Bit Store Card
Visa + MastercardcustodialKYC: none
2.5 / 5
Net Reward0.0
Availability3.0
Custody & Risk2.0
Features4.0
Bit.Store Card is a prepaid crypto payment card offering virtual (no-KYC), physical (KYC-required), and gift card formats for spending digital assets at Visa and Mastercard merchants worldwide. Supporting 40+ cryptocurrencies with fiat conversion for purchases and ATM withdrawals across 150+ countries, though 2025 user reports indicate prolonged service outages and blocked fund access, raising serious reliability concerns.
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Slug: bit-store-card
Our Verdict
Privacy-conscious users who prioritize minimal KYC requirements, global crypto enthusiasts in underserved regions, and risk-tolerant users willing to adopt a spend-as-you-go approach with amounts they can afford to lose access to
Pros and cons
Pros
- No-KYC virtual card option is rare in the industry and appeals to privacy-focused users
- Broad global availability across 150+ countries exceeds many competitors
- Support for 40+ cryptocurrencies including BRC-20 tokens provides flexibility
- No staking requirements to access card benefits, unlike some competitors
- Integration with Telegram, Apple Pay, and Google Pay enhances usability
- Competitive reload fees (1.5% crypto, 2% EUR) when service is operational
Cons
- Critical reliability issues continuing throughout 2025 with many users unable to access funds for months
- Monthly maintenance fees continue even during extended service outages
- Poor customer support responsiveness during service disruptions
- Fully custodial model with no mentioned insurance presents security risks
- Physical card limited to €50,000 monthly loads and €5,000 daily loads
- Not available in the United States despite holding MSB license
- Limited transparency around exact cryptoback reward rates
- 2% foreign transaction fee outside Europe
Supported chains
BaseBitcoinEthereum
Supported cryptos
BTCETHUSDCUSDT
Fees
Monthly: €1 ($1 USD) per active card
Issuance: See card_tiers
Atm Non Uk: 2% (minimum €3) for non-EUR outside Europe
Crypto To Fiat: 1.5% (crypto reload fee)
Fiat Withdrawal: 2% (EUR reload fee)
Purchase Transaction: No fee (EUR)
Key Features
- No-KYC virtual card option ($10,000 monthly limit)
- KYC physical card (€100,000 max balance)
- Supports 40+ cryptocurrencies including BTC, ETH, stablecoins, and BRC-20 tokens
- Available in 150+ countries with Visa/Mastercard acceptance at 100+ million merchants
- Cryptoback rewards on purchases with physical card
- Integration with Apple Pay, Google Pay, and Telegram bot
- No token staking requirements for any card tier
- Free virtual card issuance with instant delivery
- Multiple card management capability
Limitations
- CRITICAL: Extended service outages continuing into 2025 with many users unable to access funds for months
- Monthly maintenance fees continue even during extended service outages
- Fully custodial model with no insurance coverage mentioned
- Poor customer support responsiveness during service disruptions
- Not available in the United States despite holding MSB license
- Physical card limited to €50,000 monthly loads and €5,000 daily loads
- 2% EUR reload fee / 1.5% crypto reload fee when loading the card
- Limited transparency around exact cryptoback reward rates
- 2% foreign transaction fee outside Europe
- May not work for certain pre-authorization holds (car rentals, hotels)
Risks
- CounterpartyExtended service outages with users unable to access funds for monthsMultiple user reports from January through October 2025 indicate many cardholders unable to access funds or use cards, with Bit.Store citing ongoing 'maintenance'
- CounterpartyMonthly fees continue to be deducted during service disruptions from trapped balances2025 user reports
- CounterpartyUnresponsive or unhelpful customer support during crisesTrustpilot reviews from January through October 2025
- CounterpartyDependency on Alchemy Pay payment infrastructure may contribute to reliability issuesMultiple user complaints specifically reference Alchemy Pay in connection with blocked cards and inaccessible funds
- SecurityFully custodial model with no mentioned insurance presents security risksNo specific insurance coverage is mentioned for crypto deposits
- RegulatoryNo-KYC virtual card operates in regulatory gray area; regulations around crypto cards are evolving rapidlyRegulatory pressure could force changes to this model
Rewards & Cashback
Notes: Unlimited Cryptoback on Every Purchase. No staking requirements to earn rewards. No apparent tiers or spending thresholds to increase reward rates.
Cashback Cap: No caps on total rewards earned
Reward Token: $STORE token
Cashback Rate: Approximately 0.5-1% (physical card only, user reports)
Eligibility Requirements: Physical card holders (KYC-verified accounts) only
Spending Limits
Notes: Maximum balance: $10,000 USD (virtual) / €100,000 (physical). Daily load limit: €5,000 (physical). Minimum load: $15 USD equivalent in crypto.
Atm Daily: €2,000 (physical card only)
Daily Spending: €5,000 (physical card)
Monthly Spending: $10,000 USD (virtual) / €50,000 (physical)
Top-Up Methods
Cryptocurrency (40+ supported)EURBit.Store web appTelegram botIntegrated exchange platforms (Gate Pay, Binance Marketplace)
Max Amount: $10,000 USD monthly (virtual) / €50,000 monthly (physical)
Min Amount: $15 USD equivalent in crypto
Processing Time: Minutes after blockchain confirmations
Security Features
Features: 2-Factor Authentication (2FA),EMV chip and PIN (physical cards),NFC/contactless with security limits,Card freezing capability through app,AML monitoring for suspicious activity
Insurance: No specific insurance coverage mentioned
Mobile Wallet Support
Apple PayGoogle PayWeb appTelegram bot (@BitStoreCard_Bot)
Best For
Privacy-conscious users who prioritize minimal KYC requirements, global crypto enthusiasts in underserved regions, and risk-tolerant users willing to adopt a spend-as-you-go approach with amounts they can afford to lose access to
Custody Model
custodialPlatform holds all crypto on behalf of users. Users do not control private keys; funds are managed by Bit.Store. Crypto must be converted to fiat and loaded onto the card before use.
Risk: If provider disappears, users lose access to funds. No specific insurance coverage is mentioned for crypto deposits.
Card Issuer & Compliance
Issuer Name: Bit.Store through licensed entities including Bitstore Europe UAB
Kyc Required: false
Issuer License: European Electronic Money Institution (EMI) license in Lithuania (#306465386)
Platform Licenses: European EMI license in Lithuania (Bitstore Europe UAB, #306465386),Hong Kong Money Service Operator (MSO) license,U.S. Money Services Business (MSB) registration,Canadian MSB license,Indonesia trade license,Additional regulatory coverage through partnership with Alchemy Pay
Availability
Available in 54 countries across Europe (all EEA countries plus UK and Switzerland), Americas (Canada, Argentina, Brazil, Chile, Colombia, Peru), Asia-Pacific (Hong Kong, Singapore, Indonesia, Malaysia, Philippines, Thailand, Vietnam, India, Bangladesh, Australia, New Zealand), and Africa/Middle East (Egypt, Nigeria, Kenya, UAE, Saudi Arabia). Restricted in 8 countries including United States (despite holding MSB license), China, Russia, Belarus, and sanctioned jurisdictions.
Card Tiers
Virtual Card (No-KYC)
Virtual onlyVirtual only
None - no KYC required
Fees
Issuance: Free
Top-up: 1.5% (crypto) / 2% (EUR)
Monthly: €1 ($1 USD)
Monthly Limit: $10,000 USD
VisaMastercardApple PayGoogle Pay
Cashback: No
ATM Free: Not available
Instant delivery (~3 minutes)Multiple virtual cards allowedPrivacy-focused
Physical Card (KYC-Verified)
PhysicalPhysical plastic with EMV chip, PIN, NFC
Full identity verification (identity document, selfie, possibly proof of address)
Fees
Issuance: €29.50
Top-up: 1.5% (crypto) / 2% (EUR)
Monthly: €1 ($1 USD)
Monthly Limit: €50,000
MastercardApple PayGoogle Pay
Cashback: Approximately 0.5-1% in $STORE token
ATM access worldwideUp to 3 physical cards per verified account€100,000 maximum balance€5,000 daily load limit€5,000 daily payment limit€2,000 daily ATM withdrawal
Token Economics
$STORE
Referral: $1 USDT reward for both referrer and referee when a friend successfully applies for a TON Virtual Card via Telegram bot
User Ratings
2.0/5
Trustpilot
Poor rating largely due to reliability issues that have persisted well beyond initial late-2024 problems. Positive aspects noted include easy sign-up, global acceptance, and low fees when working properly.
Roadmap & Updates
Planned Features:
- Dedicated mobile app (development status unclear)
Conclusion
The Bit.Store Card offers an ambitious crypto spending solution with several compelling features, including no-KYC options, broad global availability, support for numerous cryptocurrencies, and integration with major payment networks. The tiered approach provides flexibility from the free virtual card for privacy-conscious users to the higher-limit physical card with cryptoback rewards. However, the service has been plagued by critical reliability issues that have persisted and worsened throughout 2025. Multiple user reports from January through October 2025 indicate that many cardholders have been unable to access their funds or use their cards for extended periods, with Bit.Store citing ongoing 'maintenance.' During these outages, monthly fees continue to be deducted from trapped balances, and customer support has been largely unresponsive. Until Bit.Store demonstrates sustained reliability, restores service for affected users, and improves customer support, this card cannot be recommended. Users who choose to proceed despite these warnings should adopt a strict 'spend-as-you-go' approach by loading only amounts they are fully prepared to potentially lose access to for indefinite periods.
Card launched: Late 2023
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