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Comparison

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

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).
Show

differs best value same for all

Attribute Standard Bitstack CardBitstack Basic UR CardFiat24
Overview Requires KYC Private Physical Requires KYC Private Virtual
Score average 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)
  • 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
Basics
Card formsame for all
debit help.bitstack-app.com checked 28 Oct 2026
debit support.ur.app checked 30 Oct 2026
Card types (differs)
physical bitstack-app.com checked 28 Oct 2026
virtual support.ur.app checked 30 Oct 2026
Card network (differs)
Visa bitstack-app.com checked 28 Oct 2026
Mastercard support.ur.app checked 30 Oct 2026
Custodysame for all
custodial bitstack-app.com checked 28 Oct 2026
custodial support.ur.app checked 30 Oct 2026
Funding modelsame for all
fiat balance bitstack-app.com checked 28 Oct 2026
fiat balance support.ur.app checked 30 Oct 2026
Card currencies (differs)
EUR bitstack-app.com checked 28 Oct 2026
CHF, CNY, EUR, HKD, JPY, SGD, USD support.ur.app checked 30 Oct 2026
Usagesame for all
personal help.bitstack-app.com checked 28 Oct 2026
personal support.ur.app checked 30 Oct 2026
Issuer / BIN sponsor (differs)
Xpollens bitstack-app.com checked 30 Oct 2026
Fiat24 docs.fiat24.com checked 30 Oct 2026
Limits depend on
unknown
plan support.ur.app checked 30 Oct 2026
Cards per account
unknown
unknown
Unknown for allCards per account
Availability
Available in
unknown
unknown
Unknown for allAvailable in
Crypto
Supported assets (differs)
BTC bitstack-app.com checked 28 Oct 2026
USDe support.ur.app checked 30 Oct 2026
Number of supported assets
unknown
unknown
Top-up networks
Bitcoin help.bitstack-app.com checked 30 Oct 2026
unknown
Fiat top-upsame for all
Yes help.bitstack-app.com checked 30 Oct 2026
Yes support.ur.app checked 30 Oct 2026
Unknown for allNumber of supported assets
Payments
Mobile walletssame for all
Apple Pay Google Pay bitstack-app.com checked 28 Oct 2026
Apple Pay Google Pay support.ur.app checked 30 Oct 2026
ATM withdrawals
Yes help.bitstack-app.com checked 28 Oct 2026
unknown
Contactlesssame for all
Yes help.bitstack-app.com checked 28 Oct 2026
Yes support.ur.app checked 30 Oct 2026
Fees
Virtual card issuance
not applicable help.bitstack-app.com checked 28 Oct 2026
unknown
Physical card issuance (differs)
9.99 EUR bitstack-app.com checked 29 Oct 2026
not applicable support.ur.app checked 30 Oct 2026
Free cards
unknown
unknown
Shipping (differs)
not published help.bitstack-app.com checked 28 Oct 2026
not applicable support.ur.app checked 30 Oct 2026
Monthly fee
0.00 EUR/month or 0.00 EUR/year bitstack-app.com checked 29 Oct 2026
unknown
Annual fee
0.00 EUR/month or 0.00 EUR/year bitstack-app.com checked 29 Oct 2026
unknown
Top-up fee
unknown
unknown
Crypto deposit fee
unknown
unknown
Crypto conversion fee
0–1 % above the market rate · Depending on market conditions help.bitstack-app.com checked 30 Oct 2026
unknown
Foreign currency fee (differs)
1 % · Approximately 1% applies only to the amount exceeding the €1,000 monthly free FX allowance. help.bitstack-app.com checked 30 Oct 2026
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
FX free allowance
1,000.00 EUR help.bitstack-app.com checked 29 Oct 2026
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) (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
not applicable support.ur.app checked 30 Oct 2026
Transaction fee
not published help.bitstack-app.com checked 30 Oct 2026
unknown
Cross-border fee
not published help.bitstack-app.com checked 30 Oct 2026
unknown
Withdrawal fee
unknown
unknown
Activation fee
not published help.bitstack-app.com checked 30 Oct 2026
unknown
Account closure fee (differs)
not published help.bitstack-app.com checked 31 Oct 2026
0.00 CHF docs.fiat24.com checked 31 Oct 2026
Dispute feesame for all
not published help.bitstack-app.com checked 31 Oct 2026
not published support.ur.app checked 31 Oct 2026
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. docs.fiat24.com checked 30 Oct 2026
Card replacement
not published help.bitstack-app.com checked 30 Oct 2026
unknown
Unknown for allFree 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
Cashback
0.1–1.5 % help.bitstack-app.com checked 28 Oct 2026
unknown
Referral bonus (invited friend)
5 EUR help.bitstack-app.com checked 30 Oct 2026
unknown
Referral bonus (you)
up to 200 EUR help.bitstack-app.com checked 30 Oct 2026
unknown
Welcome bonus
unknown
unknown
Unknown for allWelcome bonus

Values of the chosen variant; without a choice the entry variant (first in the provider's order).

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