Bitcoin Store review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bitcoin Store is a Croatian custodial crypto card built for business, and it is costly for everyday use: a monthly fee of €1 applies while currency conversion costs 2.6%. It fits firms that settle in crypto and spend straight from that balance, not readers shopping for a low-cost debit card.
Key facts
- Best for
- Businesses that spend from a crypto balance and can absorb a monthly charge plus a conversion fee above the site median.
- Monthly fee
- €1 (Source, checked September 26, 2026)
- Currency conversion fee
- 2.6% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Currencies
- 150 (Source, checked September 26, 2026)
- Custody
- Custodial (Source, checked September 26, 2026)
- Legal entity
- DIGITAL ASSETS Limited liability company for intermediation and services (Source, checked September 26, 2026)
- Headquarters
- Croatia (Source, checked September 26, 2026)
- Founded
- 2013 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Crypto, Virtual card
- Audience
- Business
- Official website
- bitcoin-store.hr
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXweb.facebook.com
Pros and cons
Pros
- Support runs on email, chat and phone, covering phone, chat, email and a help centre.
- The card is Visa (visa) and a virtual card option is listed under crypto and virtual card.
- It is registered as a crypto service provider as MiCA CASP 984500NB7D12BC5B4A79 with the Croatian Financial Services Supervisory Agency.
- Balances can be held across 150 currencies on the same account.
Cons
- Currency conversion runs at 2.6%, above the site median of 1%, and ranks 204 in a field of 259.
- A monthly fee of €1 applies where the site median is €0, and the brand ranks 343 of 419 on that measure.
- Custody is custodial (custodial), so the balance sits with the provider rather than in a wallet you hold yourself.
Who it suits
- Businesses that already settle in crypto and want the same balance behind a card.
- Readers who want help by phone as well as in writing, since support runs on email, chat and phone.
- Anyone comfortable with provider-held funds, given custody is custodial.
Who should look elsewhere
- Wise, whose monthly fee is £0, if the priority is converting between several currencies rather than holding crypto.
- Varo Believe Secured Credit Card, with a monthly fee of $0, for building secured credit instead of a crypto balance.
- Chime Card (Secured Visa Credit Card), whose monthly fee is $0, for a secured credit card rather than a crypto account.
Fees and FX
The account carries a monthly fee of €1 and a currency conversion fee of 2.6%. Both sit above the site medians of €0 and 1%, and the conversion fee puts the brand at 204 in a field of 259 on that measure. In practice, cross-currency spend is the expensive part.
How Bitcoin Store compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.2
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 9.0
8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.7
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 9.6
8.9 vs 9.2
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.5
8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
Where Bitcoin Store is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
- Licence in Croatia
- Hrvatska agencija za nadzor financijskog trzista (HANFA) - MiCA authorised crypto-asset service provider register, checked September 26, 2026
- Licence in Croatia
- Croatian Financial Services Supervisory Agency (HANFA) (MiCA CASP 984500NB7D12BC5B4A79), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold the account and convert money?+
The account charges a monthly fee of €1, and spending in another currency converts at 2.6%. Those two figures are the running cost of the card, and cross-currency spend is the part that adds up quickly for a business.
Is the provider regulated?+
Yes. It appears on the Croatian Financial Services Supervisory Agency's MiCA authorised crypto-asset service provider register, recorded as MiCA CASP 984500NB7D12BC5B4A79. It trades as a limited liability company for intermediation and services, based in Croatia.
What kind of card do you get?+
A Visa debit card, with a virtual card option alongside it. The card type is recorded as debit and the network as visa, while the feature list at crypto and virtual card covers both crypto and virtual cards.
Who is this account aimed at?+
The recorded audience is business, so this is a business account. It suits firms that already settle in crypto and want a card linked to that balance for everyday payments, and the monthly fee matters most to them.
Who holds the crypto on the account?+
Custody sits with the provider, recorded as custodial. That means the balance stays on the company's books rather than in a wallet you control, which suits readers who want crypto and card spending in the same place.
How many currencies can the account hold?+
The account supports 150 currencies, so holding several balances at once is a normal use rather than a workaround. Converting between them still runs at 2.6%, so the reach only pays off when spending stays in a single currency.
How do I get help with the account?+
Support runs on email, chat and phone, so phone, chat, email and a help centre are all covered. For a business account that is a full spread, and the help centre is the natural place to start with account and card questions.
How long has the company been trading?+
The company lists 2013 as its founding year and trades as a limited liability company for intermediation and services registered in Croatia. That history matters because the brand is a crypto service provider first and a card account second.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=HR”
- bitcoin-store.hr/pomoc/cesta-pitanja checked September 26, 2026
Backs: Audience, Card type, Currencies, Custody, Features, Founded, Currency conversion fee, Monthly fee, Card network, Support channels
“odaberite vrstu racuna koji zelite izraditi (Osobni ili Poslovni)”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Bitcoin Store
Businesses that spend from a crypto balance and can absorb a monthly charge plus a conversion fee above the site median.