocard is a financial technology company, not a bank. Card issuance is provided by Third National, a Non-Bank Principal Member of the Visa Network. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on (differs)
unknown
user setting Source and check Source halocard.co Wording at the source Give a card a daily, weekly or monthly limit and it declines anything above it. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Cards per account
unknown
unknown
Availability
Available in
unknown
unknown
Crypto
Supported assets (differs)
BTC Source and check Source bitstack-app.com Wording at the source Buy and sell Bitcoin instantly from your Bitstack account, without going through an external account. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
BTC, ETH, USDT, USDC, SOL Source and check Source halocard.co Wording at the source | Stablecoins: USDT, USDC | Free | Instant | Transfer to a unique address on Arbitrum, Avalanche, Base, Optimism, Polygon, BSC or the Solana network | | Major Tokens: SOL, ETH, BTC | 1% | 1 - 60 mins... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Number of supported assets
unknown
unknown
Top-up networks (differs)
unknown
BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche Source and check Source halocard.co Wording at the source | Stablecoins: USDT, USDC | Free | Instant | Transfer to a unique address on Arbitrum, Avalanche, Base, Optimism, Polygon, BSC or the Solana network | Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fiat top-up (differs)
unknown
Yes Source and check Source halocard.co Wording at the source | BANK TRANSFER | | | | |---|---|---|---| | ACH Transfer: USD | Free | 0 - 3 days | Pay via standard or same-day ACH directly to your Halocard-provided bank account. | Checked 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 Source and check Source bitstack-app.com Wording at the source Use your Bitstack Card anywhere Visa is accepted, online, in store or with Apple or Google Pay. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Apple Pay Google Pay Source and check Source halocard.co Wording at the source Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
ATM withdrawals
Yes Source and check Source help.bitstack-app.com Wording at the source You can use your Bitstack card: - In store - Online - At ATMs Anywhere Visa is accepted, in France and abroad. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Yes Source and check Source halocard.co Wording at the source Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Contactless
Yes Source and check Source help.bitstack-app.com Wording at the source To enable contactless payment, you need to make one physical transaction using your card PIN. Make sure your Bitstack cash account is funded beforehand. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Yes Source and check Source halocard.co Wording at the source Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees
Virtual card issuance (differs)
not applicable Source and check Source help.bitstack-app.com Wording at the source A virtual card is a feature we plan to offer in the near future to complement the card experience. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Physical card issuance (differs)
9.99 EUR Source and check Source bitstack-app.com Wording at the source Bitstack Card*Only available in France €9.99(+ delivery fee) €9.99, free delivery(Free on the annual plan) Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Free cards
unknown
unknown
Shipping (differs)
not published Source and check Source help.bitstack-app.com Wording at the source The Bitstack card is available as a physical card, delivered to your address. Ordering a card is a paid service: €9.99, plus variable delivery fees depending on your address. Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Monthly fee (differs)
0.00 EUR/month or 0.00 EUR/year Source and check Source bitstack-app.com Wording at the source Standard Free/ Default plan Plus €2.99/ Month, cancel anytime Subscription (in euros) €0 / month €2.99 / month · €29.99 / year Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Annual fee (differs)
0.00 EUR/month or 0.00 EUR/year Source and check Source bitstack-app.com Wording at the source Standard Free/ Default plan Plus €2.99/ Month, cancel anytime Subscription (in euros) €0 / month €2.99 / month · €29.99 / year Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Top-up fee
unknown
unknown
Crypto deposit fee
unknown
unknown
Crypto conversion fee
unknown
unknown
Foreign currency fee (differs)
1 % Source and check Source help.bitstack-app.com Wording at the source | Standard | Jusqu'à 1 000 € par mois | ~1 % sur la partie dépassant l'allocation | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1.5 % Source and check Source halocard.co Wording at the source Purchases in any currency other than USD carry a 1.5% fee. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
FX free allowance (differs)
1,000.00 EUR Source and check Source help.bitstack-app.com Wording at the source | Fee-free international payments | Up to €1,000/month | Up to €3,000/month | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Minimum FX fee
unknown
unknown
ATM fee (differs)
5 or 200.00 EUR free, whichever comes first per calendar month, then 1 % (min. 1.00 EUR) Source and check Source help.bitstack-app.com Wording at the source Les retraits aux distributeurs sont inclus chaque mois dans ces limites : - Jusqu'à 200 € par mois ou 5 retraits (selon la première limite atteinte) : aucun frais Bitstack. - Au-delà de ces limites :... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
1.5 % + 1.00 USD Source and check Source halocard.co Wording at the source | ATM Withdrawal | 1.5% + $1.00 | Applicable when withdrawing cash from an ATM, where ATM access is enabled. The ATM operator may also charge a separate fee. There is a limit of 3 ATM withdrawals ever... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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
unknown
unknown
Minimum monthly spend
unknown
unknown
Inactivity rule
unknown
unknown
Card replacement
unknown
unknown
Rewards
Cashback (differs)
0.1–1.5 % Source and check Source help.bitstack-app.com Wording at the source With Bitstack Plus, your Stackback starts at 0.15% and can go up to 1.5%. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
unknown
Referral bonus (invited friend)
unknown
unknown
Referral bonus (you)
unknown
unknown
Welcome bonus
unknown
unknown

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