Bit2Me Card
9%
Free
17 countries
The Bit2Me Card is a custodial Mastercard from Spain's largest crypto exchange, spending from a Bit2Me account across the EEA with no monthly or maintenance fees. Cashback is tiered and paid in the B2M token, reaching up to 9% when spending with B2M at the top tier (roughly 1% at the base tier). ATM withdrawals are free within the EU up to EUR 300 of volume, with a 2% fee outside the EU and about a 1.2% crypto-to-euro conversion cost. Both virtual and physical cards, plus Apple Pay and Google Pay, are supported.
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What it really costs to spend crypto
From loading your wallet to paying at the till.
Estimated from provider rates; the conversion spread can vary.
Fee breakdown
Spending limits
Limits shown are for the standard tier and may increase with higher tiers or verification.
Supported coins
Supported networks
Crypto features
Availability
Not available in: KP, IR, SY, CU
How Bit2Me Card compares on cost
Every figure above is this card in isolation. Here is where it lands against the other 59 cards we track, using our own fee dataset and the same year-one formula published on our methodology page.
What a year with this card costs
| Profile | Fees/yr | FX+conv | ATM | Cashback | Total/yr | Rank |
|---|---|---|---|---|---|---|
| Everyday$1000/mo card · $400/mo ATM | $0 | $384 | $0 | −$1,080 | −$696 | #3 |
| Active$2000/mo card · $800/mo ATM | $0 | $768 | $0 | −$2,160 | −$1,392 | #3 |
| Heavy$5000/mo card · $1500/mo ATM | $0 | $1,920 | $0 | −$5,400 | −$3,480 | #3 |
Year-one view, including issuance. Computed with the public total-cost formula — the same implementation the methodology page and the calculator use.
- ATM withdrawals cost 0% — about $0 on a $500 withdrawal. The median across tracked cards is 2%.
- Available in 17 countries — #27 of 59 by coverage.
Figures recomputed from our live fee dataset on every deploy.
Cheaper cards for spending abroad
Cards with a lower combined FX and conversion cost than this one, closest first.
| Card | All-in | Annual fee | Cashback |
|---|---|---|---|
| Gate Card | 2.9% | — | 1% |
| BitPay Card | 3% | — | — |
| Holyheld Card | 3% | — | 1% |
| ZEN Card | 3% | — | — |
| Kinesis Card | 3.17% | — | 2% |
User reviews
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Reviews are moderated. We publish honest feedback, including criticism.
Similar cards
The Crypto.com Visa Card offers up to 5% CRO cashback, access to airport lounges, and Netflix/Spotify rebates depending on the tier. Stake CRO to upgrade.
The MetaMask Card is a non-custodial Mastercard that spends stablecoins straight from your self-custody MetaMask wallet, with no exchange in the middle. The free virtual card pays 1% back; a metal tier with up to 3% is announced but not yet available to order.
Bit2Me Card FAQ
Bit2Me Card holds a trust score of 6.5/10 on NomadCard, drawn from user reviews on Reddit, Trustpilot, and the app stores. Some users report issues — skim the community forums before you apply.