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29 September 2023
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The list of merchants that accept Bitcoin is continuously expanding. However, it’s still not possible to purchase everything with Bitcoin. But you can now order your own Bitcoin debit card, thanks to several companies in the Bitcoin ecosystem.

It’s as simple as it sounds. Bitcoin debit cards help bridge the Bitcoin world with traditional finance. You can either purchase Bitcoins with your debit card or load a debit card with bitcoins to then spend bitcoins at almost any credit card accepting merchant.

It is incredibly easy to buy bitcoins with a debit card. We recommend SpectroCoin.

Bitcoin debit cards do not allow users to spend bitcoins directly. However, they at least allow people to store balances in bitcoin.

Bitcoin balances can be held up until the need to spend because most debit card top ups only take a couple of seconds to confirm.

In this article, we’ll take a look at seven of the market’s best Bitcoin debit cards. Bitcoin has made a lot of progress in seven years, and perhaps in the year 2025, the vast majority of the mainstream world will offer a Bitcoin payment option just as ubiquitously as they do PayPal. The world still runs on plastic. That’s why the Bitcoin business community has begun to offer more and better debit card options over the last three years.

Pros of Using a Bitcoin Debit Card

The pros are pretty obvious. Now, any place that accepts credit or debit cards would accept your Bitcoin debit card as well, which means that you can now buy virtually anything with Bitcoin. The merchants get paid in their own currency by the debit company and the charge will be deducted from your Bitcoin balance, which allows you to live purely on Bitcoin.

For example, Bitcoin debit card is like the traveller’s check of the digital age. I always take my Bitcoin debit card when I travel abroad, as a backup card in case my money gets stolen.

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Cons of Using a Bitcoin Debit Card

Centralization is the major con of a Bitcoin debit card. You need to deposit money into your account at the debit card company in order to use the card. This means you’re giving control over your coins to a 3rd party. This risk is decreased by not depositing too many Bitcoins into your balance. Basically, you should deposit only an amount you can afford losing in case of a hack. Also, since you are using the service of these companies it comes with a price. This means that you can’t ignore the fees that Bitcoin debit card companies charge.

There are seven Bitcoin debit card companies currently available. Here’s a short summary of each one and their pros and cons.

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Cryptopay Debit Card

cryptopay card

The Cryptopay bitcoin debit VISA card is the oldest and most established Bitcoin debit card, with over 23,000 issued. The CryptoPay card comes up first in the results if you look up “Bitcoin debit cards” in Google. Let’s see if that means it is the best debit card!

Cryptopay supplies a Bitcoin debit card that is available worldwide, and this card has made it simple for customers to spend bitcoins at millions of businesses around the world.

Benefits include access via the three major currencies, and the card can be bought with these currencies, or with Bitcoin. The card price is slightly above average, at $15, and it is shipped for free anywhere in the world. ATM withdrawal costs $2.5. Also, international currency change adds another 3% on each transaction. You can either order a virtual debit card if you’re just into online shopping, or a physical card with a chip & pin. Another great bonus of Cryptopay is that if you don’t need high card limits, you do not have to supply full ID verification.

For buys both offline and online, Cryptopay makes the process convenient for users and easier than ever for merchants, and in Europe you’ll get faster delivery times (about 5 business days).



  • Supplies both physical and virtual cards
  • Available worldwide
  • Access via the three major currencies


  • Maintenance and load fees
  • You can only load up to €2500 in your card if you’re not verified


Uquid VISA Debit Card

Uquid guaranteed for free access to Bitcoin, DASH, Monero, Ripple, PIVX, Litecoin, Ethereum, and other 75 cryptocurrencies network. Customers can send one of a growing number of supported cryptocurrencies to Uquid. These cryptocurrencies are instantaneously converted into USD, GBP or EUR and loaded onto a visa debit card.

Uquid enables users to utilise all the benefits of transfer coins into the debit card with real market price and without any hassle. This means that you can manage your money in a way that is completely secure.

Unbanked and travellers can obtain a Visa debit card with no identification or credit check required. There is also a free and fast delivery to 178+ countries.

Uquid users can spend over 75 different cryptocurrencies on mobile top ups, bill payments, PIN-less calls, Wi-Fi recharges, transportation tickets, and food and pharmacy vouchers.



  • 0% fees for pos buys
  • Instant issue and fast delivery with only 1 USD/GBP/EUR
  • Free online shopping
  • Online Verification
  • Linked to Paypal
  • Valid for 36 months


  • Charges 3% currency exchange fee
  • The international cash withdrawals cost $3.00
  • Domestic ATM withdrawals are charged at $2.50 per transaction
  • Poor English on their website
  • New company


SpectroCoin VISA Debit Card

SpectroCoin offers Bitcoin prepaid cards, which can be denominated in dollars (USD), euros (EUR) or pounds (GBP). The card is funded instantly. This means that you do not have to worry about exchanging your bitcoins in advance. Also, these cards can be used at any ATM around the globe or shops as an ordinary payment card.

SpectroCoin is based in London and they started to issue bitcoin debit cards in May, 2015. However, the company is now registered as a Lithuanian Company. It is important to note that you need to provide a passport or ID card or utility bill in order to verify your card.

Both physical and virtual bitcoin debit cards are available and are accepted at the more than 20 million sites and online shops across the internet. Physical bitcoin cards can be used to spend bitcoins anywhere physically and online and they are delivered within 1-4 weeks. Virtual bitcoin cards can be used to spend bitcoins anywhere online and they are issued instantly.

You can pay with bitcoins wherever you want. SpectroCoin bitcoin debit card can be linked to PayPal or any other online wallet, and is also accepted everywhere where MasterCard or VISA is accepted. That includes physical shops, online sites, and automated teller machines (ATMs) for cash withdrawal.

You are not obliged to complete verification immediately. However, you will have to verify your account if you want to benefit from higher debit card limits. Spectrocoin allows max 2 ATM transactions per day, in a total amount of $2000, and verified users can load their Spectrocoin card with maximum $10000 at once. There is no limit for POS usage. Also, Spectrocoin offers POS load services for verified users. The Spectrocoin card is able to receive funds from third party merchants like PayPal and Gambling sites if it is verified. Unverified users may also use Spectrocoin services. However they are then exposed to certain limits. At ATMs unverified users are only able to withdraw $200 at a single time, $400 daily from maximum 2 transactions, and total ATM withdrawal limit for unverified users is $1000. POS load service is not available for unverified users and the maximum top-up amount is only $2500. But even unverified users can shop online or pay at POS terminals unlimited amount of money from their bitcoin debit card.

Immediate loading. Another great thing is that Bitcoin debit cards can be loaded instantly from SpectroCoin wallet.

Verified cardholders enjoy unlimited lifetime withdrawals and deposits to the bitcoin debit card.

Various digital currencies. This debit card can be funded with multiple digital currencies including Bitcoin, DASH and more.

Cards in several currencies are available, and USD (US dollar), GBP (pound), and EUR (euro) cards are issued.

Low fees are guaranteed for SpectroCoin bitcoin debit card holders, and a monthly service charge fee is $1. However, if the balance of the account is zero, this fee is not charged. The dollar, euro or pound denominated debit card costs $9.00/€8.00/£6.00. It is also important to note that there is no inactivity fee. This means that users can try out the card relatively easy and cheap.



  • The company card is available
  • Apps available for Windows mobile users too
  • Available for all users world-wide


  • The owners of the company are not listed on the site
  • Expensive shipping
  • The verification timeline is not detailed
  • Scam report and complains
  • The FAQ does not offer a search function


Bitwala Visa Debit Card

Bitwala’s VISA debit card is another premier Bitcoin debit card by the company that gained fame for its ability to pay bills with Bitcoin. This is the most affordable bitcoin debit card on the market, both in terms of card price and the lowest, transparent fees that follow card usage. Bitwala issues prepaid debit cards that can be used with 44 cryptocurrencies and 20 currencies worldwide. The Bitwala team is based in Berlin since 2012. The 15 000+ Bitwala users are spread across 120 countries. They use one of the fiat or cryptocurrencies with great pleasure.

The Bitwala debit cards are issued in both virtual and physical forms. They cost €2.00 and can be funded with 20 different currencies and 44 cryptocurrencies. Besides the usual USD, EUR and GBP accounts, user may use the Bitwala bitcoin debit card with all European currencies, many currencies in Asia AUD and a couple of currencies in South America. Issuing the PIN code cost 0.80 EUR, while the monthly service fee is €1.

Denominated in Euros, you can use the Bitwala debit card to pay online and offline where VISA is accepted, and cardholders can also cash out at any ATM worldwide with the best rates and transparent fees. ATM withdrawals at domestic machines cost 2.25 EUR. On the other hand, ATM withdrawals at international machines cost 2.75 EUR+ 3% currency exchange rate. As you can see, withdrawing money from ATMs costs a little less than the market average.

Bitwala offers 2 shipping plans for their card:

  • Free of charge (after ordering, the card arrives within 7-10 business days)
  • For an extra fee of €69 the expedited shipping only takes 3-5 days.



  • It has good pricing structure
  • It supports 44 altcoins and 20 currencies
  • The owners work as C-level directors in the company


  • It is not available to US citizens
  • There is no search function in FAQ
  • It uses third party bitcoin exchanges, not own exchange price


Coinbase / Shift Card

Coinbase has a debit card, the Shift card. This was the first Bitcoin debit card available to U.S. residents, and it is currently available to residents in 41 U.S. states.

The daily spending limit is $1000, and the ATM withdrawal is maximized at daily $200 for customers with Coinbase account and $500 for customers with Dwalla account. After the order is placed, the Shift card arrives in about 5-7 business days. Users can activate the card from the mobile application directly or by calling the Help Desk. The PIN number is set default to the last 4 digit of the phone number provided at registration, which again can be changed by calling the Help Desk.

The Shift card connects to your Coinbase account, and for each debit card buy, it automatically withdrawals the necessary amount of bitcoins based on the dollar value of the transaction.

The Shift card costs $10 at issuance. Unlike other bitcoin debit card providers, the Shift card is completely free for now, but both Shift and Coinbase have announced that in the future there will be transaction fees for each buy. The ATM withdrawals are priced similarly to the other providers on the market, and international ATM withdrawals cost $3.50 while domestic cash withdrawals cost $2.50.

Purchasing online or offline on the US market is free of charge. However, there is an additional 3% currency exchange fee applied for international transactions.



  • Ability to easily connect to Coinbase or Dwalla account
  • Relatively low fees
  • There is no bitcoin conversion fee
  • There is no maintenance fee


  • Virtual card is priced the same as physical card
  • It is available only in 45 states around the US
  • It does not have its own wallet


Xapo Debit Card

Xapo was one of the first companies to supply a Bitcoin debit card, beginning operations as a company back in 2013. Xapo serves major markets like China, Japan, Canada, and the U.K, but it does not serve most African countries (except South Africa) and the US.

Xapo claim to offer most secured bitcoin storage option available. Their bitcoin wallets are easy to use and backed with a serious infrastructure, and they are known as of the Fort Knox of bitcoin.

The card arrives within 10 to 25 days depending on the distance and standard shipping is free. However, for an extra $55 DHL expedited shipping delivers the cards just within 7 days.

Xapo’s service cannot be used completely anonymously, and even unverified users must provide certain personal information, like name, phone number, e-mail, date and country of birth. Unverified users may withdraw $1 000 cash maximum and spend $2500 online. On the other hand, verified users have no limit on online purchases nor in ATM withdrawals. Only daily limits apply – daily ATM withdrawal at $2 000 which can come from 2 transactions, and POS spending is capped at $20 000.

The Xapo debit card costs $20 with a $1 for the PIN. The first year annual fees are free of charge. However, from next year it costs $12 annually. Xapo charges 1% fee for purchasing bitcoins. However, it has no network transaction fee for sending bitcoins using a Xapo account. Users may withdraw cash from international ATMs for $3.5 and domestic ATMs for $2.5. Buying with the Xapo debit cards cost no money in the card’s default currency, but foreign exchange fee is 3% if the purchase currency is not the same as the account’s base currency.

Using the Xapo account itself is free, which means that unlike many other bitcoin debit card provider, the funding of the account does not cost anything to the user.



  • No top up fees are charged
  • It has strong capital structure
  • It has high level of security
  • Established company reputation


  • US citizens are excluded
  • Shipping is expensive
  • Unverified user have limit for POS and online transactions
  • No chip and PIN


BitPay VISA Debit Card

Although this is the newest kid on the block, BitPay’s VISA debit card is probably the most exciting of the bunch. Bitpay is a well known company in the Bitcoin ecosystem. It provides payment solutions for individuals and businesses. It is the first Bitcoin debit card that is available to US residents from all 50 states, but you must have a home address (no PO boxes), Social Security number, and government-issued ID to apply.

The card costs a low $9.95 to obtain and there is also no charge to change your PIN (most cards here have a $1 charge.) This card arrives 7-10 days after purchase. It works with any ATM that works with VISA cards, and can also be used online, in-person.

You will pay a fee of 3% when traveling outside of the US to cover the cost of currency conversion. There is a $3.00 fee for any ATM or cash-back withdrawals outside of the US and a $2.00 fee for ATM or cash-back withdrawals inside the US.

Benefits include the highest limits of this comparison, because each card can hold up to $25,000 in funds, and up to $3,000 can be withdrawn daily, $750 at a time. These numbers are all highest in this review, which removes the need for any verification at all.

This card is exactly what you would want in a Bitcoin debit card. Customer support has been solid and the online account is easy to use. Transfers into dollars can be done in less than one minute and no documents needed for high limits.



  • Card is accepted worldwide
  • Well known and established company
  • Plenty of security and currency options to choose from
  • Online account is easy to use
  • Solid customer support


  • It requires verification
  • It doesn’t have chip and PIN
  • It is limited to US citizens only


Services to Avoid

  • E-Coin/Wirexapp– The signup process required a phone verification and was extremely poor. Then the account did not even function properly, so I am not sure they even offer a legitimate Bitcoin debit card at all. So I recommend to steer clear of these guys.
  • BitPlastic– It was among the first Bitcoin debit cards, but they do not appear to be innovating much. Supposedly they are TOR compatible. However, whenever I try to use their services, I get strange error messages. Maybe there is too much cyber security on my computer for them!! To get started, BitPlastic actually encourages you to use TOR email and a fake name. Your name is not printed on the card because it does not require your ID. This is a double-edged sword. You can take money out of ATM’s anonymously. However, it can be difficult to find an offline merchant who will accept a nameless card at checkout.


We have aggregated the top and most widely used Bitcoin debit cards from around the world.

The Full List Of Bitcoin Debit Cards

Bitwa.la | VISA ® Prepaid.Balance in EUR. FAQ, Fees and Limits, Card issuer: MyChoice, 0.5 % Load Fee, Mid-market-rates (BitStamp), Physical and Virtual Cards

WB21 | Due to a high demand the order form is currently deactivated. Mastercard Balance in USD, EUR, GBP, CHF, Account loading with BTC – 1%,    Card fees, Plastic Card, Virtual Card, connected with smart phone’s NFC

Coinsbank  |  Mastercard & VISA. Fees and limits Balance in BTC,  LTC, USD, EUR, GBP, RUB, Card issuer: MyChoice/WaveCrest (Named VISA), FSC (Anonymous MasterCard), Instant Virtual Cards (MyChoice VISA), Real-time conversion

Xapo | VisaBalance in BTC,   Fees, Card issuer: MyChoice, Real-time conversion

Uquid | Visa  Fees  Limits Balance in USD, EUR. GBP Card issuer: Wave Crest/MyChoice

Advcash |  Mastercard. Balance in USD, EUR  Fees,  Card issuer: Wave Crest/MyChoice

cryptopay.me | Balance in USD, EUR, GBP

Coinizy | VisaBalance in USD, Not available in some countries

Spectrocoin | Visa    Fees and limits, Balance in USD, EUR, GBP. Card issuer: MyChoice

BitPay | Visa   coindesk, Balance in USD, Card issuer: Metropolitan Commercial Bank

Bitnovo | Balance in EUR

Shift | Visa. Balance in BTC (Coinbase)

worldcore.eu | Fees,  Mastercard.  Loading with BTC – 3%,  Balance in  USD, EUR

MoneyPolo | Visa, Mastercard.  Balance in USD, EUR, GBP

Wirex (former e-coin) | Fees and limits,  Mastercard (plastic),  Balance in USD, EUR, GBP,  Card issuer MyChoice/WaveCrest

ANX | Visa. Balance in USD,  FAQ,  Card issuer: mBank (Poland)

Rock Trading

DSX.uk | Balance in USD, EUR,  MasterCard via epayments

bitstamp.net | Balance in USD, EUR, GBP,  Fees and limits,  Card issuer: AstroPay

Wagecan | Mastercard. Balance in USD, EUR   (soon BTC),  Fees,  Card issuer: TransForex (Hong Kong)

getonebit.com | in development. Can be used at POS-terminals with NFC,  Maestro PayPass and Visa PayWave Balance in BTC,   Discussion on reddit

bitnation.co | Visa,   Fees and limits

SatoshiTango | Visa. Balance in USD,  Card issuer: MyChoice

Bitfinex + Blade Payments | comming soon,  Article,  Balance in BTC  

plutus.it | in development. Can be used at POS-terminals with NFC,  Maestro PayPass and Visa PayWave,   Balance in BTC,  Discussion on reddit

cryptobuyer.io| Visa. Restricted to Venezuelans. Card issuer: MyChoice.

Shakepay.co | Virtual cards + NFC. Balance in 21 currencies (fiat),  Visa

capitalist.net | switch to English on top-right. Visa,  Balance in USD, EUR,  Card issuer: Wave Crest/MyChoice

Source: captainaltcoin

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