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Bit2Me review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bit2Me Card is a custodial crypto debit card for people who already hold digital assets and want to spend them with cashback. The monthly fee is €0, but the currency conversion fee of 0.95% makes it a weak fit for heavy overseas spending.

Key facts

Best for
Crypto holders who want a debit card with cashback and nothing to pay to hold it.
Monthly fee
€0 (Source, checked September 26, 2026)
Currency conversion fee
0.95% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Cashback rate
0.25% to 7% (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Custody
Custodial (Source, checked September 26, 2026)
Legal entity
Bitcoinforme S.L. (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Help-centre, Email, Chat (Source, checked September 26, 2026)
Features
Crypto, Virtual card, Travel
Official website
bit2me.com

Credit cards

Currency conversion fee
0.95% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
up to 7% on Bit2Me Card purchases (Source, checked September 26, 2026)
Perks
Apple Pay, Google Pay (Source, checked September 26, 2026)
Cashback rate
7% (Source, checked September 26, 2026)
Legal entity
Bitcoinforme S.L. (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Help-centre, Email, Chat (Source, checked September 26, 2026)
Features
Crypto, Virtual card, Travel

Pros and cons

Pros

  • Holding the card costs €0 a month, the free end of the market.
  • Cashback of up to 7% on Bit2Me Card purchases, while 28.7% of the cards we compare pay no rewards at all.
  • Works in the usual phone wallets, with Apple Pay and Google Pay supported.
  • A debit card on the mastercard network, so it is accepted wherever those cards are.
  • Supervised by the Comision Nacional del Mercado de Valores in ES under MiCA CASP 9598007R5LSUJLGLS853.

Cons

  • Currency conversion is the weak point: 0.95% on conversions, and a ranking of 122 out of 259 brands compared.
  • Support runs on help centre, email and chat only, so there is no phone line for a held payment or a balance problem.
  • The account is custodial, so the provider holds the balance and you depend on that provider for access to it.
  • The headline cashback of 7% is the top of a wider band, 0.25% to 7%, so treat the headline as a ceiling rather than a standard.
Bit2Me

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Who it suits

  • People who already hold crypto and want a card that spends it directly, with up to 7% on Bit2Me Card purchases on purchases.
  • Spenders who want cashback plus Apple Pay and Google Pay without paying anything to hold the card, €0.
  • Anyone whose money moves in a single currency and who rarely converts, so 0.95% rarely comes into play.

Who should look elsewhere

  • Wise, if converting money is your main cost, because Bit2Me Card adds 0.95% to each conversion.
  • Varo Believe Secured Credit Card, if you want a secured credit card rather than a debit card that spends crypto you already hold.
  • Chime Card (Secured Visa Credit Card), if building a credit record matters more to you than holding digital assets.

Fees and FX

Cost is the easy part of Bit2Me Card, and the hard part is working out which cost matters to you. The monthly fee is €0, so holding the card adds no account charge, and the same figure applies however long you keep it. Currency is where the money goes. The card charges 0.95% to convert, and that applies to any payment where the merchant takes the charge in a different currency from the one sitting on your balance. Read those two figures together and the shape of the offer is clear. A free monthly fee is the common case across the cards on this site, so it will not decide your choice on its own. The conversion charge will, if you spend outside your home currency, because it applies repeatedly rather than once, and it sits on top of the rate you are given. Small daily purchases abroad make it easy to overlook until a month of them adds up. A simple rule helps. If your spending is mostly in the currency already on the card, the cost of holding and using it stays close to nothing apart from the occasional conversion. If your spending is spread across other currencies, that 0.95% becomes the running cost of the card, and the free monthly fee is beside the point.

Everyday use

Day to day, the Bit2Me Card behaves like an ordinary debit card: spending draws on the balance you hold rather than on a borrowing arrangement, so what you pay is limited to the money in the account. It runs on the mastercard network, the scheme most terminals and cash machines accept, so a single card works wherever those cards are taken. Nothing about paying in a shop needs a special arrangement. Help when something goes wrong comes through help centre, email and chat. You can raise a question in writing, open a live chat for anything urgent, or dig through the help centre before you ask, and the same routes cover the card and the account behind it. Anyone who would rather sort a problem out on the phone will not find it in help centre, email and chat, and that is worth knowing before you rely on the card day to day, because a held payment or a disputed charge is easier to fix when you can reach someone who can see the balance. The practical picture is a card that behaves normally at the till, with support that is thorough in writing and live in chat, and thinner on anything that needs a voice.

How it compares on our data

Two numbers explain where Bit2Me Card sits in our comparison, and they point in opposite directions. On monthly fee the card ranks 1 out of 419 brands compared. Holding a card for nothing is the norm across this part of the market, so a top ranking here tells you the card is ordinary rather than generous. Read it as confirmation that nothing about keeping the account will cost you, then move on to the fee that does vary. On currency conversion the card sits at 122 out of 259 brands compared. That is a long way down a field of this size, and it lines up with what the charge does to a foreign bill. For a card sold on everyday spending, a conversion charge at this level is the item to weigh, because it repeats on every purchase made in another currency. Anyone choosing on total cost should read the two rankings together: strong on the fee that barely moves, weaker on the one that quietly adds up.

Using it abroad

Abroad is the test that matters for this card, and the answer is mixed. Acceptance is straightforward. The card runs on the mastercard network, so terminals and cash machines in most countries take it without a special arrangement, and a single card covers more than one currency rather than forcing you to pick a country account in advance. Where you can pay in the currency your balance already holds, the card gets on with the job. The cost is where the decision sits. Conversions run at 0.95%, so whenever a merchant takes the payment in another currency, that charge is added to the rate you receive. On a large bill it is obvious, and on a run of small daily spends it still adds up before a trip is over. Nothing about that is hidden, but it does mean the card is priced as an everyday card that is expensive to convert rather than a travel wallet. The rule that follows is simple: a short trip where you pay in the currency you hold will go fine, while a trip built on several currencies, or a large foreign purchase, is where 0.95% deserves a moment of thought before you go.

The company behind it

The Bit2Me Card comes from Bitcoinforme S.L., the Bitcoinforme S.L. name behind the brand, registered in Spain and founded in 2014. The company trades as a crypto asset service provider and is registered in Spain with the Comision Nacional del Mercado de Valores, the Spanish markets regulator, under licence MiCA CASP 9598007R5LSUJLGLS853. That licence is worth reading for what it is. It covers the crypto side of the business, handling client assets under a regulator's rules, and it tells you who you are dealing with when a card payment goes wrong: a supervised crypto company rather than an anonymous issuer. What sits behind the card is a crypto balance held with the provider, so understanding that arrangement is part of understanding the product rather than a detail to skip. Service comes from the same organisation. Contact runs through help centre, email and chat, which keeps the people who can see your balance on the other end of the conversation, and the licence number gives you something concrete to check if you ever need to. The trading history behind the name and the regulated status are the two things that make this a more substantial counterparty than the card's design alone would suggest.

How Bit2Me compares

Where Bit2Me is available

Licence in Spain
Comision Nacional del Mercado de Valores (CNMV) (MiCA CASP 9598007R5LSUJLGLS853), checked September 26, 2026, also valid in Spain, Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Frequently asked questions

What does Bit2Me Card cost to keep each month?+

The monthly fee is €0, so holding the card adds no account charge each month. The cost that matters more is conversion: the card charges 0.95% when a purchase is settled in a currency other than the one on your balance. Spend mostly in your own currency and the card is effectively free to run.

Is my crypto safe on Bit2Me Card?+

The account is custodial, which means the provider holds the crypto rather than you holding the keys yourself. The company behind the card, Bitcoinforme S.L., is registered in Spain and is licensed as a crypto asset service provider in Spain. That licence covers the crypto business, so it is worth understanding the arrangement before you load a large balance.

What cashback does Bit2Me Card pay?+

Rewards are paid as cashback, and the provider publishes up to 7% on Bit2Me Card purchases, with 7% as the headline rate. The range the card works within is 0.25% to 7%, so what you earn depends on the purchase. Cashback on card spending is also easier to weigh against a points scheme, because it lands as money.

Can I use Bit2Me Card abroad?+

The card runs on the mastercard network, so it is accepted wherever those cards are, which covers most terminals and cash machines outside your home country. Spending in the local currency is the cheapest way to use it, because a conversion adds 0.95% to the rate. Travellers who buy in several currencies will pay that charge more often.

Who regulates Bit2Me Card?+

The provider, Bitcoinforme S.L., is registered in Spain and is listed as a crypto asset service provider by the Comision Nacional del Mercado de Valores, the Spanish markets regulator, under MiCA CASP 9598007R5LSUJLGLS853. That registration covers the crypto activity, while the card itself runs on the mastercard network.

How do I get help if a payment goes wrong?+

Support runs through help centre, email and chat, so you have a help centre for the basics, email for a written trail and chat for anything live. The same routes cover the card and the account behind it, which helps when a payment is held or a conversion looks wrong. Anyone who wants a voice on the phone will not find it in help centre, email and chat.

Is Bit2Me Card a debit card or a credit card?+

It is a debit card, so spending draws on crypto you already hold rather than on a credit line. Payments run on the mastercard network, which most terminals and cash machines accept, and the card is listed with crypto, virtual card and travel among its features. Rewards come as cashback on what you spend.

Who runs the company behind the card?+

The card comes from Bitcoinforme S.L., a company founded in 2014 and registered in Spain. It is a crypto business that has issued a card linked to the balances customers hold with it, so the card and the crypto account are the same relationship. The age of the company offers some reassurance, though the balance is crypto held with the provider.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Bit2Me

Bit2Me

Crypto holders who want a debit card with cashback and nothing to pay to hold it.

8.9/10See alternatives