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Bit2Me review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Bit2Me suits Spanish and European buyers who want one regulated account for trading, earning and card spending, and who put licensing above headline cost. It holds a CNMV MiCA licence and runs a free Mastercard debit card, though its taker fee of 0.6% sits well above the 0.25% typical of the buy crypto ranking.

Key facts

Best for
One regulated account for euro trading, earning and daily card spending
Taker fee
0.6%↗
Coins listed
244↗
Regulators
Comision Nacional del Mercado de Valores (CNMV)↗
Fiat deposit methods
SEPA, Bank, Card↗
Maker fee
0.5%↗
Proof of reserves
No↗
Derivatives
No↗
Exchange type
Cex↗
Legal entity
Bitcoinforme S.L.↗
Headquarters
Spain↗
Founded
2014↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Custodial, Staking
Official website
bit2me.com

Debit cards

Monthly fee
€0↗
Currency conversion fee
0.95%↗
Card type
Debit↗
Cashback rate
0.25% to 7%↗
Card network
Mastercard↗
Custody
Custodial↗

Crypto earn

Yield
0.5% to 19.2%↗
Supported assets
BTC, ETH, B2M, LUNA2, GRT, KAVA, BNB↗
Lock-up terms
Flexible for most assets; B2M 12-month lock↗

Facts checked September 26, 2026, 10 sources

Pros and cons

Pros

  • Regulated by CNMV and Comision Nacional del Mercado de Valores (CNMV) under a MiCA licence recorded as MiCA CASP 9598007R5LSUJLGLS853
  • Fiat deposits run through sepa, bank and card, covering the standard European routes
  • The card carries a monthly fee of €0 and pays cashback of 0.25% to 7%
  • Yield on the earn suite runs 0.5% to 19.2% across BTC, ETH and B2M
  • Support runs through email, chat and phone, including phone and live chat

Cons

  • Trading costs sit high for a spot exchange: a taker fee of 0.6% against a maker fee of 0.5%
  • Proof of reserves is a no, so the backing of balances is not published
  • Earning is custodial, so funds sit with the platform while staked
  • The B2M asset carries a Flexible for most assets; B2M 12-month lock commitment that most assets do not
Bit2Me

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Scored 8.8 / 10 by HodlCue.

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Who it suits

  • Spanish residents who want a CNMV licensed venue with euro bank and card rails
  • Readers who want staking and a debit card inside the same account
  • Cost tolerant traders who mainly buy and hold rather than trade often

Who should look elsewhere

  • Active traders who care most about low trading costs, who will find more in LBank or ActivTrades
  • Anyone wanting a non custodial wallet, since custody here is custodial
  • Readers who need published proof of reserves

How it compares on our data

On coins listed, Bit2Me ranks 58 out of 172 brands, with 244 coins on the books. On taker fee it sits at 90 out of 118, and the 0.6% charge is well above the 0.25% median across the buy crypto ranking. The gap is the trade-off to weigh: breadth of listing and a regulated wrapper on one side, trading cost on the other. LBank lists 888 coins, while ActivTrades charges a taker fee of 0% and eToro 1%.

Licences and registrations

The exchange is registered with CNMV and Comision Nacional del Mercado de Valores (CNMV). The licence entry in the ESMA register reads MiCA CASP 9598007R5LSUJLGLS853, which is a MiCA crypto asset service provider authorisation in Spain. The operating company is Bitcoinforme S.L., based in Spain, and the platform has been running since 2014. For a reader moving euros in and out, that registration is the part worth reading first, because it sets the rules the firm operates under.

How your money is protected

Regulatory status comes from CNMV and Comision Nacional del Mercado de Valores (CNMV) and the licence number MiCA CASP 9598007R5LSUJLGLS853. The asset side is custodial: balances are held for you rather than under keys you control, and staking on custodial and staking follows the same pattern. Proof of reserves is a no here, so the published picture stops short of demonstrating that customer coins are backed one for one. Custody itself is the common setup among exchanges in this ranking, but proof of reserves is what most of them do publish.

Fees

Spot trading costs a taker fee of 0.6% and a maker fee of 0.5%, and those rates apply to the standard account. On the card side the monthly fee is €0, so holding it costs nothing, while converting currency on a spend costs 0.95%. The 0.95% conversion charge is the figure to watch for anyone paying in another currency, and it sits near the 1% site median. By contrast, a taker fee of 0% at ActivTrades or 1% at eToro shows how much of the headline cost sits in trading rather than in the card.

How Bit2Me compares

Where Bit2Me is available

Licence in Spain
CNMV, checked September 26, 2026
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 it cost to trade on Bit2Me?+

The spot account charges a taker fee of 0.6% and a maker fee of 0.5%. That sits above the 0.25% median for the buy crypto ranking, so the exchange rewards holding more than frequent trading.

Which regulator licenses Bit2Me?+

It is listed with CNMV and Comision Nacional del Mercado de Valores (CNMV), the Spanish market authority. The register entry reads MiCA CASP 9598007R5LSUJLGLS853, a MiCA crypto asset service provider authorisation held by Bitcoinforme S.L..

Does Bit2Me publish proof of reserves?+

Proof of reserves is a no. That matters for anyone weighing trust: the exchange is registered and operating from ES, but it does not publish the reserve statement that some rivals in this ranking do.

How can I pay euros into the account?+

Fiat deposits run through sepa, bank and card. SEPA and bank transfer suit larger sums, while card funding is quicker for smaller buys, and the exchange has been trading since 2014.

What yield does the earn suite pay?+

The earn suite pays 0.5% to 19.2% depending on the asset, and the range spans BTC, ETH and B2M including BTC, ETH and B2M. Custody is custodial, so staked balances are held by the platform for the duration.

Is the B2M card free to hold?+

The monthly fee is €0, so there is no standing charge. Spending earns cashback of 0.25% to 7%, and the card is a Mastercard debit card rather than a credit card.

What does it cost to spend in another currency?+

Currency conversion on the card costs 0.95%. That is close to the 1% site median, so paying in the euro the card is denominated in avoids the charge entirely.

How do I get help from the exchange?+

Support runs through email, chat and phone. Phone and live chat cover the urgent cases, and a help centre handles the rest, which matters more here than at rivals charging a taker fee of 0% but offering no Spanish registration.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Bit2Me

Bit2Me

One regulated account for euro trading, earning and daily card spending

8.8/10See alternatives