Bitrefill Card review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
The Bitrefill Card is a self-custody Visa debit card for people who hold crypto and want to spend it abroad without a conversion charge. Its currency conversion fee is 0%, and it ranks 1 of 259 cards on that measure.
Key facts
- Best for
- Spending a crypto balance at a 0% currency conversion fee.
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Free ATM withdrawals
- €0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Top-up fee
- Variable spread reflecting the crypto to fiat exchange cost (Source, checked September 26, 2026)
- Cashback rate
- 2% (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Custody
- Self custody (Source, checked September 26, 2026)
- Legal entity
- Airfill Prepaid AB (559001-6035) (Source, checked September 26, 2026)
- Headquarters
- Sweden (Source, checked September 26, 2026)
- Founded
- 2014 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Help-centre, Community (Source, checked September 26, 2026)
- Features
- Crypto, Self-custody, Virtual card, Travel
- Official website
- bitrefill.com
Credit cards
- Annual fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 1% cashback on every purchase plus 1% on every crypto deposit (2% total) (Source, checked September 26, 2026)
- Perks
- Free virtual and physical Visa card, No issuing, postal or monthly fees, Free SEPA withdrawals to bank account, ATM withdrawals 2.49% (physical card only), Free monthly eSIM up to 20GB on monthly crypto deposits over EUR 500, 3D Secure for online payments, Freeze and unfreeze card in app, 24/7 customer support (Source, checked September 26, 2026)
- Cashback rate
- 1% (Source, checked September 26, 2026)
- Card kind
- Charge (Source, checked September 26, 2026)
- Legal entity
- Airfill Prepaid AB (559001-6035) (Source, checked September 26, 2026)
- Headquarters
- Sweden (Source, checked September 26, 2026)
- Founded
- 2014 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Help-centre, Community (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Crypto, Self-custody, Virtual card, Travel
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Currency conversion fee of 0%, ranking 1 of 259 cards on our data.
- Nothing to pay to hold it: a monthly fee of €0 and an annual fee of €0.
- Cashback of 1% on each purchase, rising to 2% when crypto is deposited.
- A virtual and a physical Visa card, with freeze and unfreeze controls in the app.
Cons
- Free ATM withdrawals are €0, and the card sits 41 of 115 on that measure.
- Support runs on email, chat and help centre, so a phone line is not among the routes.
- Top-ups cost a variable spread that follows the crypto to fiat exchange cost (Variable spread reflecting the crypto to fiat exchange cost).
Who it suits
- Crypto holders who want a euro Visa card to spend from a self-custody balance.
- Travellers who would rather avoid a conversion charge than chase cash machine rebates.
Who should look elsewhere
- Wise, whose monthly fee is £0, if you want a card that works apart from crypto deposits and a variable exchange spread.
- Varo Believe Secured Credit Card, with a monthly fee of $0, for anyone after a secured credit card instead.
How it compares on our data
In this comparison the Bitrefill Card ranks 1 of 419 cards on monthly fee and 1 of 259 on currency conversion fee. Free ATM withdrawals are the weak spot: the card sits 41 of 115 on that measure, so the two fee rankings carry it.
Fees and FX
Monthly charges come to €0 and the currency conversion fee is 0%, so spending a euro balance outside the euro area adds nothing extra. Funding is the cost to watch: the load fee is a variable spread that follows the crypto to fiat exchange cost, so top-up costs move with the market.
How Bitrefill Card compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 9.2
9.1 vs 8.8
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 9.0
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9.1 vs 8.8
9.1 vs 8.7
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 9.6
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.8
9.1 vs 8.8- 9.1 vs 8.8
- 9.1 vs 8.8
9.1 vs 8.8- 9.1 vs 8.8
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.3
9.1 vs 8.2
9.1 vs 8.0
9.1 vs 8.0
Where Bitrefill Card is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Bitrefill Card cost to hold?+
The monthly fee is €0 and the annual fee is €0, and the card is listed as a no annual fee product. Issuing and postal fees are among the free extras. Spending from the balance is where cost appears, since funding follows the crypto to fiat exchange cost.
Is there a currency conversion fee when I spend abroad?+
The currency conversion fee is 0%, which places the card at 1 of 259 cards on that measure. Spending a euro balance outside the euro area therefore adds no conversion charge, and travel is one of the features the card is listed under.
Can I take cash out of ATMs for free?+
Free ATM withdrawals are €0, and the physical card is the one that takes cash, with a percentage fee charged on every withdrawal. Moving money to a bank account is a different route: SEPA withdrawals to a bank account are free.
How do I add money to the card?+
You fund the card with crypto, and the load fee is a variable spread that follows the crypto to fiat exchange cost, so the cost of a top-up moves with the market. Deposits also pay more than ordinary purchases, lifting the total rate to 2%.
Is the card virtual or physical?+
Both. It is a debit card on the visa network, listed as a charge card, and a virtual and a physical version are free. The virtual one suits online shopping, you can freeze and unfreeze the card in the app, and extra verification applies to online payments.
Who holds the money behind the card?+
Custody is self custody, so the crypto behind the balance stays under your own control rather than with a custodial platform. The card is issued by Airfill Prepaid AB, which is headquartered in Sweden, and the business was founded in 2014.
How do I get help if something goes wrong?+
Support runs on email, chat and help centre, and customer support is listed as available around the clock. Email and the help centre are the main routes, with chat and a community forum alongside. A frozen card can be unfrozen in the app without waiting for a reply.
Sources
- bitrefill.com/card checked September 26, 2026
Backs: Card type, Cashback rate, Features, Founded, Headquarters
“Crypto Debit Card by Bitrefill | Virtual & Physical Visa Card”
- bitrefill.com/card checked September 26, 2026
Backs: Cashback rate, Rewards rate, Rewards type
“Gain 1% cashback on every crypto deposit and 1% on every purchase.”
- bitrefill.com/card/features checked September 26, 2026
Backs: Custody, Monthly fee, Card network
“Keep custody of your own crypto until you want to use it”
- bitrefill.com/card/features checked September 26, 2026
Backs: Annual fee, Pricing model, Perks
“Get both a virtual and physical card free of charge. No issuing fees, postal fees* or monthly fees.”
- bitrefill.com/card/limits checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee, Top-up fee
“ATM Withdrawal 2.49%”
- bitrefill.com/card/limits checked September 26, 2026
Backs: Card kind
“Total lifetime deposit EUR 15,000”
- bitrefill.com/terms checked September 26, 2026
Backs: Legal entity, Support channels
“your direct counterparty is AIRFILL PREPAID AB, a limited company incorporated under the laws of Sweden and with registration number 559001-6035”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.