# Bitstack Card vs. UR Card: fees, limits & KYC

- Bitstack Card has the lowest foreign currency fee (1 % · Approximately 1% applies only to the amount exceeding the €1,000 monthly free FX allowance.).
- UR Card has the best score (6.9).

Entry variant: Bitstack Card: Standard · UR Card: Basic.

## Basics

|  | Bitstack Card | UR Card |
| --- | --- | --- |
| Card form | debit | debit |
| **Card types** | physical | virtual |
| **Card network** | Visa | Mastercard |
| Custody | custodial | custodial |
| Funding model | fiat balance | fiat balance |
| **Card currencies** | EUR | CHF, CNY, EUR, HKD, JPY, SGD, USD |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | Xpollens | Fiat24 |
| Limits depend on | unknown | plan |
| Cards per account | unknown | unknown |

## Availability

|  | Bitstack Card | UR Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | Bitstack Card | UR Card |
| --- | --- | --- |
| **Supported assets** | BTC | USDe |
| Number of supported assets | unknown | unknown |
| Top-up networks | Bitcoin | unknown |
| Fiat top-up | Yes | Yes |

## Payments

|  | Bitstack Card | UR Card |
| --- | --- | --- |
| Mobile wallets | Apple Pay, Google Pay | Apple Pay, Google Pay |
| ATM withdrawals | Yes | unknown |
| Contactless | Yes | Yes |

## Fees

|  | Bitstack Card | UR Card |
| --- | --- | --- |
| Virtual card issuance | not applicable | unknown |
| **Physical card issuance** | 9.99 EUR | not applicable |
| Free cards | unknown | unknown |
| **Shipping** | not published | not applicable |
| Monthly fee | 0.00 EUR/month or 0.00 EUR/year | unknown |
| Annual fee | 0.00 EUR/month or 0.00 EUR/year | unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | 0–1 % above the market rate · Depending on market conditions | unknown |
| **Foreign currency fee** | 1 % · Approximately 1% applies only to the amount exceeding the €1,000 monthly free FX allowance. | 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 |
| FX free allowance | 1,000.00 EUR | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | 5 or 200.00 EUR free, whichever comes first per calendar month, then 1 % (min. 1.00 EUR) (Free up to €200/month or 5 withdrawals, whichever is reached first; then €1 minimum or 1% per withdrawal, whichever is higher.) | not applicable |
| Transaction fee | not published | unknown |
| Cross-border fee | not published | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | not published | unknown |
| **Account closure fee** | not published | 0.00 CHF |
| Dispute fee | not published | not published |
| 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 | Fiat24 may terminate card services after the card has not been used for operations for 6 consecutive months. |
| Card replacement | not published | unknown |

## Rewards

|  | Bitstack Card | UR Card |
| --- | --- | --- |
| Cashback | 0.1–1.5 % | unknown |
| Referral bonus (invited friend) | 5 EUR | unknown |
| Referral bonus (you) | up to 200 EUR | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Bitstack Card | UR Card |
| --- | --- | --- |
| Limits (entry level) | Spending per month 5,000 EUR · ATM per week 200 EUR · ATM per month 1,000 EUR | Spending per day 2,000 EUR · Spending per month 5,000 EUR |

- [Bitstack Card](https://cryptocardss.com/en/bitstack-card.md)
- [UR Card](https://cryptocardss.com/en/ur-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitstack-card-vs-ur-card/
- **As of:** 31 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 31 Oct 2026, https://cryptocardss.com/en/compare/bitstack-card-vs-ur-card/