Bitsa Card

What the Bitsa Card is

Bitsa combines euros and crypto in one app. It is a prepaid Visa that you top up with euros from a bank transfer, payment card, wallet or Bitsa voucher, or with Bitcoin, Ethereum and other supported cryptoassets, which are converted to euros instantly. Each account includes a Spanish IBAN for incoming transfers, and the card works in physical and virtual form, each with its own independent balance.

Where the crypto sits

The crypto side is explicitly a partnership: the service is provided and managed exclusively by Bitnovo, a Spanish crypto platform that has operated since 2015. That is worth knowing because it defines who you are actually relying on when you top up with crypto. Once converted, funds sit as euros on a prepaid card rather than as crypto.

Plans and cashback

There are three plans - FREE, MOVE and PRO - with the free tier offering a national IBAN and no maintenance fees, and the paid tiers adding more cards with separate balances, higher ceilings on purchases and top-ups and fee-free transfers. Cashback is not paid on ordinary purchases: it is earned through the app's gift card catalogue, where discounts on brands such as Spotify, Sony and Nintendo reach up to 15%.

What it costs

Physical cards cost EUR20 and virtual cards EUR2.50, reloads that are not free are charged at 1.5%, international payments cost 1.75% within non-euro SEPA areas and 2% elsewhere, and transfers to a third party outside Pecunpay carry a EUR1.50 fee. Balances are described as insured up to EUR100,000, and crypto reloads are capped at EUR20,000 per day.

Bitsa is a prepaid card rather than an exchange card: euros sit on the card and crypto top-ups come through Bitnovo. That places it between the Bit2Me Card, which is backed by an exchange and a Spanish EMI, and the Credits Debit Card, which is likewise issued by a licensed e-money institution. The crypto card directory lists every European issuer we track.

Cards and accounts

• Physical and virtual Visa cards, each with an independent balance and managed from the app.
• Spanish IBAN for incoming transfers, with SEPA Instant support.
• Multiple cards on the paid plans, each with its own balance.

Ways to top up

• Cryptocurrencies including Bitcoin and Ethereum, converted to euros instantly via Bitnovo.
• Bank transfer, payment card, wallet or Bitsa Voucher.
• Crypto reloads limited to EUR20,000 per day.

Everyday features

• Apple Pay, Google Pay and contactless payments.
• Cashout to withdraw funds and an eSIM option on the MOVE plan.
• Coupons and gift card cashback on brands such as Spotify, Sony and Nintendo, up to 15%.
• Privacy controls and 24/7 account protection through Bitsa Secure.

Supported assets

Bitsa supports top-ups with Bitcoin, Ethereum and other cryptoassets via Bitnovo, converting them to euros instantly inside the app. Because the card balance is denominated in euros, holding crypto on the card is not possible - crypto is a funding method, not a stored balance.

Who provides the crypto service

Bitsa states clearly that the crypto service is provided and managed exclusively by Bitnovo. That means the crypto leg of your top-up is a Bitnovo transaction, with Bitnovo's own terms and conversion rate, while the card and the euro account are Bitsa's. If something goes wrong with a crypto top-up, it is Bitnovo's support path that applies.

Practical use

For regular spending, funding with a bank transfer or card avoids conversion costs entirely. Crypto top-ups make most sense when you want to realise gains or spend from a crypto balance without selling on an exchange first, and the EUR20,000 daily cap keeps the exposure to a single conversion limited.

Plans

• FREE: no maintenance fee, national IBAN, pay-as-you-go card pricing
• MOVE: EUR0.99 per month, additional cards with separate balances, brand cashback and eSIM
• PRO: EUR9.99 per month, unlimited balance, purchases and top-ups, and unlimited fee-free transfers

Card and reload costs

• Physical card: EUR20 each
• Virtual card: EUR2.50 each
• Non-free reloads: 1.5%
• International payments: 1.75% in non-euro SEPA areas, 2% in the rest of the world
• Transfers to a third party outside Pecunpay: EUR1.50

ATM withdrawals

• The full ATM operator fee is passed on for national and eurozone machines.
• Outside the eurozone: EUR0.55 plus 1% of the amount, minimum EUR0.75.
• Withdrawals outside Spain are capped at EUR450 per day.

Crypto top-ups

• Crypto reloads are limited to EUR20,000 per day.
• Conversion is handled by Bitnovo; the spread applied is not published on the fees page.