Bitrefill Card review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bitrefill Card suits crypto holders who want to spend from self-custody, since your own keys stay with you. It costs nothing to hold, with a monthly fee of €0, though the loading spread is the real cost to watch.
Key facts
- Best for
- Spending crypto directly from a self-custody wallet with no monthly charge.
- Monthly fee
- €0↗
- Currency conversion fee
- 0%↗
- Free ATM withdrawals
- €0↗
- Card type
- Debit↗
- Top-up fee
- Variable spread reflecting the crypto to fiat exchange cost↗
- Cashback rate
- 2%↗
- Card network
- Visa↗
- Custody
- Self custody↗
- Legal entity
- Airfill Prepaid AB (559001-6035)↗
- Headquarters
- Sweden↗
- Founded
- 2014↗
- Support channels
- Email, Chat, Help-centre, Community↗
- Features
- Crypto, Self-custody, Virtual card, Travel
- Official website
- bitrefill.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Monthly fee of €0 and a currency conversion fee of 0%
- Self-custody, so the card is one of the few in the category built on self custody
- Cashback of 2% on card spend
- Virtual card and travel options alongside the physical debit card
Cons
- No free ATM allowance: €0
- Loading carries a Variable spread reflecting the crypto to fiat exchange cost, so the real cost sits in the spread
- Support runs on email, chat and help centre only, with no phone line listed
Who it suits
- Crypto holders who keep their own keys under self custody
- Travellers who want card spending without a conversion fee
- Existing Bitrefill users, the brand was founded in 2014
Who should look elsewhere
- Cash users, since the Variable spread reflecting the crypto to fiat exchange cost only makes sense against crypto
- People who need phone support, as email, chat and help centre lists no calls
- Those wanting a card with a free ATM allowance, €0 applies
Trading and withdrawal fees
The card itself costs nothing to hold: the monthly fee is €0 and the currency conversion fee is 0%. The cost to plan for is the top-up side. Loading the card is described as a Variable spread reflecting the crypto to fiat exchange cost, so what you pay depends on the crypto to fiat exchange cost at the moment you load. Compare that spread with the card's 2% cashback before deciding which side of the trade pays you back.
Where it sits among rivals
On cost the card sits at the top of the field. It ranks 1 of 379 brands for monthly fee and 1 of 237 for currency conversion fee, both first out of those ranked. The weaker spot is cash withdrawals, where 38 of 104 brands is a middling position rather than a lead.
How Bitrefill Card compares
9.1 vs 9.4
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9.1 vs 9.0
9.1 vs 9.1
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9.1 vs 8.1
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 8.9- 9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.3
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 each month?+
The monthly fee is €0, so holding the card adds nothing to a monthly budget. Spend is funded from crypto you already hold, and the card is a debit card on the visa network.
Are there any fees when I convert or spend?+
The currency conversion fee is 0%, which is the standout figure here. Cards that also convert usually charge a percentage on every transaction, so keeping the fee at 0% makes foreign purchases cheaper.
What is the catch when I add money to the card?+
Loading is where cost enters the picture. The terms describe the load fee as a Variable spread reflecting the crypto to fiat exchange cost, so the price of topping up moves with the crypto to fiat exchange cost. That spread is the figure to watch, not the monthly fee.
Do I keep control of my crypto?+
Yes, the card is built on self custody. Your funds stay under your own control rather than being held by a company balance, which is unusual for a spending card in this category.
Is there cashback on spending?+
Card spend earns cashback of 2%, credited back to the account. Compare that return with the load spread before deciding whether the card pays for itself.
Can I withdraw cash at an ATM?+
The free ATM allowance is €0, so treat cash machines as a cost rather than a free perk. The card is built for merchant spending and travel rather than cash.
What card can I get and does it work while travelling?+
The card is a debit card running on visa, and crypto, self custody and virtual card covers a virtual card option and travel. A virtual card is handy for online subscriptions where you would rather not hand over the physical card.
How do I reach help if something goes wrong?+
Support comes through email, chat and help centre, which covers email, chat, a help centre and a community. Anyone who needs to pick up the phone should look elsewhere.
Who is the card issued by and where is it based?+
The card runs through Airfill Prepaid AB (559001-6035), a Swedish prepaid company, and Bitrefill is based in Sweden. The brand has been running since 2014.
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/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/limits checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee, Top-up fee
“ATM Withdrawal 2.49%”
- 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 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
Bitrefill Card
Spending crypto directly from a self-custody wallet with no monthly charge.