10 Best Bitcoin Debit Cards in Europe [2024]

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. The best Bitcoin debit card, of course, will be ranked on a number of factors ranging from supported cryptos and fees to added features.

How Do Bitcoin Cards 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 up the linked wallet or the card with cryptocurrency to use them. You’ll have the option to buy and add Bitcoin to your debit card or deposit Bitcoin using the wallet address. It will then convert crypto into fiat currency either when you top-up or at the time of purchase. 

CryptoWallet.com card allows you to conveniently spend your Bitcoin and other cryptos directly from your wallet, at ZERO conversion and the LOWEST transaction fees in Europe. It eliminates the need of converting your crypto at once and uses it only when you want to spend it. This feature is best if you also have stablecoins like Tether (USDT) in your wallet. One Card to Rule Them All!

10 Best Bitcoin Debit Cards in Europe

CryptoWallet.com Card

Spend crypto directly from your wallet with no conversion. Unlock your crypto’s full potential – start spending it instantly at any store that accepts cards.

The CryptoWallet.com card offers several advantages, including the lowest transaction fees in Europe, no hidden fees, and the ability to connect to web3 using WalletConnect. Additionally, users can receive cashback in the form of the native $SPEND token. Ordering the card is free, and there is no charge for card delivery. It provides a convenient and cost-effective way for users to access and spend their cryptocurrencies.

Who It’s For: CryptoWallet.com is suitable for everyone!

Pros:

• Spend crypto directly with no conversion fees
• Free card order and delivery
• Lowest Transaction Fees 
• Support more cryptos than any competitor
• Insured and easy to use
• Crypto cashback with every purchase

Cons:

• Only available in EU and EEA Region

Nexo Card

The Nexo Card is a credit card backed by cryptocurrency that enables you to make purchases both online and offline. It provides a unique advantage compared to crypto debit cards by allowing you to spend your digital assets without the need to sell them. Nexo credit card lets you spend fiat money using your crypto as collateral

To use the Nexo Card, it needs to be directly linked to your Nexo account. The partnership between Nexo and Mastercard ensures that the card grants you access to various benefits and rewards worldwide. The Nexo Card is available in both physical and virtual formats. The virtual card can be used conveniently with Google Pay and Apple Pay.

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

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

CoinBase Card

The Coinbase card is an issued card that is directly linked to your Coinbase wallet. Whenever you use the card to make a purchase, the cryptocurrency in your wallet is automatically converted to the local fiat currency of the country where the card is being used. Although the cash-back rewards may not be the most competitive.

Who It’s For: Perfect for users who want the convenience of not having to top-up their debit card with crypto.

Pros:

• Up to 4% cashback
• Security features include 2FA and instant card freeze.
• Convenient mobile wallet app
• Converts crypto on demand

Cons:

• Only 8 cryptocurrencies offered
• 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.

Wirex Card

Wirex has established itself as one of the longest-running options for crypto debit cards. The company responsible for the Wirex Mastercard card was founded as early as 2014.

Similar to many other Bitcoin debit cards available today, the Wirex Visa card includes a unique token called X-points. These X-points can be converted into cryptocurrencies. While the card offers the advantage of earning up to 8% in cryptoback with X-points, it may not provide as many additional benefits compared to Bitcoin debit cards.

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.

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
• Free basic plan (offers only 0.5% cash back!).
• No fiat foreign transaction fees

Cons:

• Not many perks unlike other Bitcoin cards
• You’ll need to lock WXT tokens and pay a €29.99 monthly fee to receive full cashback.

Crypto.com Card

The Crypto.com Card functions as a prepaid card, necessitating the loading of funds onto it through the Crypto.com app. Funds can be loaded onto the card using either cryptocurrency or fiat money. If opting for fiat money, it can be loaded from funds already deposited in your Crypto.com account or by making payment using a debit or credit card.

The Crypto.com Card offers five different card tiers, each requiring the staking of a specific amount of Cronos (CRO), the platform’s cryptocurrency, for a duration of 180 days. The basic card offers no cashback. Staking involves committing your CRO to the Crypto.com platform for that specific time period, and as a result, you receive CRO rewards.

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.

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.

BlockFi Card

The BlockFi Rewards Visa® Signature Credit Card garnered attention as one of the pioneering crypto credit cards, creating a significant impact. It provides an attractive unlimited 1.5% cash back on purchases, accompanied by a welcome bonus and an annual spending bonus. 

However, it should be noted that compared to other Bitcoin debit cards, it offers a comparatively lower cashback reward. Nevertheless, a noteworthy advantage is the flexibility to select from various cryptocurrencies available on BlockFi, including popular options like Bitcoin, Ethereum, and Litecoin.

Who It’s For: This bitcoin card will suit traders looking for low fees and added trading advantages.

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.

SpectroCoin Card

The SpectroCoin EUR Bitcoin Debit Card Verified is directly like with SpectroCoin exchange and wallet system. This is one of the most expensive bitcoin cards in terms of fees. When using the card, standard foreign currency conversion fees of 3% apply, which is comparatively higher compared to many other Bitcoin debit cards. Additionally, it does not provide any reward or cashback program.

Point of Sale purchase do not incur any additional charges, but there is a monthly service fee of EUR 1. Notably, there is no fee for inactivity. Topping up the card from a SpectroCoin account is free of surcharges, and there are regular ATM withdrawal fees, with a limit of 2 withdrawals per day. The SpectroCoin card supports a wide range of digital currencies and provides users with an IBAN for receiving euro transfers.

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.

Pros:

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

Cons:

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

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.

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.

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

Trastra Card 

TRASTRA is a minimalistic VISA card offered to residents of the European Economic Area. TRASTRA’s Crypto Debit Card is linked to your TRASTRA account, allowing you to conveniently make purchases at stores or withdraw cash from Visa network ATMs. With the card, you can easily deposit your preferred cryptocurrency without any charges and even convert your crypto into Euros without incurring additional fees. However, the card only supports 7 cryptocurrencies including Bitcoin. 

Who It’s For: The TRASTRA card is a simple, streamlined Bitcoin card that can be useful if you want to receive payments in euros and a few other popular cryptos.

Pros:

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

Cons:

• Only 7 supported cryptocurrencies

Binance Card

The Binance Visa debit card, supported by the leading crypto exchange in the world, provides a seamless solution for converting and using your digital assets in real-world scenarios. Whether you’re enjoying a meal at a nearby restaurant or making online purchases, the Binance Card empowers you with the convenience of utilizing cryptocurrencies.

With the Binance Card, you can take advantage of low transaction fees, generous withdrawal limits, and a cashback program that rewards you with Binance Coin (BNB). These features make the Binance Card an appealing option for crypto enthusiasts worldwide, offering a compelling combination of convenience and benefits.

Who It’s For: With some of the lowest fees available, the Binance card is great for everyday payments in stores and online purchases.

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

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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.

Choosing The Best Bitcoin Debit Card in Europe 2024 

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.

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. 

How To Get The Best Bitcoin Debit Card?

To get a Bitcoin 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.

Bottom Line

As you’ve seen, there are many important factors to consider when choosing a Bitcoin debit card. While some Bitcoin 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.com card is an excellent card for a beginner, and our online platform makes accessing and spending your crypto even easier.

Sign up here to order your CryptoWallet.com card!

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