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.
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.
|URL||Card status||Card type||Virtual card?||Balance in||Card price||Can be anonymous?||Issuer Jurisdiction||Allows USA?||ATM withdrawal fee||Balance load limit||ATM daily limit||Fast shipping?|
|Spectrocoin||Almost ready||VISA/MasterCard||yes||USD, EUR, GBP, DASH, ETH, BNK, XEM||[$$-9] 9||no||Lithuania||yes||$2.5-$3.5||$20000/day||[$$-2,000] 2,000||[$$-75] 75|
|Wirex App||Ready for UK, then EU!||VISA||yes||USD, EUR, GBP||[$$-17] 17||yes||UK||no||$3.50||$10000/day||$400/day unverified, $2000/day verified||[$$-50] 50|
|Cryptopay||coming soon||VISA||yes||USD, EUR, GBP||$15 +$1 monthly||yes||UK||no||$2.5-$3.5||$1000/lifetime unverirified, $20000/day verified||$1000/lifetime for unverified, $2000/day for verified||[$$-75] 75|
|Uquid||coming soon||VISA||yes||USD, EUR, GBP + 89 coins||$17 +$1 monthly||yes||UK||no||[$$-3] 3||$2500/lifetime unverified, unlimited for verified||$400/day unverified, $2000/day verified|
|BitWala||coming mid-2018||VISA||yes||EUR||€ 8.00 +1 monthly fee||no||Gibraltar||no||€ 2.75||unlimited||€ 2,000||€ 69.00|
|AdvCash||Already found new issuer, coming soon||MasterCard||yes||USD, EUR, RUB||$5 to $15||yes||Belize||no||$1.99||$3 000/day funding limit||$3 000|
|Exwal||coming soon||VISA||yes||USD, EUR, GBP||$15 +$1 monthly||yes||UK||yes||[$$-4] 4||$2500/lifetime unverified, unlimited for verified||$400/day unverified, $2000/day verified||[$$-75] 75|
|Tierrapay||does not work||VISA||yes||USD, EUR, GBP||$15 +$1 monthly||yes||UK||no||$2.5-$3.5||$1000/lifetime unverirified, unlimited verified||$1000/lifetime unverirified, unlimited verified||[$$-80] 80|
|Coinsbank||does not work||Visa, MasterCard||yes||USD, EUR, GBP||$15-100 + $1 monthly fee||yes||UK||no||[$$-5] 5||$1000/lifetime unverirified, unlimited verified||$400/day unverified, unlimited verified|
|Wagecan||Works||MasterCard||yes||USD, EUR, GBP||around $180 + $1 monthly fee||no||Hong Kong||yes (a href="https://wagecan.zendesk.com/hc/en-us/articles/115011051768-Which-countries-do-we-ship-to-">selected list||$2.5-$3.5||$250/unverified, $13000/verified||$100/unverified, $2000/verified|
|Shift Card||Works||VISA||no||USD||$20||no||USA||yes||[$$-4] 4||$200 (coinbase) or $500 (dwolla)|
|Xapo||coming soon||no||USD, EUR, GBP||[$$-20] 20||yes||USA||yes||$2.5-$3.5||$1000/lifetime unverirified, unlimited verified||[$$-2,000] 2,000||[$$-55] 55|
|Shake Pay||coming soon||VISA||yes||USD, EUR, GBP, DASH, ETH, LTC||$15 +$1 monthly||yes||Gibraltar||no||$2.5||$1000/lifetime unverirified, unlimited verified||$400/day unverified, $2000/day verified|
|Mistertango||Works||MasterCard||no||EUR||$0||no||Lithuania||no (EEA/EU only)||3%||€20 000 annual||€1 000|
|CoinJar||coming soon||VISA||no||BTC, USD, +more||$29||no||Australia||No (Australia only)||$2||$999||$999|
|Bitpay||Works||VISA||no||BTC, USD||$10||no||USA||yes, US-only||$2-3||no limit, $10000 per transaction||$1600|
|Centra Tech||Works (if you buy ICO tokens)||VISA||no||BTC, XMR, CTR, ETH, DASH, LTC, ZEC||$50/year||$2.5||$20000||$1000|
|Bitnovo||Works||MasterCard||no||BTC, EUR||€20||yes||Spain||no (EU only)||1€ ||€2500 yearly||daily load limit €500|
|Monaco||coming soon||VISA||no||BTC, USD ?||free (+2 more plans)||no||Switzerland||n/a||n/a||$400 free, then ?||n/a||n/a|
|Epayments||Works||MasterCard||USD, EUR||$5.95 but $2.90 per month is user spends less than $300 in that month||no||UK||Yes (except these||2.4 eur/usd||$40,000||$3,000|
|Paycent||Coming in April 2018||MasterCard||USD||$140||no||Singapore||Yes (worldwide)||$1||$50000||$5000|
|Bonpay||coming soon||VISA||USD, EUR||€10||no||EU||no||3,5 €||20,000 €||1,000 €|
The table is updated – leave a comment if you have another company that should be on the list!