Comparison
Bitstack Card vs. UR Card: fees, limits & KYC
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bitstack-app.com31 Oct 2026
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
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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
- 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).
| Attribute |
Bitstack CardBitstack
|
UR CardFiat24
|
|---|---|---|
| Overview | Requires KYC Private Physical | Requires KYC Private Virtual |
| Score | average with variant Plus: 5.3 | good |
| CostsWeight 25 % | 6.0 | 8.0 |
| TrustWeight 20 % | 6.8 | 7.7 |
| KYC and privacyWeight 15 % | 6.5 | 6.5 |
| FeaturesWeight 15 % | 6.8 | 7.2 |
| AvailabilityWeight 10 % | 0.1 | not scored |
| RewardsWeight 10 % | 3.9 | not scored |
| CommunityWeight 5 % | 6.4 | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all |
debit
help.bitstack-app.com checked 28 Oct 2026
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? |
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 |
physical
bitstack-app.com checked 28 Oct 2026
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
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 | 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? |
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
bitstack-app.com checked 28 Oct 2026
Source and check
Source
bitstack-app.com
Wording at the source
providing custody and administration of crypto-assets on behalf of clientsChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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
bitstack-app.com checked 28 Oct 2026
Source and check
Source
bitstack-app.com
Wording at the source
Euro account€1,000 availableChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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
bitstack-app.com checked 28 Oct 2026
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? |
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
help.bitstack-app.com checked 28 Oct 2026
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
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 |
Xpollens
bitstack-app.com checked 30 Oct 2026
Source and check
Source
bitstack-app.com
Wording at the source
is registered as an agent of Xpollens — an electronic money institution licensed by the ACPR (CIB 16528 – RCS Paris no. 501586341, 110 Avenue de France, 75013 Paris)Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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 onsame for all |
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 for all | Cards per account | |
| Availability | ||
| Available insame for all | ||
| Unknown for all | Available in | |
| Crypto | ||
| Supported assets (differs)same for all |
BTC
bitstack-app.com checked 28 Oct 2026
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? |
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 | ||
| Top-up networkssame for all |
Bitcoin
help.bitstack-app.com checked 30 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
- Send and receive Bitcoin: transfer bitcoin to an external address or receive it from outside.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Fiat top-upsame for all |
Yes
help.bitstack-app.com checked 30 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
You can fund your Bitstack cash account in two ways: | Method | Fee | |---|---| | Bank transfer (SEPA) | Free | | Debit/credit card, Apple Pay, Google Pay | 0.70% of the amount |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 walletssame for all | 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? |
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
help.bitstack-app.com checked 28 Oct 2026
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? |
|
| Contactlesssame for all |
Yes
help.bitstack-app.com checked 28 Oct 2026
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
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 |
not applicable
help.bitstack-app.com checked 28 Oct 2026
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? |
|
| Physical card issuance (differs)same for all |
9.99 EUR
bitstack-app.com checked 29 Oct 2026
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? |
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 | ||
| Shipping (differs)same for all |
not published
help.bitstack-app.com checked 28 Oct 2026
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? |
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/month or 0.00 EUR/year
bitstack-app.com checked 29 Oct 2026
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 / yearChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
2.99 EUR/month or 29.99 EUR/year
bitstack-app.com checked 29 Oct 2026
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 / yearChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Annual feesame for all |
0.00 EUR/month or 0.00 EUR/year
bitstack-app.com checked 29 Oct 2026
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 / yearChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
2.99 EUR/month or 29.99 EUR/year
bitstack-app.com checked 29 Oct 2026
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 / yearChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Top-up feesame for all | ||
| Crypto deposit feesame for all | ||
| Crypto conversion feesame for all |
0–1 % above the market rate · Depending on market conditions
help.bitstack-app.com checked 30 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
In addition to fees, Bitstack may include a spread in the displayed price. Depending on market conditions, this spread ranges between 0% and 1%. The exact price is always shown on the confirmation scr...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
|
| Foreign currency fee (differs)same for all |
1 % · Approximately 1% applies only to the amount exceeding the €1,000 monthly free FX allowance.
help.bitstack-app.com checked 30 Oct 2026
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 30 Oct 2026 Value wrong? History What does [s] mean?
1 % · Approximately 1% applies only to the amount exceeding the €3,000 monthly free FX allowance.
help.bitstack-app.com checked 30 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
| Bitstack Plus | Jusqu'à 3 000 € par mois | ~1 % sur la partie dépassant l'allocation |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
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 |
1,000.00 EUR
help.bitstack-app.com checked 29 Oct 2026
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?
3,000.00 EUR
help.bitstack-app.com checked 29 Oct 2026
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? |
|
| Minimum FX feesame for all | ||
| ATM fee (differs)same for all |
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.)
help.bitstack-app.com checked 30 Oct 2026
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 30 Oct 2026 Value wrong? History 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 |
not published
help.bitstack-app.com checked 30 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
- Up to €1,000 per month: no additional FX fees. - Above €1,000 per month: an FX fee of approximately 1% applies to the amount exceeding the free allowance. The exchange rate used is the Visa rate at...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Cross-border feesame for all |
not published
help.bitstack-app.com checked 30 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
You can use your Bitstack card internationally for card payments (in-store or online) and ATM withdrawals, anywhere Visa is accepted. When you make a transaction in a foreign currency (for example, i...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Withdrawal feesame for all | ||
| Activation feesame for all |
not published
help.bitstack-app.com checked 30 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
The Bitstack card has no monthly subscription. However, certain transactions may incur specific fees: here is what you need to know.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
help.bitstack-app.com checked 31 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
# What are Bitstack's prices and fees? Find here the full breakdown of fees that apply to your transactions on Bitstack.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
help.bitstack-app.com checked 31 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
The Bitstack card has no monthly subscription. However, certain transactions may incur specific fees: here is what you need to know.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 | ||
| Declined payment feesame for all | ||
| Refund feesame for all | ||
| Inactivity feesame for all | ||
| Minimum monthly spendsame for all | ||
| Inactivity rulesame for all |
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
help.bitstack-app.com checked 30 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
The Bitstack card has no monthly subscription. However, certain transactions may incur specific fees: here is what you need to know.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 · Top-up fee · Crypto deposit fee · Minimum FX fee · Withdrawal fee · Minimum top-up · Declined payment fee · Refund fee · Inactivity fee · Minimum monthly spend | |
| Rewards | ||
| Cashbacksame for all |
0.1–1.5 %
help.bitstack-app.com checked 28 Oct 2026
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? |
|
| Referral bonus (invited friend)same for all |
5 EUR
help.bitstack-app.com checked 30 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
- Your referee: a fixed bonus of €5 in Bitcoin, credited as soon as all conditions are met.Checked Verified Value wrong? No earlier versions What does [s] mean? |
|
| Referral bonus (you)same for all |
up to 200 EUR
help.bitstack-app.com checked 30 Oct 2026
Source and check
Source
help.bitstack-app.com
Wording at the source
The reward is triggered automatically once your referee meets all three of the following conditions within 30 days: 1. Identity verification completed 2. At least €100 saved in Bitcoin on Bitstack 3....Checked Verified Value wrong? No earlier versions What does [s] mean? |
|
| Welcome bonussame for all | ||
| Unknown for all | Welcome bonus | |
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 Bitstack Card · UR Card: promotions and bonuses as well as warnings and incidents.