Bit2Me Card logo

Bit2Me Card

MastercardcustodialKYC: required
3.5 / 5
Net Reward4.8
Availability2.0
Custody & Risk2.0
Features4.0
UX3.9
The Bit2Me Card is a Mastercard debit card enabling users to spend cryptocurrencies and stablecoins at merchants worldwide through real-time wallet-to-fiat conversion. Available as virtual and physical cards, it's issued by Pecunia Cards EDE, S.L.U. under Spanish regulatory authorization and accessible to most EEA residents (excluding Ireland) and Argentina.
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Slug: bit2me-card

Our Verdict

Active crypto investors in supported EEA countries or Argentina who want to use their holdings for everyday expenses, frequent shoppers who can maximize cashback rewards, and existing Bit2Me users who can leverage their Space Center tier for enhanced benefits.

Pros and cons

Pros
  • Industry-leading cashback rates of up to 7% base (potentially 39% with ecosystem bonuses)
  • No maintenance fees for virtual or physical cards
  • Flexible crypto wallet switching without additional steps
  • Mobile wallet integration with Apple Pay and Google Pay
  • Strong security features including instant card blocking and real-time notifications
  • Extra cashback at 300+ partner retailers via Bit2Me Life
  • Seamless ecosystem integration with other Bit2Me products and services
  • MiCA-authorized cryptoasset service provider with comprehensive regulatory oversight
  • Transparent fee structure with competitive crypto conversion rate (0.95%)
  • Free ATM withdrawals in Spain
Cons
  • Limited geographic availability (select EEA countries and Argentina only; Ireland excluded)
  • Argentina users receive virtual card only with different cashback structure (max 3.5%)
  • Physical card delivery initially prioritized for Spain (€5 surcharge outside Spain)
  • Tiered benefits system disadvantages lower-tier users (Level 0 receives no cashback)
  • Monthly cashback caps may limit rewards for high spenders
  • Limited user feedback due to recent launch
  • Cashback exclusions for financial services, casinos, lotteries, and betting
  • Foreign transaction fees apply outside the Eurozone (1.75%-2.00%)
  • No ATM withdrawals with virtual card
  • EUR wallet linking provides no cashback despite 0% conversion fee
Supported chains
BaseBitcoinEthereumPolygonSolana
Supported cryptos
BTCETHEURCMATICSOLUSDCUSDTXRP
Fees
Monthly: €0
Issuance: Free (virtual); €0-€20 (physical, varies by tier)
Atm Non Uk: €2.50 (Eurozone International); €0.55 + 1% min €0.75 (Outside Eurozone)
Crypto To Fiat: 0.95%
Purchase Transaction: €0 (Eurozone)
Key Features
  • Mastercard debit card for spending cryptocurrencies at any merchant worldwide
  • Available in both virtual and physical formats
  • Apple Pay and Google Pay integration
  • Real-time conversion of crypto to fiat at point of purchase with 0.95% transaction cost
  • Industry-leading cashback rates (0-7% base, up to 39% with ecosystem bonuses)
  • Tiered benefits system through Space Center levels
  • No maintenance fees for virtual or physical cards
  • Freedom to change preferred cryptocurrency wallet at any time
  • Additional cashback at 300+ partner stores via Bit2Me Life (Ikea, Uber, Fnac, Nike)
  • Real-time transaction notifications and instant card blocking/unblocking
  • Seamless integration with broader Bit2Me ecosystem
  • MiCA-authorized cryptoasset service provider (Spain's CNMV)
Limitations
  • Currently limited to European Economic Area (excluding Ireland) and Argentina residents
  • Argentina users receive virtual card only with different cashback structure (max 3.5%)
  • Physical card delivery initially prioritized for Spain (€5 surcharge outside Spain)
  • Lower-tier users receive minimal or no cashback benefits with monthly caps
  • No cashback for financial services, casinos, lotteries, and betting houses
  • Limited user feedback available due to recent launch (early 2023)
  • EUR wallet linking provides no cashback despite 0% conversion fee
  • No ATM withdrawals with virtual card
  • Foreign transaction fees apply outside the Eurozone (1.75%-2.00%)
  • Monthly cashback caps may limit rewards for high spenders
Risks
  • Counterparty
    Custodial model means users do not hold private keys; if provider disappears, users lose access to their crypto
    Explicitly stated in Self-Custody section
Rewards & Cashback
Notes: Up to +7% extra through Bit2Me Earn staking rewards. Up to +25% extra via Bit2Me Life merchant cashback offers at 300+ partner stores. Minimum cashback: €0.01.
Cashback Cap: €0-€900/month depending on tier
Reward Token: B2M (Bit2Me token)
Cashback Rate: 0%-7% base depending on Space Center tier (up to 39% total with ecosystem bonuses)
Excluded Transactions:Financial services, Casinos, Lotteries, Betting houses, EUR wallet transactions (0% cashback regardless of tier)
Eligibility Requirements: Space Center tier level determines cashback rate. Level 0 receives no cashback.
Spending Limits
Notes: Level 0-1: €1,000 transaction/daily, €5,000 monthly, €50,000 annual. Level 2: €1,500 transaction/daily, €10,000 monthly, €100,000 annual. Level 3: €2,000 transaction/daily, €15,000 monthly, €150,000 annual. Level 4-7: €2,500 transaction/daily, €20,000 monthly, €200,000 annual. Minimum purchase amount: €0.30.
Daily Spending: €1,000-€2,500 depending on tier
Per Transaction: €1,000-€2,500 depending on tier
Monthly Spending: €5,000-€20,000 depending on tier
Top-Up Methods
No pre-loading required - funds deducted from selected Bit2Me crypto or fiat wallet at purchase
Processing Time: Real-time at point of purchase
Security Features
Features: Instant card blocking/unblocking,Cold wallet protection for crypto storage,Real-time transaction notifications,Multi-factor authentication (3DS and 2FA)
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best For
Active crypto investors in supported EEA countries or Argentina who want to use their holdings for everyday expenses, frequent shoppers who can maximize cashback rewards, and existing Bit2Me users who can leverage their Space Center tier for enhanced benefits.
Custody Model
custodial
Platform (Bit2Me) holds all crypto assets on behalf of users. Users control spending via app but do not hold private keys. Real-time crypto-to-fiat conversion at purchase; funds are not in user wallets.
Risk: If provider disappears, users lose access to their crypto.
Card Issuer & Compliance
Issuer Name: PECUNIA CARDS EDE, S.L.U. (PECUNPAY)
Kyc Required: true
Issuer License: Electronic Money Institution supervised by Bank of Spain, registered under CSB 6707
Platform Licenses: MiCA-authorized Cryptoasset Service Provider,Authorized by Spain's CNMV (Comisión Nacional del Mercado de Valores) - July 28, 2025
Availability
Available in 33 countries including most EEA countries and Argentina. Argentina users receive virtual card only. Ireland is notably excluded despite being an EEA member.
Card Tiers
Level 0
Physical
0 points
Fees
Issuance: €0 (virtual); €20 (physical)
Monthly: €0
Monthly Limit: €5,000
Annual Limit: €50,000
MastercardApple PayGoogle Pay
Cashback: 0%
No cashback€1,000 transaction limit€1,000 daily limit
Level 1
Physical
1,000 points
Fees
Issuance: €0 (virtual); €20 (physical)
Monthly: €0
Monthly Limit: €5,000
Annual Limit: €50,000
MastercardApple PayGoogle Pay
Cashback: 0.25%
€7.50 max monthly cashback1% fee discount6% extra APY on Earn10% Launchpad likelihoodTravel and accommodation discounts via Bit2Me Life
Level 2
Physical
2,000 points
Fees
Issuance: €0 (virtual); €20 (physical)
Monthly: €0
Monthly Limit: €10,000
Annual Limit: €100,000
MastercardApple PayGoogle Pay
Cashback: 0.5%
€15 max monthly cashback5% fee discount8% extra APY on Earn30% Launchpad likelihood€1,500 transaction/daily limit
Level 3
Physical
3,000 points
Fees
Issuance: €0 (virtual); €10 (physical)
Monthly: €0
Monthly Limit: €15,000
Annual Limit: €150,000
MastercardApple PayGoogle Pay
Cashback: 1%
€30 max monthly cashback15% fee discount11% extra APY on Earn50% Launchpad likelihood€2,000 transaction/daily limit
Level 4
Physical
4,000 points
Fees
Issuance: €0 (virtual); €5 (physical)
Monthly: €0
Monthly Limit: €20,000
Annual Limit: €200,000
MastercardApple PayGoogle Pay
Cashback: 2%
€100 max monthly cashback30% fee discount14% extra APY on Earn70% Launchpad likelihood€2,500 transaction/daily limit
Level 5
Physical
5,000 points
Fees
Issuance: €0 (virtual); €0 (physical)
Monthly: €0
Monthly Limit: €20,000
Annual Limit: €200,000
MastercardApple PayGoogle Pay
Cashback: 3%
€300 max monthly cashback50% fee discount15.5% extra APY on Earn90% Launchpad likelihood€2,500 transaction/daily limit
Level 6
Physical
6,000 points
Fees
Issuance: €0 (virtual); €0 (physical)
Monthly: €0
Monthly Limit: €20,000
Annual Limit: €200,000
MastercardApple PayGoogle Pay
Cashback: 5%
€500 max monthly cashback75% fee discount17% extra APY on Earn95% Launchpad likelihood€2,500 transaction/daily limit
Level 7
Physical
9,000 points
Fees
Issuance: €0 (virtual); €0 (physical)
Monthly: €0
Monthly Limit: €20,000
Annual Limit: €200,000
MastercardApple PayGoogle Pay
Cashback: 7%
€900 max monthly cashback100% fee discount19.2% extra APY on Earn100% Launchpad likelihood€2,500 transaction/daily limit
Token Economics
B2M
Fee Discounts by Token Holdings
Level 1 (1,000 points) tokens1% off
Level 2 (2,000 points) tokens5% off
Level 3 (3,000 points) tokens15% off
Level 4 (4,000 points) tokens30% off
Level 5 (5,000 points) tokens50% off
Level 6 (6,000 points) tokens75% off
Level 7 (9,000 points) tokens100% off
Staking APY
Level 16% extra APY on Earn APY
Level 28% extra APY on Earn APY
Level 311% extra APY on Earn APY
Level 414% extra APY on Earn APY
Level 515.5% extra APY on Earn APY
Level 617% extra APY on Earn APY
Level 719.2% extra APY on Earn APY
Merchant Restrictions
Financial services- No cashback provided
Casinos- No cashback provided
Lotteries- No cashback provided
Betting houses- No cashback provided
User Ratings
3.8/5.0 (2,142 ratings)
Trustpilot
3.9/5.0 (8,439 ratings)
Google Play
4.3/5.0 (18 ratings)
App Store
Limited direct user feedback specifically about the card due to recent launch (early 2023). Benzinga's review of the overall Bit2Me platform notes 'It's a struggle to find any negative points,' though this refers to the entire ecosystem rather than specifically to the card.
Roadmap & Updates
Expansion: Potential for broader geographic availability in the future, subject to regulatory approvals
Conclusion
The Bit2Me Card represents a significant advancement in cryptocurrency payment solutions, particularly for European residents in supported countries. Its standout feature is undoubtedly the generous cashback structure that can reach up to 7% at base level and potentially higher with ecosystem integration through Bit2Me Earn and Bit2Me Life, making it one of the most rewarding crypto cards currently available. The card successfully bridges the gap between crypto holdings and everyday spending with a transparent 0.95% conversion fee, all while offering the worldwide acceptance of the Mastercard network. The absence of maintenance fees, competitive transaction costs, and the flexibility to switch between different cryptocurrencies further enhance its value proposition. The recent MiCA authorization from Spain's CNMV adds an important layer of regulatory legitimacy and consumer protection. However, potential users should be aware of the geographic limitations (notably excluding Ireland despite its EEA membership) and the tiered benefits structure that heavily favors higher-tier users. Those at lower Space Center levels will receive significantly reduced benefits with restrictive monthly cashback caps, with Level 0 offering no cashback at all. Argentina users face additional constraints with virtual-card-only access and lower maximum cashback rates. For crypto enthusiasts in supported regions who make frequent purchases and can qualify for higher tier levels, the Bit2Me Card offers an exceptional combination of flexibility, rewards, and integration that makes it a compelling option in the growing crypto card market. Spanish residents particularly benefit from free physical card issuance and no ATM withdrawal fees domestically.
Card launched: Announced November 2021, launched early 2023
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