Available regions
Applications or normal card activation are supported
BrazilBR
- Evidence
- Officially supported
Card database / Mastercard / Crypto prepaid card
B
Bipa Card
Updated: Sep 11, 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.
- Card network
- Product type
- Crypto prepaid card
- Card form
- Virtual card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 80-89
- Supported assets
USDT
BTC- Last updated
- Sep 11, 2026
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
- State of São Paulo, Brazil
- 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.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when 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 language support
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
Availability in English-Speaking Markets
1. United States：Cannot apply，Can use，Bipa card issuance is tied to a Brazilian payment account requiring a CPF and Brazilian KYC documentation; eligible existing cardholders may use the Mastercard internationally.
2. United Kingdom：Cannot apply，Can use，Bipa card issuance is tied to a Brazilian payment account requiring a CPF and Brazilian KYC documentation; eligible existing cardholders may use the Mastercard internationally.
3. Canada：Cannot apply，Can use，Bipa card issuance is tied to a Brazilian payment account requiring a CPF and Brazilian KYC documentation; eligible existing cardholders may use the Mastercard internationally.
4. Australia：Cannot apply，Can use，Bipa card issuance is tied to a Brazilian payment account requiring a CPF and Brazilian KYC documentation; eligible existing cardholders may use the Mastercard internationally.
5. South Africa：Cannot apply，Can use，Bipa card issuance is tied to a Brazilian payment account requiring a CPF and Brazilian KYC documentation; eligible existing cardholders may use the Mastercard internationally.
6. New Zealand：Cannot apply，Can use，Bipa card issuance is tied to a Brazilian payment account requiring a CPF and Brazilian KYC documentation; eligible existing cardholders may use the Mastercard internationally.
7. Ireland：Cannot apply，Can use，Bipa card issuance is tied to a Brazilian payment account requiring a CPF and Brazilian KYC documentation; eligible existing cardholders may use the Mastercard internationally.
Updated: Sep 11, 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
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
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 Bipa: Bitcoin, Pix e Cartão Google Play review - 2 star
Depois da atualização com planos de cobrança e o free que não paga mais cashback e só 70% do CDI, perdeu o sentido. Concorrência tem cartão em dólar, sem IOF e cashback 4x maior.... Ah e claro, esse Spread ridículo de alto.... Conseguiram acabar com a Bipa!
Official reply
View original Olá, Matheus! No momento, o cartão está disponível apenas na versão digital. O físico já está em desenvolvimento e deve chegar em breve! 🚀
Obrigada pelo feedback e pelas estrelinhas 😊
Abraço!
Equipe Bipa
Bipa: Bitcoin, Pix e Cartão Google Play review - 2 star
🚨Aquelas imagens que ficam passando na Home do aplicativo, são um lixo, apenas poluí visualmente a home da bipa e outros bancos como a nubank e o inter, gostaria que vocês deixassem uma opção para o usuário poder remover essas imagens inúteis que ninguém lê, por favor...🚨
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 Risk factors
Updated: Aug 10, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does Bipa Card require KYC?
Our record lists the Bipa Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Bipa Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up Bipa Card with?
Our record lists Bipa Card support for: USDT and BTC.
Is Bipa Card a virtual or a physical card?
Bipa Card is offered as: Virtual card.
Where is Bipa Card available?
Our record lists 1 countries or regions as available and 193 as restricted. Country-by-country status is in the regions section of this page.
Who issues Bipa Card?
Bipa Card is operated by Bipa (Cartão Bipa / Bipa Card) on the Mastercard network.