Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

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 people who want to trade 244 and spend from a debit card. It is regulated in Spain by CNMV and Comision Nacional del Mercado de Valores (CNMV), and custody sits with the platform, which suits everyday balances rather than long-term holdings.

Key facts

Best for
Everyday spending from a crypto balance, with a monthly fee of €0.
Monthly fee
€0↗
Currency conversion fee
0.95%↗
Card type
Debit↗
Cashback rate
0.25% to 7%↗
Card network
Mastercard↗
Custody
Custodial↗
Legal entity
Bitcoinforme S.L.↗
Headquarters
Spain↗
Founded
2014↗
Support channels
Help-centre, Email, Chat↗
Features
Crypto, Virtual card, Travel
Official website
bit2me.com

Crypto exchanges

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↗

Crypto wallets

Wallet type
Mobile↗
Price
€0↗
Coins supported
244↗

Facts checked September 26, 2026, 10 sources

Pros and cons

Pros

  • A listing of 244 coins, comfortably above the site median of 62.
  • Funding covers sepa, bank and card, so euros can arrive by bank transfer, SEPA or card.
  • Regulated by CNMV and Comision Nacional del Mercado de Valores (CNMV) and listed in the European register of crypto asset service providers under licence MiCA CASP 9598007R5LSUJLGLS853.
  • The account covers crypto, virtual card and travel, so trading, a virtual card and travel sit in one place.
  • Support runs through help centre, email and chat, which suits questions that need a written trail.

Cons

  • Foreign spend carries a 0.95% currency conversion fee, where the Bitpanda card shows 0%.
  • Trading is pricey for active use: a taker fee of 0.6% and a maker fee of 0.5% sit above the site taker median of 0.2%.
  • Custody is custodial, so the coins sit with the platform and your claim runs to the platform rather than to the coins.
  • Proof of reserves: no, which leaves readers with nothing published to check against.
Bit2Me

Ready to try Bit2Me?

Scored 8.9 / 10 by HodlCue.

See alternatives

Who it suits

  • Euro area residents who want a card to spend from and can fund it through sepa, bank and card.
  • People who want to buy from a long list of 244 coins in a single app.
  • Readers who prefer a provider holding a CNMV licence over an unregulated one.

Who should look elsewhere

  • Wise, if foreign spending is the main cost worry, given the 0.95% conversion fee on every foreign purchase here.
  • Bitpanda, if you would rather hold a card with no conversion charge, at 0%.
  • Monzo Flex, if a bank account with a monthly fee of £0 suits you better than a crypto balance.

Everyday use

The Bit2Me card is a debit card. Spending draws on the balance held in the account rather than on credit, so a payment can be no larger than what you have loaded and there is no interest to service. It is built on the mastercard network, so it is read by the terminals and cash machines that accept that scheme and behaves like an ordinary card in a shop. Support runs through help centre, email and chat. A help centre carries the standing answers, email works for anything that needs a written record, and chat handles the quick questions. That mix is enough for routine use: a card that will not authorise, a question about a conversion charge, a limit that needs raising. It is a written-first setup, so anything urgent has to travel through those channels rather than a phone line.

Using it abroad

Paying in a currency other than the one your account is held in adds a currency conversion fee of 0.95% to the transaction. It is charged per purchase, so the real cost of a trip is the sum of what you buy plus that fee on every line of it. The card runs on the mastercard network, so the conversion is handled by the scheme your terminal uses rather than by a bureau de change counter, and the rate you get is the network rate with 0.95% sitting on it. Budgeting for travel means adding the fee to each foreign purchase, including subscriptions priced outside the account currency. A reader who converts once a quarter feels it once; a reader who converts on every trip pays it repeatedly.

How it compares on our data

Currency conversion fee is the weak side of the record. Bit2Me ranks 113 of 237 on that measure, so most of the brands in the comparison sit ahead of it. Monthly fee tells the opposite story, with the brand at 1 of 379, the band that covers the cheapest accounts to hold. The shape of those two numbers sets how the card gets used. An account with no standing charge stays in a wallet and picks up small daily payments, so the conversion charge collects across a string of foreign transactions instead of a single large one. Frequent travellers will feel the weaker rank more often than the stronger one, and that is the trade-off the ranking records.

Fees

The standing cost of the card is a monthly fee of €0, so holding it adds nothing to a monthly budget. That is the number most people check first about a card kept in a wallet. The number worth arguing about is the conversion fee of 0.95%, because it applies each time the card spends in another currency. It recurs on every purchase rather than appearing once, and it does not shrink as the amount grows. Compare a flat monthly figure with a percentage that keeps charging: someone who pays for everything in the account currency only ever sees the monthly fee, while someone booking foreign travel each month sees the other one repeatedly.

The company behind it

Bit2Me is run by Bitcoinforme S.L., a company based in Spain, and it has been trading since 2014. Its regulator is CNMV and Comision Nacional del Mercado de Valores (CNMV), the Spanish market authority, and the registered entity appears in the European register of crypto asset service providers under licence MiCA CASP 9598007R5LSUJLGLS853. That register entry is where the authorisation itself is published, so it settles who stands behind the account. Customer support runs through help centre, email and chat, covering questions about card limits, conversion charges and account access by email or in chat, with a help centre for the standing answers. Readers weighing a Spanish-licensed provider against an unlicensed one can compare the register entries directly.

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

Is there a monthly fee for the Bit2Me card?+

The monthly fee is €0, so keeping the card in a wallet adds nothing to a monthly budget. Foreign spending is where money moves, though: the currency conversion fee of 0.95% applies on each purchase made outside the account currency. Budget against the second number, not the first.

How much does Bit2Me charge to convert currency?+

A currency conversion fee of 0.95% is applied when your balance is converted into the currency you are spending in. The card runs on the mastercard network, so the conversion happens at the network rate and the fee sits on top of it. Readers comparing cards can weigh that against a provider charging 0%.

What are the trading fees on the exchange?+

Taker fees are 0.6% and maker fees 0.5%. For scale, the site median taker fee is 0.2%, so frequent trading costs more here than at a typical venue. The venue is a cex setup, and euros are added through sepa, bank and card.

How many coins can I buy on Bit2Me?+

The listing runs to 244 coins, and the wallet supports 244. The site median for a listing of this kind is 62, so the range sits well above the middle of the market. The wallet is a mobile app, which keeps buying and holding in the same place.

How do I add euros to my account?+

Fiat deposits run through sepa, bank and card, which covers SEPA, bank transfer and card funding. That gives a choice of speed and cost depending on the method used. Buying then happens on the exchange inside the same app, so a balance moves straight from the deposit to the coin you want.

Is Bit2Me regulated?+

The regulator is CNMV and Comision Nacional del Mercado de Valores (CNMV), the Spanish market authority, and the entity Bitcoinforme S.L. is listed in the European register of crypto asset service providers under licence MiCA CASP 9598007R5LSUJLGLS853. The country of that registered entity is ES, and the register is where the authorisation is published.

Do I hold the coins myself?+

Custody is custodial, so the coins sit with the platform and your access runs through the app rather than a key you hold. That keeps the day-to-day handling simple, and it means the platform is the counterparty if something goes wrong. Bit2Me does not publish proof of reserves.

How do I get help if the card is blocked while I am away?+

Support runs through help centre, email and chat, so a blocked card abroad goes to email or chat, with the help centre holding the standing answers. A replacement, a limit query or a disputed charge travels through the same channels. There is no phone line listed, which is worth weighing before a trip.

Sources

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

Not confirmed yet: Free ATM withdrawals, Protection.

Bit2Me

Bit2Me

Everyday spending from a crypto balance, with a monthly fee of €0.

8.9/10See alternatives