A virtual crypto card with a 2.5% top-up fee and a 1.8 Trustpilot score

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Bit.Store is a virtual payment card that you load with cryptocurrency and then spend like an ordinary card, either through Apple Pay, Google Pay or the card number itself. There is no plastic to wait for, no ATM, and no physical card any more. That simplicity is the appeal. The problems start when you look at who stands behind it, what it costs to load, and what users reported through 2025 and into 2026.

My score for this card is 5.0 out of 10. That is not a rounding of something higher or lower — it is where the card lands once you weigh a genuinely good product idea (a cheap, small virtual card funded from crypto) against a company structure that has already lost its physical card, a top-up fee that went up, and a heavy concentration of one-star reviews.

The conditions described here are current as of October 28, 2026.

Who this is written for: anyone, anywhere, who cannot easily get an ordinary bank card, or who would rather not deal with a bank for everyday spending. Country and citizenship rules are described as the card states them, and I will flag clearly where the card’s own public pages say nothing at all — because with this card, what is unsaid matters as much as what is said.

The score in full

The two highest marks are the two things that are not about the company: eligibility breadth and what you can load. The lowest is by far the one that should worry you most — reliability and complaints. A card you cannot use is worth nothing, whatever it costs to open, so that row carries the weight when the total comes out where it does.

This is not a card for someone building a financial life on one provider. It is for someone who wants a small, disposable spending balance they can refill from crypto without giving a bank the whole picture. If that is you — and you are willing to keep only what you can afford to have blocked for a few weeks — the shape of it is fine. If you are looking for the card you will use for your salary, the physical card you will slide into a machine abroad, or the thing that proves you can pay a hotel deposit from outside the country, then no.

Who will they hand the card to

The card’s own public pages do not state eligibility in a form I could read, so I cannot tell you the complete list of countries where an application succeeds. What I have is a third-party account, and you should treat it as such: unofficial, not confirmed by the card.

Unofficial, from CryptoCardHub in August 2026: 54 countries are listed as available. Restricted: Belarus, China, Cuba, Iran, North Korea, Russia, Syria and the United States. Russia and Belarus both appear on that restricted list. No complete applicant-country list has been published.

That last sentence is the one to sit with. “Available in 54 countries” and “not available to residents of X countries” are different statements, and the gap between them is exactly where your situation might land. A published restriction list tells you where the door is closed. It does not tell you that the door is open everywhere else, because providers also apply their own risk policy to individual applicants, and they can change it without a public notice.

If your country is not on the restricted list, that is a reason to try an application, not a guarantee that you will be approved. And if you are a citizen of a restricted country but live somewhere else, the citizenship question is separate from the residence question — screening is applied to nationality and country of birth as well as to your address, which is standard practice for regulated businesses and one more reason not to assume a residential address settles the question.

How to get it

The card does not publish its identity-check requirements in a form I could verify. Unofficial, again: the virtual-card page says “Simple KYC verification”, and the 2023 launch said “KYC free” — two claims that sit oddly next to each other and that I would not rely on either of. Minimum age is also conflicting: 18+ in the FAQ, 16+ in the User Agreement.

That age conflict is worth pausing on. It is the kind of small inconsistency that tells you documentation was written at different times by different people and never reconciled. I am not telling you which one to believe — I am telling you that if you are anywhere near the boundary, ask in writing and keep the answer.

What kind of card you get: unofficial, a virtual Visa or Mastercard depending on which card type you choose. The former physical card was a Mastercard issued through Paytend. At launch in November 2023 the product was described as a Mastercard prepaid virtual card.

The card is virtual, so there is no delivery to wait for and no shipping step; the physical card is discontinued. There is no published information on which KYC tiers exist or what triggers an upgrade, so I cannot map that for you — but understand that the tier you land in can change what you are allowed to do later, and that rules on tiers are not published.

My honest read on the application: expect to be asked for identity documents, expect some processing time you cannot predict from the published information, and expect the outcome to depend on the company’s risk appetite on the day rather than on anything you control. If having an ordinary card is genuinely important to you, apply while you still have a working alternative — do not close anything else first.

Fees and limits: what it really costs

The card does not publish a current, complete fee schedule on the pages I could read. Everything below is unofficial, from CryptoCardHub in August 2026, and it partly describes a schedule that was published at some point in the past — which is not the same as a live one.

Three things in that table deserve more than a glance.

First, the top-up fee. It went from 1.5% to 2.5%, unofficial. If you were reading about this card in 2023 or 2024, the number you remember is wrong. At 2.5%, a $200 load costs $5 before anything else, and a $20 load costs 50 cents — the fee bites hardest exactly where this kind of card is meant to be useful, which is small, irregular spending.

Second, the $10,000 headline limit — an unofficial figure, not confirmed by the card — is ambiguous in a way that should stop you. It is not stated whether that is money you may load, money you may spend, or a balance cap. Those are three different limits with three different consequences, and you cannot tell from the published figure which one you are reading.

Third, there is no ATM row value for you at all. The €2,000 daily ATM figure — unofficial, not confirmed by the card — describes a card you can no longer get. It is here so you do not go looking for it later.

So what does a payment actually cost? Take the numbers that exist and the rest as unknowns.

• A $30 top-up costs $0.75 at 2.5%, leaving $29.25 to spend, before any conversion or purchase fee that depends on card type.
• A $200 top-up costs $5, leaving $195 to spend, before those same unknown fees.
• A payment in a currency other than the card’s own would additionally carry whatever FX fee your card type carries — not stated publicly, so you cannot compute your own effective rate from the card’s own information.

At launch in 2023 the product carried no purchase fees on transactions up to USD 10,000 (an unofficial figure, not confirmed by the card). That was two and a half years and one fee increase ago. I would not build a plan on it, and you should not either.

Top up: how money gets in

The card’s public pages do not state how topping up works in a form I could verify. Unofficial, from CryptoCardHub in August 2026: 10+ cryptocurrencies, with BTC, ETH, USDT and USDC named, converted to card balance at the moment of loading. The networks are not stated. The fee is 2.5%. A minimum top-up of $15 appeared in a previously published flow and should be confirmed at checkout. Fiat top-up routes are not stated.

That is the whole picture, and two of its gaps are the ones that cost real money.

The first is the network. When you send USDT, the token exists on many chains — USDT has been issued on Ethereum, Tron, Solana, Polygon, Avalanche and others — and the chain you choose decides whether the money arrives or vanishes. Blockchain transfers are irreversible. Send it on a network the provider does not support, or to an address belonging to a different network, and there is no undo: you are dependent on support, with no guarantee. Two specific traps are worth knowing. Circle lists USDC as natively supported on 38 networks, but it stopped supporting USDC on Tron in February 2024, so “USDC over TRC20” is not a native option and must not be assumed. And on Ethereum, fees are paid only in ETH, so a wallet holding USDT with no ETH at all cannot send anything.

So when you load, the single most important thing is to confirm, on screen, in the app, that the network your transfer is on matches the network the app is showing for that transfer. Not the network you used last time. The one on the screen now. This is not a trick to get around any rule; it is just the mechanism by which irreversible transfers reach the right place.

The second gap is the fiat route. You have a $15 minimum — an unofficial figure, not confirmed by the card — that may or may not still apply, a 2.5% fee, and no stated answer on whether ordinary bank money can go in at all. If you wanted to top up from a bank account rather than from crypto you already hold, that is something you need to see in the app before you commit to it.

The stablecoin side deserves one more thought, because it is the part that feels safe and is not automatically so. USDT and USDC are dollar-pegged, and the BIS put about 90% of stablecoin market capitalisation in these two as of July 2025. Circle says USDC is redeemable 1:1 for USD and fully backed by cash and cash equivalents, mostly in a government money market fund, with monthly reserve attestations. That is reassuring detail, and “stablecoin” still does not mean “stable”: TerraUSD collapsed in May 2022, and USDC temporarily lost its peg in March 2023 during the US banking crisis. If your balance sits in a stablecoin, it is exposed to that kind of event for as long as you hold it.

Paying with it day to day

Not stated by the card, and this section is thinner than the others because of it. What is unofficial: Apple Pay and Google Pay have been advertised since launch. Whether they actually work can depend on the card’s BIN, your device region and the wallet itself — which is the part that catches people out, because an advertised wallet button in an app is not a promise that your particular card will tokenise. The list of blocked merchant categories is also not stated.

Add those two wallets to the card number and you have the entire toolkit, and it is a complete one for online and in-app spending. What you do not have: a physical card, an ATM, and any published information about which merchants refuse it.

Some of that is a property of the category rather than this card, and it is worth understanding before a payment is declined. A merchant category code is a four-digit number classifying a business by its goods, and issuers block particular codes by policy rather than by law — gambling (MCC 7995) is the classic one, though there is no published list here to tell you what else is closed. More subtly, the card’s issuer identification number, the first six or eight digits of the card number, tells the merchant which institution and which country issued it. Merchants can look it up, and some apply extra scrutiny, or decline outright, when the issuer country differs from the billing address. A Lithuanian-issued card can simply look foreign to a merchant in another country, and prepaid cards draw declines for the same reason.

Two more everyday realities. Address verification compares the numeric parts of the billing address you type — street number, postcode — against issuer records; it is mainly offered in the US, Canada and the UK, and it generally does not work for foreign-issued cards, which is a common cause of declines online. And a declined authorisation can leave a hold on your funds that stays for several days, typically up to seven. Money you spent successfully at a shop you later reversed, or a hotel that pre-authorised, may be unavailable for a week.

There is nothing published about rewards, about the app’s quality, or about disputes and replacements. On that last point I will be direct: replacement fees and dispute fees are not itemised publicly, and in most places a dispute process exists on the network rather than in the provider’s marketing. Do not assume a prepaid card carries the reversal rights you would expect from a US credit card — prepaid coverage varies and should never be taken for granted.

What can go wrong

This is where the card earns its 2 out of 10, so I am going to take my time.

The company behind it. Unofficial: Bitstore Europe UAB, Lithuania, company number 306465386, registered in 2024 as a virtual-currency exchange and depository-wallet operator. It is not a bank and holds no EMI licence, and as of August 2026 it was not in the Bank of Lithuania’s EMI register. The former physical issuer was Paytend Europe UAB. The current virtual issuer is not publicly named. Custody with Cobo is advertised.

Read the information on the company structure and notice what is missing rather than what is present. There is no bank holding your money, and there is no named licensed e-money institution behind the card in the form I could verify. For context on what that normally looks like: an EMI in the EU can issue e-money, payment cards and wallets under a licence from one member state, and it must safeguard customer funds in dedicated accounts or by insurance — and even then those funds are not bank deposits and are not covered by deposit guarantee schemes. Bitstore’s own arrangements, as I have described them, are not those.

The money is custodial. The card advertises custody with Cobo. With a custodial wallet, the provider holds the credentials, so you must trust it completely. That is the whole trade. The alternative — a self-custody-linked card — keeps funds in your own wallet until the moment of payment, but transfers responsibility for key loss, phishing and malware that swaps copied addresses entirely onto you. Neither is free. Custodial platforms have a real record: Mt. Gox (about US$350 million reported stolen, 2011–2014), Coincheck (about US$400 million, 2018), Ronin Network (US$625 million, 2022). Crypto transfers are also irreversible, and a stolen key has no recovery path — the network cannot freeze or return funds.

The physical card is gone. News: the physical card was discontinued in March 2026 after a regulatory event at the issuer. I found no official incident notice about it. Whatever happened, the practical effect is that a product which once had a €5,000 daily payment limit (an unofficial figure, not confirmed by the card) and a €100,000 balance ceiling (also unofficial) now has none of that, because it has no plastic.

Users reported cards being blocked. This is the most important finding on this page, and it is user report rather than official statement, so I am labelling it that way. From late 2024 through 2025: virtual cards suspended for “maintenance”, balances that were unspendable and unwithdrawable, monthly deductions that kept running, slow support. Some people recovered their money; others were blocked for months.

That pattern deserves a second look, because of what it implies. If a card is suspended for “maintenance” while your balance stays locked, you have a claim on money and no card to spend it with. And if monthly deductions continue while spending does not, you are being charged for a service you cannot use. Neither of those is a normal inconvenience. Both of them are the specific failure mode of prepaid balances, and it is worth being honest that prepaid balances are more exposed to this than a bank account balance is — you are holding a claim on a company, not a deposit at a bank.

The review scores. Unofficial, via CryptoCardHub in August 2026, and not read directly from Trustpilot by me: 1.8 out of 5 from 23 reviews, with 82% one-star. The themes match the reports above — suspended virtual cards, blocked balances, continued monthly deductions, slow support. Twenty-three reviews is a small sample and I would not treat the average as gospel, but the 82% figure is the kind of concentration that only appears when many people had the same bad experience.

Timeline, for context. 24 November 2023: launch of a KYC-free Mastercard prepaid virtual card. March 2026: physical card discontinued. The top-up fee raised from 1.5% to 2.5%. 2024: the operating company registered.

What a closure looks like. Category knowledge, not this card: programme closures typically run in stages — a notice period, then loading and spending stop, then users are asked to withdraw remaining balances. One 2026 closure reported by a single secondary source had new loads ending 8 July 2026 and spending stopping 8 August 2026; I am flagging it as unconfirmed, but the pattern is the part worth internalising. You do not get a long runway. When the balance becomes hard to move, that is when you find out what you actually had.

This is also not a hypothetical industry risk. Visa terminated its global agreements with FTX on 13 November 2022 and the US debit card programme was wound down. In 2018, Visa suspended WaveCrest in Europe, closing all WaveCrest-issued Visa programmes. Neither Visa nor Mastercard issue crypto cards to consumers directly; they license issuers and can suspend a programme.

The regulatory frame. MiCA, the EU’s markets-in-crypto-assets regulation, took legal effect in June 2023; its stablecoin and e-money-token rules applied from 30 June 2024 and the remaining provisions, including crypto-asset service provider rules, from 30 December 2024. Under MiCA, e-money tokens may be issued only by a credit institution or an e-money institution. The transitional period lets providers operating under national law continue only until 1 July 2026, or until they are authorised or refused authorisation, whichever comes first. A card is a payment service regulated separately from the crypto side, so a crypto card often depends on two licences — which is exactly the gap a company registered as an exchange and depository-wallet operator, with no published EMI licence, leaves open. If you want to check a provider, ESMA keeps an interim register of authorised crypto-asset service providers, white papers and non-compliant entities.

On KYC generally. If you are hoping this card is a way around identity checks, it is not, and I will not write about how it might be. KYC rules require regulated businesses to verify customers, assess risk, monitor transactions and report suspicious activity. In the EU that due diligence covers name, address, date of birth, nationality, identity documentation, a sanctions check, the purpose of the relationship, and whether you are a politically exposed person. If it cannot be completed, rules require the institution to refrain from the transaction and, where necessary, end the relationship — which is why accounts get closed or frozen pending documents.

One tax point, flagged not advised. Not advice, just the shape of it: the IRS treats digital assets as property, so exchanging them for goods, services or dollars generally produces a taxable gain or loss, measured in local fiat currency at the fair market value on the date of the transaction. Each card payment funded from crypto can therefore be a separate disposal. Rules differ by country and depend on your own situation — take your own advice.

What to take instead

None of these are clean either. Every one of them has the same structural weakness as Bit.Store: the money sits with a private company that is not a bank. What differs is what they tell you and what they score. Scores below are from the same scale as the one above.

Two observations from that table, one encouraging and one not. Encouraging: Cardex scores higher than Bit.Store, offers a physical card as well as a virtual one, names four networks, and lets you load with BTC as well as dollar tokens — that combination is not available here. Not encouraging: CardFlow and HyperCard are less transparent than Bit.Store, not more. HyperCard’s “176 countries” is the single most misleading line on this page, and it is not the provider’s fault so much as the platform’s — it is a statement about where the card is accepted, which is a completely different question from whether you can get one. CardFlow targets one market, which may suit you and will certainly not suit anyone else.

If I were choosing among these today with the same goal as this card — spend a modest balance from crypto — the honest ranking for a reader who wants breadth is Cardex first on the published information, then Bit.Store, then the two Nigeria/USDC-oriented options whose fee pages tell you nothing. But all four should be treated as places you keep a small, replaceable balance, not as places you keep money you cannot afford to have frozen for three months.

There is also the option of not using a crypto card at all, and I say that without irony. If the underlying reason you are here is that you cannot get an ordinary bank card, the durable fix is not a prepaid card from a crypto company — it is the prepaid or virtual card from a bank or an regulated e-money institution in your own country, even if the balance is small and even if it takes a few months. Those come with published fees, published chargeback processes and, in some cases, deposit or safeguarding arrangements. A card that can be switched off for “maintenance” while your balance is locked is not a substitute for that.

Who I would recommend this to

I would recommend the Bit.Store card to one reader: someone with a small, deliberate spending need — subscriptions, a few small online payments, travel money they would be sad to lose — who already holds the crypto they intend to load, who lives outside the restricted list, and who would keep the balance small enough that a three-month block is an annoyance rather than a disaster. For that person, a virtual card with Apple Pay and Google Pay, free to issue, at 2.5% to load, is a reasonable tool. Just reload it in small amounts rather than parking a month of money on it.

I would not recommend it to anyone whose spending depends on a physical card or an ATM, to anyone planning to hold a substantial balance on it, to anyone who needs a reliable dispute process, or to anyone who has already been burned by a provider suspending a virtual card. In those cases, the 2 out of 10 for reliability is not an average to be weighed against a cheap top-up; it is the thing that decides the question.

And I would be careful, specifically, about my own findings. The restricted-country list is unofficial and incomplete, so do not read my list as the card’s policy. The fee schedule is unofficial and partly describes a past tariff, so do not plan a budget from it. Both are worth confirming in the app before you commit money, which brings me to the two things I would check before loading anything, in this order: that the network on the transfer screen matches the network you are sending on, and what the current top-up fee is at checkout rather than in an article.

Frequently asked questions

What is the Bit.Store card?

The Bit.Store card is a virtual payment card, Visa or Mastercard depending on card type, that draws on a balance you load with cryptocurrency rather than on a bank account. You load crypto, it converts to a card balance, and you spend that balance through Apple Pay, Google Pay or the card number. It is virtual only: the physical card was discontinued in March 2026 after a regulatory event at the issuer, so there is nothing to wait for in the post and no ATM.

How does the Bit.Store card work?

It works like a prepaid card, not a debit card. You convert or load crypto first, and the card can then spend only that stored balance, so it cannot overdraw. Conversions happen at loading, per third-party sources; the card’s own pages do not publish the mechanics. Around the edges sit the usual category mechanics: merchants can look up the first six or eight digits of the card number to see the issuer and its country, and may decline a card whose issuer country differs from the billing address.

Is Bit.Store a bank?

No, and neither is it an e-money institution as far as I could verify. Unofficial information describes the operator as Bitstore Europe UAB, Lithuania, registered in 2024 as a virtual-currency exchange and depository-wallet operator, with no bank licence and no EMI licence, and not in the Bank of Lithuania’s EMI register as of August 2026. That is a private company holding your balance, not a bank holding your deposit.

Who owns Bit.Store?

The operating company is described in third-party sources as Bitstore Europe UAB, Lithuania, company number 306465386. The former physical card was issued by Paytend Europe UAB, and the current virtual issuer is not publicly named. The card does not publish ownership on the pages I could read. If ownership structure matters to your decision, that is something to ask the company directly and get answered in writing.

Is the Bit.Store card available in my country?

Possibly, but check before you count on it. Unofficial information lists 54 countries as available, with Belarus, China, Cuba, Iran, North Korea, Russia, Syria and the United States restricted, and no complete applicant-country list published. Availability also depends on your individual risk profile on the day, and citizenship is screened separately from residence. If your country is not on the restricted list, treat an application as worth a try rather than as near-certain.

How do I get the Bit.Store card?

You apply in the app and receive a virtual card number, which is what most people want since there is no plastic to ship. Identity verification is required in some form — the virtual-card page says “Simple KYC verification”, while the 2023 launch said “KYC free”, and the stated minimum age conflicts between 18+ in the FAQ and 16+ in the User Agreement. Details of KYC tiers are not published. Apply while you have another card working, not after you have closed one.

How much does the Bit.Store card cost?

Unofficial, from a previously published schedule: issuance is free, the monthly fee is $1, and the annual fee is $0. Top-up costs 2.5%, raised from 1.5% previously. Conversion, purchase and FX fees depend on your card type and no complete public schedule is published, so you cannot compute your own effective rate from the card’s information. At launch in 2023 there were no purchase fees on transactions up to USD 10,000; that predates the fee increase.

How do I top up the Bit.Store card?

You load 10+ cryptocurrencies, with BTC, ETH, USDT and USDC named, and they are converted to card balance at the moment of loading. The top-up fee is 2.5%, a $15 minimum (unofficial, not confirmed by the card) appeared in a previously published flow, and fiat routes are not stated. The networks are not stated either, so confirm on the transfer screen that the network you are sending on matches the one shown, before you send anything irreversible.

Can I add the Bit.Store card to Apple Wallet?

Apple Pay and Google Pay have been advertised since launch, and both work by replacing your card number with a device-specific token, so the card number itself is never stored by the wallet. Whether your particular card tokenises can depend on the card’s BIN, your device region and the wallet. Since there is no physical card to fall back on, if Apple Pay does not pair, your only route is the card number — worth knowing before you are mid-payment.

Is the Bit.Store card safe?

Safety here has two meanings and neither is reassuring. As a payment instrument, a virtual number is genuinely low-risk to carry — no one can lift it from your wallet, and 3-D Secure and one-time codes add checks online. As a place to hold money, it is a claim on a licensed-looking company that is not a bank, with a history of user reports of suspended cards and blocked balances and a Trustpilot score of 1.8 out of 5 from 23 reviews, 82% of them one-star. Treat it as a small, replaceable balance.

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