Bitcoin debit cards – prepaid Visa and Mastercard Comparison

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The best way to use Bitcoin for purchases in offline stores, as well as turn your Bitcoin into cash, is through Bitcoin debit cards. Bitcoin cards are prepaid plastic cards that are tied to your Bitcoin wallet at the card issuer level. They are often called “wallet cards” – you load the respective Bitcoin wallet with BTC and you conveniently spend it wherever you need.

The Bitcoin ATM cards are debit cards, meaning there is no credit line tied to them. They are also prepaid, which means you can spend only whatever you load to the card previously. You are loading Bitcoin (or other cryptocurrency) into a special wallet that is connected to the plastic card. As you pay or withdraw cash, your BTC is converted to a fiat currency (USD, EUR etc.) and the payment is made.

Bitcoin Visa or Mastercard card?

Both Visa and Mastercard are used for prepaid cryptocurrency cards. As you browse the comparison below you will see similarities between all Visa cards (limits for unverified customers, fees etc.) and between all Mastercard cards. Most often Mastercard debit cards allow higher POS spending and withdrawal limits.

UPDATE: On January 5th Visa suddenly banned all cards issued by WaveCrest, which makes about half of the VISA cards on the list below. We are waiting for the news from companies and will update the article but for now we recommend getting a Spectrocoin card (shipping new cards soon), since AdvCashhas been hit with the WaveCrest ban too.

Free cards?

We’ve reviewed options that let you get a free Bitcoin debit card, see the pricing comparison below. Please note that free cards are compensated with higher fees for most operations.

Can you get an anonymous Bitcoin debit card?

Around half of the prepaid card providers let you have an “unverified”, i.e. an anonymous card. However, due to strict AML and KYC regulations the limits for such card will be low. All of the anonymous cryptocurrency cards will have a lifetime limit, which means that after loading and withdrawing a certain amount to them the cards will stop working (unless you verify your ID). Still, anonymous cards are convenient for gifts, off-the grid payments and card reviews.

See the Bitcoin debit card comparison list for further details. Sort the table by the parameter you need and make sure to apply for the card you like today, since it takes time to issue and deliver your card.

JAN 29 2018 UPDATE: Most cards on this list are disabled due to VISA issues; AdvCash that we recommended got his as well. Currently the Mistertango (see table below) card works, and Spectrocoin is almost ready with replacement cards. Sign up for Spectrocoin to get in line for yours!
URLCard typeVirtual card?Balance inCard priceCan be anonymous?Issuer JurisdictionAllows USA?ATM withdrawal feeBalance load limitATM daily limitFast shipping?
Spectrocoin Has a solution for WaveCrest ban, very promising
VISA/MasterCardyesUSD, EUR, GBP, DASH, ETH, BNK, XEM[$$-9] 9noLithuaniayes$2.5-$3.5$20000/day[$$-2,000] 2,000[$$-75] 75
Wirex AppVISAyesUSD, EUR, GBP[$$-17] 17yesUKno$3.50$10000/day$400/day unverified, $2000/day verified[$$-50] 50
CryptopayVISAyesUSD, EUR, GBP$15 +$1 monthlyyesUKno$2.5-$3.5$1000/lifetime unverirified, $20000/day verified$1000/lifetime for unverified, $2000/day for verified[$$-75] 75
UquidVISAyesUSD, EUR, GBP + 89 coins$17 +$1 monthlyyesUKno[$$-3] 3$2500/lifetime unverified, unlimited for verified$400/day unverified, $2000/day verified
BitWalaVISAyesEUR€ 8.00 +1 monthly feenoGibraltarno€ 2.75unlimited€ 2,000€ 69.00
AdvCashMasterCardyesUSD, EUR, RUB$5 to $15yesBelizeno$1.99$3 000/day funding limit$3 000
ExwalVISAyesUSD, EUR, GBP$15 +$1 monthlyyesUKyes[$$-4] 4$2500/lifetime unverified, unlimited for verified$400/day unverified, $2000/day verified[$$-75] 75
TierrapayVISAyesUSD, EUR, GBP$15 +$1 monthlyyesUKyes$2.5-$3.5$1000/lifetime unverirified, unlimited verified$1000/lifetime unverirified, unlimited verified[$$-80] 80
CoinsbankVisa, MasterCardyesUSD, EUR, GBP$15-100 + $1 monthly feeyesUKno[$$-5] 5$1000/lifetime unverirified, unlimited verified$400/day unverified, unlimited verified
WagecanyesUSD, EUR, GBP$15-100 + $1 monthly feenoHong Kongyes$2.5-$3.5$250/unverified, $10000/verified$100/unverified, $2000/verified
Shift CardVISAnoUSD[$$-10] 10noUSAyes[$$-4] 4$200 (coinbase) or $500 (dwolla)
XaponoUSD, EUR, GBP[$$-20] 20yesUSAyes$2.5-$3.5$1000/lifetime unverirified, unlimited verified[$$-2,000] 2,000[$$-55] 55
Shake Pay
$15 +$1 monthly
yesGibraltarno$2.5$1000/lifetime unverirified, unlimited verified
$400/day unverified, $2000/day verified
MistertangoMasterCardnoEUR$0noUKno (EEA/EU only)3%€20 000 annual
€1 000

The table is updated – leave a comment if you have another company that should be on the list!

  1. CryptoKid says

    Would be nice to have an update of this table with the issuer of the card, specially with the WaveCrest ban from VISA, to know additional options.

    thank you!

    1. Staff says

      Thanks for the comment! Yep we’re working on it, the ban took place on Friday so many companies are being slow with statements. Will update the table this week and email once it’s updated, so please sign up to the mailing list if you haven’t:

  2. bypassid says

    I’d hear several comment that platinumbitcoincard are SCAM.
    Can you confirm it ?

    1. Staff says

      We’ve been hearing that too. It’ll be off the table soon.

  3. Bamboozle says

    You’re doing god’s work.
    It looks like PlatinumBitcoinCard is a scam, check their reviews.

    1. Staff says

      Looking at them now, will update the table by the weekend. Thanks for the tip.

  4. Bamboozle says

    I just registered with Advcash.

    Here’s what in the registration email:

    “Your Advanced Cash account is not verified yet. Because of this, there are certain limits concerning your plastic card transactions:

    – total cumulative lifetime card funding/transaction limit: €250

    Card funding
    – max one-time funding: €100
    – max daily funding: €100
    – funding transactions: 1

    – transactions per day: no limit
    – max daily spending: €100
    – max total transactions: €250
    – total card transactions: no limit

    ATM withdrawals
    – total withdrawal amount: €100
    – max ATM transactions per day: 5
    – max one-time withdrawal: €100
    – total withdrawals per day: €100

    When you successfully complete your account verification, we will set our standard limits to your card: €3,000 daily withdrawals, €10,000 total daily transactions, €3,000 total daily funding. Verification is a fast and easy procedure that unlocks all the Advanced Cash features and advantages for you.”

    I also saw this for French residents. This is a quote from Advcash support. I don’t know the exact context, it is a bit confusing.

    “Your documents are in process of verification on our vendors side.
    After you are verified within Advanced Cash, we also need to submit your documents to our card vendor. It normally takes up to 5 business days, after which they set standard verified user limits for your cards.
    The Authorization was declined as the cardholder is from France country with KYC1. This is recent rule change done regarding France Decree. The rule is KYC 1 users no unload transactions to be allowed.”

  5. Bamboozle says

    And the limits for Advcash virtual cards:

    “As you have not verified your account yet, please have a look at the transaction limits that are in place for your new virtual card:

    – €100 max one-time funding
    – €100 max daily funding
    – max 1 funding
    – unlimited transactions per day
    – €100 max daily transaction totals
    – unlimited total card transactions
    – €100 one-time cumulative card spending limit

    After you successfully verify your account, your card limits will be set to our standard limits for verified users: €10,000 total daily transactions, €3,000 max total daily funding. Verification is a fast and simple procedure that enables you to start using the full range of Advanced Cash features.”

  6. Bamboozle says

    Another provider to add to the list: Mistertango.
    Based in Lithuania, offer SEPA IN/OUT + Mastercard.
    OK reviews.
    Not sure about verification.

    1. Staff says

      Thanks! Will do.

      1. Bamboozle says

        More details on Mistertango:
        Their card partner is Creditco, based in Lithuania. The cards are branded “Hercus”.
        Creditco’s card issuer is Wirecard, which I know is a respected actor in the payment industry (working with big companies like Orange Bank). They are headquartered in Germany.
        The card is shipped from the UK.

        1. Staff says

          Thanks a lot Bamboozle, taking a look now and will add it to the table.

        2. Staff says

          Added it to the table. However – EU only, €20 000 yearly balance limit… Not the best terms!

  7. Batman says

    Advcash just closed the cards due to Wave crest closure!? 🙂

    1. Staff says

      Wow, what a bummer, you are right. I’ve just got a reply from their support. Will publish an update these days.

  8. Sunrise says

    Received from WaveCrest on 24 Jan. 2018 re AdvCash cards:

    Closure of your WaveCrest issued MasterCard prepaid card

    We regret to inform you that from the 27 February 2018, we will no longer be able to service your MyChoice Prepaid Debit Card.

    You should, therefore, use up or remove any balance on your card before that date. We will block the loading of new funds to your card effective immediately to help avoid any balance remaining on your card. You will be able to request that any remaining balance on your card after 27 February 2018 be refunded to you in line with the Cardholder Agreement.

    Unverified cards must be verified in order to be eligible for a refund. Please note that any funds that remain on your account after this date will continue to be subject to the terms of the Cardholder Agreement (other than as set out in this email). You can find the Cardholder Terms here.

    Please also note that we have taken the decision to set new daily ATM limits to EUR 1000/USD 1000/GBP 800 for transaction inside the SEPA region; transaction outside of SEPA will be limited to EUR 500/USD 500/GBP 400.

    We apologize for any inconvenience caused. If you have any questions, please contact us at [email protected].

    1. Staff says

      Yes Sunrise, unfortunately it’s true:

      Spectrocoin is promising, they’ve already gotten substitute cards from another provider:

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