Card database / Visa / Crypto debit card

Bitrefill Card

Updated: Sep 14, 2026

Bitrefill Card is a Visa crypto debit card offered by Bitrefill to European users. Supported assets such as BTC, ETH, USDC, BNB, SOL and POL can be deposited and converted into a euro balance for everyday spending. The product offers both virtual and physical cards for online shopping, in-store card payments and ATM withdrawals with the physical card, and provides cashback on spending and crypto top-ups. Users retain custody of their crypto assets until they top up and do not need to stake or lock them.

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Card network
Product type: Crypto debit card
Card form: Virtual card / Physical card
Operating status: Active
KYC level: Tiered KYC
Commercial relationship: No commercial relationship
Risk score: 80-89

Supported assets: USDCBTCETHBNBSOL
Last updated: Sep 14, 2026

Official and company information

Issuer identity and company credentials

Bitrefill is a crypto payment e-commerce and fintech platform headquartered in Stockholm, Sweden, where users can purchase gift cards, mobile top-ups, eSIMs, and other digital products using crypto assets such as Bitcoin, Lightning, USDT, and USDC. Its primary global operating entity is the Swedish company Airfill Prepaid AB. Bitrefill also offers both virtual and physical Visa cards, but card issuance, payment accounts, virtual IBANs, and crypto asset exchange services are provided by third-party licensed institutions.

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Company / issuer: Bitrefill
Legal name: Airfill Prepaid AB
Registered region: Sweden (SE)
Headquarters: Stockholm, Sweden
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

Bitrefill Card combines crypto exchange, euro balance, Visa payment card, and SEPA withdrawal in one account. After identity verification, users can obtain a Virtual Card and Physical Card for free. When topping up, supported crypto assets are converted to euros via Lightspark Payments Europe and then enter the card balance. Currently, there are two tiers: Starter and Plus. Starter has a cumulative crypto top-up limit of €15,000. Plus, after completing proof of address and source of funds review, removes the total top-up limit and raises the monthly spending limit to €15,000. The virtual card supports Google Pay; the physical card supports chip, PIN, contactless payments, and ATM withdrawals.

Visa 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

	BBitrefill Virtual Card	BBitrefill Physical Card
Card form	Virtual card	Physical card
Fees
Monthly fee	Free No regular monthly management fee	Free No regular monthly management fee
Card issuance fee	Free The first card is free.	Free The first card is free.
ATM fee	—	2.49% The ATM operator may charge an additional fee
Foreign exchange fee	Free Uses Visa real-time exchange rate	Free Uses Visa real-time exchange rate
Top-up fee	0 USD Dynamic exchange-rate spread; fee shown before confirming top-up	0 USD Dynamic exchange-rate spread; fee shown before confirming top-up
Failed transaction fee	—	—
Rewards
Cashback	1% 1% cashback on qualifying purchases	1% 1% cashback on qualifying purchases
Crypto cashback	—	—
Staking rewards	—	—
Staking APR	—	—
Welcome bonus	—	—
Referral bonus	—	—
Limits
Daily spending limit	10,000 EUR Starter and Plus are the same	10,000 EUR Starter and Plus are the same
Monthly spending limit	15,000 EUR Plus tier maximum limit	15,000 EUR Plus tier maximum limit
ATM withdrawal limit	—	350 EUR Daily limit €350; also a monthly limit of €3,000
Card network

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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.

Available regions

Applications or normal card activation are supported

SwedenSEEstoniaEESpainESLithuaniaLTCyprusCYIrelandIESlovakiaSKIcelandISNetherlandsNLMaltaMTSloveniaSIBulgariaBGLatviaLVAustriaATCzechiaCZPolandPLItalyITBelgiumBENorwayNOGreeceGRRomaniaROPortugalPTFranceFRLuxembourgLUFinlandFIDenmarkDKCroatiaHRGermanyDE

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

Trinidad & TobagoTTPhilippinesPHGhanaGHEgyptEGKyrgyzstanKGJapanJPSyriaSYHungaryHUMoroccoMAAlgeriaDZKenyaKEKazakhstanKZMoldovaMDTurkmenistanTMYemenYELebanonLBHaitiHTCambodiaKHSenegalSNUnited Arab EmiratesAEBotswanaBWIraqIQSudanSDChadTDTunisiaTNSouth SudanSSPakistanPKCentral African RepublicCFUnited StatesUSAzerbaijanAZGuinea-BissauGWTürkiyeTRBurundiBIPanamaPACameroonCMAlbaniaALBelarusBYMyanmar (Burma)MMUkraineUAMauritiusMUBurkina FasoBFEquatorial GuineaGQIranIRMozambiqueMZLibyaLYTanzaniaTZVanuatuVUUgandaUGBarbadosBBCayman IslandsKYSri LankaLKNigeriaNGAfghanistanAFGuineaGNJordanJOJamaicaJMNorth KoreaKPNigerNERussiaRUMaliMLZimbabweZWCubaCUTajikistanTJSaudi ArabiaSAArmeniaAMVenezuelaVESomaliaSOUzbekistanUZNicaraguaNI

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，U.S. residents are outside the current issuance countries and U.S. citizens are expressly ineligible, but cards issued to eligible users can still be used in the United States.

2. United Kingdom：Cannot apply，Can use，UK residents are outside Bitrefill’s current issuance countries, but cards issued to eligible users can be used in the UK.

3. Canada：Cannot apply，Can use，Canada is not included in the current card issuance countries, while eligible existing cardholders can use the card in Canada.

4. Australia：Cannot apply，Can use，Australian residents are outside the current issuance area, but Bitrefill does not prohibit card transactions in Australia.

5. South Africa：Cannot apply，Can use，South Africa is not included in Bitrefill’s current issuance countries, while eligible existing cardholders can use the card locally.

6. New Zealand：Cannot apply，Can use，New Zealand residents are outside the current issuance countries, but cards issued to eligible users can be used in New Zealand.

7. Ireland：Can apply，Can use，Irish residents are explicitly included in the current issuance program and can apply after completing the required identity verification.

Updated: Sep 14, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Tiered KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID / Driver's license / Residence permit

Review time / regional limits

Automatic identity verification can be completed quickly; abnormal documents and source of funds enter manual review.

KYC provider

Lightspark Payments Europe AS

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

Supported

Bitrefill: Gift Card & Games Google Play review - 5 star

excellent app.thankyou.highly appreciated

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Inaku Murphygoogle_play★ 5 / 5Sep 17, 2026

Bitrefill: Gift Card & Games Google Play review - 5 star

One of its kind, keep the good work 👍

View original

Very easy and convenient for all crypto users

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Martin Johansentrustpilot★ 1 / 5Aug 14, 2026

Warning!! Confirmed by Swedish Police this is a scam!!

Warning!!! This is a pure scam. All positive reviews are fake. They stole 800 euro from me for several days a few weeks ago and now they stole 550 euro. It's my fault that though I should give them a second chance. But that got expensive. Just filed a fraud police report against them and their CEO Sergej Kotliar (Swedish citizen but sure not Swedish). Tried to cotact them 50+ times no response at all. But I will make them loose much more than the 550 euro they stole.

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Risk factors

Updated: Aug 10, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Bitrefill Card require KYC?

Our record lists the Bitrefill Card verification requirement as: Tiered KYC. Document and review details are in the KYC section of this page.

Does Bitrefill Card support Apple Pay and Google Pay?

Apple Pay: Not supported. Google Pay: Supported.

Which assets can I top up Bitrefill Card with?

Our record lists Bitrefill Card support for: USDC, BTC, ETH, BNB, and SOL.

Is Bitrefill Card a virtual or a physical card?

Bitrefill Card is offered as: Virtual card and Physical card.

Where is Bitrefill Card available?

Our record lists 28 countries or regions as available and 69 as restricted. Country-by-country status is in the regions section of this page.

Who issues Bitrefill Card?

Bitrefill Card is operated by Bitrefill on the Visa network.