Available regions
Applications or normal card activation are supported
BrazilBR
- Evidence
- Officially supported
Card database / Mastercard / Crypto prepaid card
B
Bipa Card
Updated: Aug 10, 2026
Bipa Card is a Mastercard crypto payment card within the Brazilian Bipa account system. Bipa provides the account and product services, while Stark Bank issues the card. Users can choose between credit and prepaid modes: the credit mode uses assets to secure the limit and settles the bill monthly, while the prepaid mode deducts payments directly from the available balance. A virtual card is currently available for online purchases and can be added to Apple Pay or Google Pay for offline contactless payments. It also provides Satsback® spending rewards paid in Bitcoin.
Official and company information
Issuer identity and company credentials
Bipa is a payment institution regulated by the Central Bank of Brazil, offering a one-stop digital account with BRL balances, Pix, Bitcoin and USDT buy/sell and custody, Lightning Network, and Mastercard credit and prepaid cards. Cards support using BTC/USDT as collateral to obtain credit lines, and offer Satsback® (Bitcoin cashback). Cards are issued by Stark Bank, with Bipa responsible for platform operations and product management. Founded in 2020, headquartered in the São Paulo region.
- Company / issuer
- Bipa (Cartão Bipa / Bipa Card)
- Legal name
- BIPA Intermediação de Ativos Digitais Ltda.
- Registered region
- Brazil (BR)
- Headquarters
- Original巴西圣保罗州
- Company type
- Payment institution
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Bipa combines a digital asset account, a Brazilian real payment account, and a Mastercard card in one app. Cartão de Crédito Bipa operates on a postpaid model: users allocate assets as collateral for a credit line, purchases generate a monthly bill, and merchant installment plans are supported. Cartão Pré-pago Bipa, on the other hand, debits the available account balance immediately and does not generate a monthly bill. Users can select only one mode at a time but can switch within the app and continue using the same card number, expiry date, and CVV. The current card is purely virtual and can be used for online transactions domestically or internationally, or via Apple Pay and Google Pay at NFC-enabled physical merchants. Bipa also allows the creation of multiple virtual cards for shopping, transit, and subscriptions.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
Drag or swipe anywhere in the table to view every card; labels stay fixed
B Cartão de Crédito Bipa | B Cartão Pré-pago Bipa | |
|---|---|---|
| Card form | Virtual card | Virtual card |
| Fees | ||
| Monthly fee | Free | Free |
| Card issuance fee | Free Basic card application is free | Free |
| ATM fee | — | — |
| Foreign exchange fee | — | — |
| Top-up fee | — | — |
| Failed transaction fee | — | — |
| Rewards | ||
| Cashback | — | — |
| Crypto cashback | 5% SatsBoost up to 5% | 5% SatsBoost up to 5% |
| Staking rewards | — | — |
| Staking APR | — | — |
| Welcome bonus | — | — |
| Referral bonus | — | — |
| Limits | ||
| Daily spending limit | — | — |
| Monthly spending limit | — | — |
| ATM withdrawal limit | — | — |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and China applicability
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
St. Kitts & NevisKNGhanaGHDominicaDMNigeriaNGHungaryHUItalyITLesothoLSChadTDSt. LuciaLCFinlandFISolomon IslandsSBGermanyDESouth SudanSSAngolaAOSri LankaLKGuinea-BissauGWLatviaLVBruneiBNGuatemalaGTPortugalPTSloveniaSIGuineaGNMauritaniaMRBurkina FasoBFQatarQAGabonGASlovakiaSKPeruPENew ZealandNZAntigua & BarbudaAGTunisiaTNVanuatuVUTongaTOSingaporeSGMozambiqueMZParaguayPYOmanOMJordanJOPapua New GuineaPGBulgariaBGAfghanistanAFCambodiaKHZimbabweZWAzerbaijanAZUgandaUGCanadaCAHondurasHNCentral African RepublicCFSudanSDIndonesiaIDMalawiMWZambiaZMLuxembourgLUAlbaniaALRomaniaRONorth MacedoniaMKMoroccoMACôte d’IvoireCIVatican CityVAKenyaKEGeorgiaGEMoldovaMDChileCLEquatorial GuineaGQTajikistanTJPakistanPKLebanonLBGuyanaGYUzbekistanUZSeychellesSCSerbiaRSBelizeBZMadagascarMGPanamaPACzechiaCZRussiaRULaosLABoliviaBONigerNEBurundiBIGreeceGRBhutanBTBeninBJAustraliaAUDenmarkDKSwedenSEFranceFREswatiniSZUnited Arab EmiratesAEBosnia & HerzegovinaBASurinameSRMacaoMOEritreaEREstoniaEESenegalSNComorosKMJamaicaJMNicaraguaNIGrenadaGDPhilippinesPHTogoTGIndiaINArmeniaAMBahrainBHDominican RepublicDOUruguayUYUkraineUASomaliaSOCyprusCYSierra LeoneSLTuvaluTVPalauPWMaliMLLiechtensteinLIIsraelILLithuaniaLTBangladeshBDNamibiaNAMyanmar (Burma)MMEcuadorECSão Tomé & PríncipeSTMonacoMCVenezuelaVEYemenYEMalaysiaMYIcelandISSpainESJapanJPMauritiusMUTimor-LesteTLMongoliaMNMontenegroMEDjiboutiDJEl SalvadorSVLiberiaLRCubaCUUnited KingdomGBSaudi ArabiaSAVietnamVNKuwaitKWMarshall IslandsMHMaltaMTIrelandIEPolandPLEthiopiaETBelarusBYGambiaGMTurkmenistanTMMexicoMXTrinidad & TobagoTTTanzaniaTZChinaCNBelgiumBEThailandTHCosta RicaCRAndorraADRwandaRWIranIRSwitzerlandCHHaitiHTBarbadosBBUnited StatesUSSouth KoreaKRSyriaSYKyrgyzstanKGSt. Vincent & GrenadinesVCFijiFJNorwayNOKazakhstanKZLibyaLYCroatiaHRNepalNPColombiaCOKiribatiKIArgentinaAREgyptEGSamoaWSIraqIQCameroonCMNorth KoreaKPSan MarinoSMBahamasBSCape VerdeCVTaiwanTWSouth AfricaZANauruNRMaldivesMVHong KongHKAlgeriaDZBotswanaBWNetherlandsNLAustriaATTürkiyeTR
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
China applicability
The source text is retained below.
Original
1、中国大陆：大陆居民不能按中国大陆居住身份申请；成为巴西税务居民并具备有效 CPF及认可证件后可申请，已持卡用户可在接受 Mastercard 国际卡的商户使用。
2、香港：香港居民不能按香港居住身份申请；成为巴西税务居民并符合 Bipa 身份验证条件后可申请，已持卡用户可在 Mastercard 受理网络消费。
3、澳门：澳门居民不能按澳门居住身份申请；成为巴西税务居民并符合 Bipa 身份验证条件后可申请，已持卡用户可在 Mastercard 受理网络消费。
4、台湾：台湾居民不能按台湾居住身份申请；成为巴西税务居民并符合 Bipa 身份验证条件后可申请，已持卡用户可在 Mastercard 受理网络消费。
Updated: Aug 10, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
NoNot requiredAccepted documents
RG / CNH / CIN / RNE
Review time / regional limits
Most automatic reviews take about ten minutes; manual review takes up to two business days.
KYC provider
CAF (COMBATEAFRAUDE TECNOLOGIA DA INFORMAÇÃO S.A.)
Updated
Aug 10, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedAug 10, 2026
Wallet payments
Alipay
Supported
Aug 10, 2026
Wallet payments
Apple Pay
Supported
Aug 10, 2026
Cash services
ATM withdrawal
Not supported
Aug 10, 2026
AI tools
ChatGPT
Supported
Aug 10, 2026
AI tools
Claude
Supported
Aug 10, 2026
Wallet payments
Google Pay
Supported
Aug 10, 2026
AI tools
Midjourney
Supported
Aug 10, 2026
In-person payments
Offline POS
Supported
Aug 10, 2026
Online shopping
Online shopping
Supported
Aug 10, 2026
Wallet payments
PayPal
Supported
Aug 10, 2026
Subscriptions
Subscription payment
Supported
Aug 10, 2026
Wallet payments
WeChat Pay
Supported
Aug 10, 2026
User reviews
Showing 10 approved reviews matched to this card
Altas taxas e trava seu saldo.
As taxas são altas para btc, existe ganho no spread também, demora muito para transferir, limita sua retirada com limites baixos, alterações de limites levam 96h isso quando são aprovados, não recomendo e não usarei mais!
View original Intuitivo de mais
10
View original Recomendo
Pra mim um dos melhores aplicativos
View original Ótimo
Queria que fosse possível editar o valor que eu compro em moedas no meu plano recorrente.
View original Erro de conexão no login
Todos os apps e sites que eu acesso diariamente no último ano funcionam perfeitamente no meu iPhone, mas o Bipa é diferente, não funciona nem com reza e ainda faz gaslight dizendo que o problema é o seu wifi ou vpn.
View original Cartão top de linha. Bitcoin dinheiro do futuro 👍🏽
Ótimo!
View original Praticidade
8
View original Cadastro de carteira
Cadastrei a carteira na hora de transferir excedeu limite, falei no suporte e em menos de uma hora foi resolvido! Parabéns
View original Bipa: Bitcoin, Pix e Cartão Google Play review - 4 star
Bet coin
View original Top
Alimenta meu limite por favor
View original Risk factors
Updated: Aug 10, 2026
No risk factors are available