10 Best Bitcoin Debit Cards Europe [2023]

What is a Bitcoin Debit Card?

You can use a Bitcoin debit card just like a traditional bank card in stores, online, and at ATMs. They’re a great way to spend your Bitcoin. Several cryptocurrency exchanges and platforms offer them, each with unique benefits and features.

How Do They Work? 

Bitcoin debit cards work like standard bank cards, except you can spend your fiat money and Bitcoin. Many cards also support other popular cryptocurrencies such as Litecoin, Ethereum, or Tether. You can use this physical card in stores, for online payments, or to withdraw money from an ATM.

Many bitcoin debit cards are “preloaded”; you’ll have to top them up with cryptocurrency to use them. You can add Bitcoin to your debit card online through the provider’s platform. It will then convert crypto into fiat currency either when you top-up or at the time of purchase.

Benefits of Using a Bitcoin Debit Card 

Bitcoin debit cards let you spend your crypto easily and offer all the benefits of a traditional debit card. They also have added advantages such as cashback on card purchases or discounts on other services.

You’ll often benefit from lower fees than your bank-issued card, and they offer competitive cryptocurrency exchange rates. Several cards also support multiple fiat and cryptocurrencies, all within one card.

Can You Use Crypto Cards in Europe?

Yes — crypto cards are becoming an increasingly popular payment method in Europe due to the wide range of card benefits. Several major platforms offer crypto cards that are only available in Europe.

Where Are Bitcoin Debit Cards Accepted in Europe? 

Most Bitcoin debit cards are MasterCard or VISA. You’ll be able to spend them anywhere that VISA or MasterCard debit cards are accepted.

Who Can Sign Up for a Bitcoin Debit Card?

To sign up for a Bitcoin debit card, you’ll need to use a crypto exchange or platform that offers Bitcoin debit cards in Europe. You might be asked to complete a credit check; if unsuccessful, you may be denied a crypto card. You must complete KYC (Know Your Customer) checks in Europe to verify your identity.

What to Look For in a Bitcoin Debit Card

The right card for you depends on your needs. It’s important to look at several factors, including the rewards offered, the currencies supported, fees associated, and security features. Several cards require you to hold or stake tokens to receive rewards or have hidden network fees. It’s essential to look at the fine print when choosing a debit card issuer. We’ve reviewed and analyzed the best debit cards to help you pick the perfect card for you. 

10 Best Bitcoin Debit Cards in Europe [2023] 

As a European resident, you have an extensive range of cards to pick from. We’ve looked at the pros and cons of each card, plus who we think they’re most suitable for. Here’s our review of the top ten bitcoin debit cards in Europe:

1. CryptoWallet Card 

Pros

Nexo offers a MasterCard crypto credit card that lets you spend fiat money using your crypto as collateral.

Pros

• More cryptos than any competitor
• Insured and easy to use
• Store any crypto directly on platform
• Spend crypto on the go

Cons

Nexo offers a MasterCard crypto credit card that lets you spend fiat money using your crypto as collateral.

Pros

• New compared to existing products

Who It’s For

CryptoWallet is suitable for everyone!

2. Nexo Card

Nexo offers a MasterCard crypto credit card that lets you spend fiat money using your crypto as collateral.

Pros

• You can purchase goods and services without spending your crypto assets.
• You can earn up to 2% cashback in NEXO tokens.
• Free ATM cash withdrawals
• Virtual cards can be used for safely shopping online.
• No transaction fees

Cons

• If you want to receive your cashback in BTC, you’ll only receive 0.5% cashback.
• You’ll need to use your credit line and hold a balance in NEXO crypto tokens to receive rewards.

Who It’s For

The Nexo card is ideal for crypto holders who want to “hodl” their digital assets and need short-term liquidity.

3. CoinBase Card

The Coinbase card is one of the most convenient options. It converts crypto directly from your preferred cryptocurrency wallet when using your card. You’ll never need to top up your card!

Pros

• 8 cryptocurrencies offered
• Up to 4% cashback
• Security features include 2-Factor Authorisation and instant card freeze.
• Convenient mobile wallet app
• Converts crypto on demand

Cons

• 2.49% cryptocurrency conversion fee
• €4.95 card issuance fee in Europe
• Cashback depends on the chosen cryptocurrency — 1% in BTC, ETH, DOGE, and DAI or 4% in GRT. XLM, AMP, and RLY.

Who It’s For

Perfect for users who want the convenience of not having to top-up their debit card with crypto.

4. Wirex Card 

The Wirex VISA card features a 3-tiered payment plan with various benefits. It offers the widest selection of fiat and cryptocurrencies.

Pros

• Converts crypto to local currency when you use it.
• 150+ crypto and fiat currencies
• Up to 8% cashback
• Interest rates available on your account
• Saving bonuses
• €0 account fees for the basic plan (offers only 0.5% cash back!).
• No fiat foreign transaction fees

Cons

• You’ll need to lock WXT tokens (Wirex’s native token) and pay a €29.99 monthly fee to receive full cashback.

Who It’s For

Frequent flyers who want the benefit of paying in the local currency no matter where they are may enjoy this multi-currency card.

5. Crypto.com Card 

The Crypto.com VISA card is available in 8 different metal card designs depending on your subscription tier.

Pros

• 80+ cryptocurrencies
• 20 fiat currencies
• Up to 5% cashback
• Discounts on subscriptions and services like Netflix or Airbnb.

Cons

• You’ll need to stake CRO tokens to receive CRO rewards.
• To access the full benefits (Obsidian card), you’ll need to buy and stake €350,000 in CRO tokens.
• The cheapest card tier doesn’t offer cashback.

Who It’s For

The Crypto.com card offers excellent rates to users who make large purchases and can stake a considerable amount of tokens. This card type may not be the best match for users who make small everyday purchases.

6. BlockFi Card 

BlockFi offers low fees and cashback on trades made on the BlockFi platform.

Pros

• Traders can receive 0.25% cashback on trades (max €500)
• 1.5% cashback in Bitcoin
• AutoPay feature for adding money to prepaid debit card.
• 15 cryptocurrencies
• Low fees

Cons

• Low rewards rate
• Higher rates are available only with merchants who opt in.

Who It’s For

This card will suit traders looking for low fees and added trading advantages.

7. SpectroCoin Card 

The SpectroCoin card supports a wide range of digital currencies and offers users an IBAN for receiving transfers in euros.

Pros

• 40+ cryptocurrencies
• Easy-to-use mobile app
• €0 monthly maintenance fees

Cons

• High fees, including fees for ATM balance inquiries, PIN changes and declined ATM transactions.
• Maximum balance of €25,000
• No rewards

Who It’s For

While the SpectroCoin Card lets users receive euros in a bank transfer, you’ll find much better rewards and benefits with other cards.

8. Fluid Finance Card 

Fluid Finance is a Swiss platform that offers both traditional bank accounts and crypto services. Their MasterCard debit card can be connected to your digital wallet.

Pros

• You can connect your crypto wallet.
• Supports international transfers
• 4% interest rate on deposits
• No monthly fees
• Funds held with Fluid are fully insured.

Cons

• Annual subscription fee
• You’ll need to purchase at least 1 Fluid token.

Who It’s For

The Fluid card and app is an excellent bridge between traditional finance and DeFi and suits users who need to trade between fiat and crypto. They also offer great interest rates on deposits held.

9. Trastra Card 

TRASTRA is a minimalistic VISA card offered to residents of the European Economic Area.

Pros

• 7 cryptocurrencies
• Strong security features
• Client referral program
• No transaction fees

Cons

• €15 annual card fee
• No rewards program
• Personal IBAN

Who It’s For

The TRASTRA card is a simple, streamlined card that can be useful if you want to receive payments in euros and crypto.

10. Binance Card 

The Binance card offers low fees and security features to keep your crypto safe.

Pros

• Up to 8% cashback
• 2 Factor Authentication
• Low fees
• No foreign exchange fees

Cons

• Need a balance of BNB tokens to receive 8% cashback.
• 0.9% ATM withdrawal fees

Who It’s For

With some of the lowest fees available, the Binance card is great for everyday payments in stores and online purchases.

Choosing The Best Bitcoin Debit Card in Europe 2023 

While selecting the best bitcoin debit card may seem challenging, it’s better to focus on what you’re looking for. The best card will be the one that matches your needs. Look at each debit card offered and see which card suits your lifestyle best.

How To Get a Bitcoin Debit Card

To get a crypto card, you’ll need to sign up and create an account with a crypto company that offers this service. Once you’ve completed the application and any identity or credit checks, you’ll have to purchase crypto on the platform to be able to use your crypto debit card. You may have to pay an issuance fee for your physical card.

Key Takeaways

As you’ve seen, there are many important factors to consider when choosing a bitcoin debit card. While some cards offer high cashback rates for debit card payments, this often comes with requirements or high fees. Others may have no transaction fees but high monthly account fees.

We invite you to explore the different cards offered to find the perfect match for you. The CryptoWallet debit card is an excellent card for a beginner, and our mobile app makes accessing and spending your crypto even easier.