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Bitsa Card

Updated: Aug 10, 2026

Bitsa Card is a Visa crypto-friendly prepaid debit card for European residents, offered by the Bitsa platform. The payment account and card are provided by PECUNPAY, an electronic money institution regulated by the Bank of Spain. Users can top up their euro balance through bank transfers, bank cards, Voucher or crypto assets and spend with virtual and physical cards. Crypto asset conversion services are provided by Bitnovo. Current features include Apple Pay, Google Pay, SEPA transfers, ATM withdrawals and separate balance management for multiple cards.
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Card network
Visa
Product type
Crypto prepaid card
Card form
Virtual card / Physical card / Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDC / BTC / ETH / SOL / XRP / ADA / DOGE / TRX / AVAX / DOT / LINK / MATIC / DAI
Last updated
Aug 10, 2026

Official and company information

Issuer identity and company credentials

Bitsa is a fintech platform offering euro e-money accounts, virtual and physical Visa cards, and crypto asset top-up and spending features. The platform is operated by the French company BITSA SAS, which handles the app, brand, user portal, and card management; the e-money account, payment services, and Bitsa Visa card are provided by Pecunia Cards E.D.E., S.L.U., a licensed Spanish e-money institution, under the PECUNPAY brand. Some crypto asset exchange services also involve PRESSBROKERS, S.L., the operator of Bitnovo.
Company / issuer
Bitsa
Legal name
BITSA SAS
Registered region
France (FR)
Headquarters
Original法国尼斯
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Bitsa integrates a euro e-money account, Visa card, personal IBAN, and crypto exchange in one app. After identity verification, users can obtain a virtual card and apply for a physical card as needed. Top-up methods include bank card, bank transfer, voucher, and crypto assets. When using cryptocurrency to top up, Bitnovo handles the conversion of assets to euros, which then enter the user's Bitsa account balance. The account currently offers three plans: Free, Move, and Pro, each with different limits on balance, top-up, spending, ATM, and multiple cards. Bitsa supports multiple physical and virtual Visa cards managed independently, and can also be used for in-store purchases via Apple Pay or Google Pay.
Visa 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

Bitsa Virtual Card
Bitsa physical card
BITSA YOUNG Card
Card formVirtual cardPhysical cardVirtual + physical card
Fees
Monthly fee
0 EUR
Billed by Free, Move, Pro plans, range €0–€9.99/month
0 EUR
Billed by Free, Move, Pro plans, range €0–€9.99/month
0 EUR
Per selected account plan, monthly fee from €0 to €9.99
Card issuance fee
Free
First card free; additional cards €2.50 each
20 EUR
Card issuance fee per card
0 EUR
Fees vary, card issuance fee from €0 to €20
ATM fee
0.55 EUR + 1%
Foreign ATM fees by region, from €0.55 + 1%
0.55 EUR + 1%
ATM withdrawal only, fee from €0.55 plus 1%
Foreign exchange fee
1.75%
Non-euro transactions charged by region, rate 1.75%–2%
1.75%
Non-euro transactions charged by region, 1.75%–2%
1.75%
Non-euro transactions charged by region, foreign exchange fee 1.75% to 2%
Top-up fee
1.5%
After exceeding free bank card top-up count, 1.5% per transaction
1.5%
Exceeding free bank card top-up count
1.5%
After exceeding free bank card top-up count, 1.5% top-up fee applies
Failed transaction fee
Rewards
Cashback
15%
Limited to designated brand promotions, up to 15%
15%
Limited to designated brand promotions, up to 15%
15%
Limited to designated brand promotions, cashback up to 15%
Crypto cashback
Staking rewards
Staking APR
Welcome bonus
Referral bonus
Limits
Daily spending limit
Monthly spending limit
15,000 EUR
Limits increase with account plan
15,000 EUR
Limits increase with account plan
15,000 EUR
Monthly spending up to €15,000, subject to account plan limits
ATM withdrawal limit
900 EUR
Pro allows up to four ATM withdrawals per day
900 EUR
ATM withdrawal limit up to €900/day, only per plan
Card network
Drag horizontally to view other cards

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.

Available regions

Applications or normal card activation are supported

26
GermanyDEDenmarkDKFranceFRIrelandIELithuaniaLTNorwayNOSwedenSEPolandPLHungaryHUCzechiaCZAustriaATMaltaMTIcelandISFinlandFILiechtensteinLIPortugalPTItalyITLuxembourgLUSpainESNetherlandsNLSloveniaSIBelgiumBESlovakiaSKEstoniaEEGreeceGRRomaniaRO
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

168
MauritiusMUGuineaGNBeninBJBruneiBNFijiFJSouth AfricaZANorth MacedoniaMKEl SalvadorSVAndorraADMaliMLHong KongHKChinaCNSerbiaRSPapua New GuineaPGYemenYEVietnamVNCanadaCANepalNPMonacoMCUgandaUGLibyaLYZambiaZMPhilippinesPHQatarQAKiribatiKIZimbabweZWTajikistanTJGeorgiaGEKenyaKEParaguayPYIsraelILEcuadorECDominican RepublicDOBarbadosBBEgyptEGArgentinaARSingaporeSGHondurasHNTaiwanTWMalawiMWSwitzerlandCHMaldivesMVSeychellesSCCape VerdeCVSomaliaSOUnited StatesUSColombiaCOMoroccoMAUzbekistanUZVanuatuVUSierra LeoneSLCosta RicaCRTogoTGEthiopiaETBangladeshBDTanzaniaTZNamibiaNANicaraguaNIAntigua & BarbudaAGGabonGASaudi ArabiaSAMacaoMOVenezuelaVECyprusCYGuyanaGYChileCLVatican CityVASão Tomé & PríncipeSTMalaysiaMYBoliviaBOUkraineUAUruguayUYCentral African RepublicCFAlbaniaALBotswanaBWMozambiqueMZNorth KoreaKPSouth SudanSSCambodiaKHIraqIQNauruNRSolomon IslandsSBTunisiaTNJamaicaJMAngolaAOSan MarinoSMMexicoMXSouth KoreaKRArmeniaAMBelarusBYCubaCUTurkmenistanTMAfghanistanAFHaitiHTSri LankaLKGhanaGHCôte d’IvoireCIJordanJOBurundiBIBahamasBSDominicaDMAzerbaijanAZPakistanPKBosnia & HerzegovinaBAAlgeriaDZMadagascarMGKuwaitKWMyanmar (Burma)MMIndiaINSyriaSYNigerNEIranIRPalauPWLesothoLSRussiaRULatviaLVBulgariaBGMarshall IslandsMHMontenegroMESenegalSNEquatorial GuineaGQKyrgyzstanKGBelizeBZPeruPEKazakhstanKZSt. Kitts & NevisKNJapanJPEritreaERTimor-LesteTLChadTDBahrainBHGrenadaGDSurinameSRPanamaPATrinidad & TobagoTTEswatiniSZSudanSDNew ZealandNZTuvaluTVThailandTHGuatemalaGTCameroonCMComorosKMBhutanBTGuinea-BissauGWUnited KingdomGBMauritaniaMRSt. Vincent & GrenadinesVCNigeriaNGTongaTOLiberiaLRUnited Arab EmiratesAERwandaRWBurkina FasoBFCroatiaHRGambiaGMMoldovaMDLebanonLBSt. LuciaLCAustraliaAUIndonesiaIDSamoaWSBrazilBROmanOMLaosLAMongoliaMNTürkiyeTRDjiboutiDJ
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

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;在 Bitsa 支持的欧洲国家合法居住并完成地址和身份验证后可申请,已持卡用户可通过 Visa 国际受理网络消费。

2、香港:香港居民不能按香港居住身份直接申请;取得 Bitsa 支持欧洲国家居住资格并完成 KYC 后可以申请,已发行卡可在 Visa 受理商户使用。

3、澳门:澳门居民不能按澳门居住身份申请;满足支持欧洲国家居民条件并通过身份及居住验证后可申请,成功发行的 Visa 卡可用于国际消费。

4、台湾:台湾居民不能按台湾居住身份直接申请;居住于 Bitsa 当前支持的欧洲国家并完成 KYC 后可申请,已持卡用户可在 Visa 国际网络使用。

Updated: Aug 10, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID / Residence document

Review time / regional limits

Automatic verification usually takes minutes; abnormal documents or information enter manual compliance review.

KYC provider

Sum and Substance Ltd (Sumsub)

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
Supported12
Not supported0
UpdatedAug 10, 2026

Wallet payments

Alipay

Supported

Aug 10, 2026

Wallet payments

Apple Pay

Supported

Aug 10, 2026

Cash services

ATM withdrawal

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

Newest first
Sigonella2019app_store5 / 5

Complimenti

Mi trovo bene e soprattutto veloce e molto intuitivo
View original
Jessica Smithtrustpilot1 / 5

HEAR ME OUT Bitsa IS A TOTAL SCAM!!!

HEAR ME OUT Bitsa IS A TOTAL SCAM!!!! i WAS parked in my car trying to pull my cash out, squinting through the sun, and SUDDENLY!!!! The display went dark and Bitsa FROZE on me!!!! Just QUIT yelling and finish your nuggets Timmy!!!! They took it all, my entire balance vanished and they REJECTED my cash-out request!!!! i could not reach anyone on their worthless help line!!!! i was sobbing on the driveway (;︵;) but praise god Maestro Resolve SAVED THE DAY!!! They are the ONLY ones who can sort this disaster because the whole app is a rip-off!!!! NEVER TRUST THEM!!!!
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Mme GOFFIN SONIAtrustpilot1 / 5

Des voleurs

J’aimerais qu’il rendre mon argent j’ai un virement qui n’est pas encore venu ni retourner chez le destinataire cela faire des semaines je vais porter plainte pour vole C’est vraiment une manière de voler des personnes
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Bruno Fernandestrustpilot1 / 5

Account Blocked, Funds Withheld, No Response

My experience with Bitsa has been extremely disappointing. My account was blocked after receiving several bank transfers, and I was asked to provide documentation proving the origin of the funds and the transfers. I promptly submitted all the requested documents, including proof of the transfers and an explanation of their origin. Since then, I have received no response whatsoever. My account remains blocked, my funds are still being withheld, and the transfers have not been returned to the senders. I have repeatedly tried to contact customer support by email and telephone, but my calls are rejected and my emails go unanswered. It is completely unacceptable for a financial company to retain a customer's funds indefinitely without providing a decision, a clear explanation, or even a timeline for resolving the case. If the documentation I provided was insufficient, I would expect to be informed of exactly what additional information is required. Instead, I have been met with complete silence. If this matter is not resolved immediately, I will escalate it by filing formal complaints with the relevant financial regulators and consumer protection authorities, and I will pursue all legal remedies available to recover my funds. I sincerely hope this review prompts Bitsa to finally review my case and either restore access to my account or return my funds without any further unjustified delay.
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Akr67123app_store1 / 5

Non va

Bonifico non arrivato e assistenza irraggiungibile
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V9nitroapp_store1 / 5

Conto congelato

Utilizzo Bitsa da ormai un bel po‘ di tempo, mi trovo / trovavo bene Ma dal 7 luglio a causa di un bonifico in entrata il mio conto è stato congelato, e sono impossibilitato a accedere e ad usufruire dei mie fondi, questo danno mi sta causando stress e complicazioni, ho scritto anche a pecunpay l’ente a cui si appoggia Bitsa ma niente da fare. Il loro atteggiamento quasi fraudolento mi fa riflettere ora sul fatto che Bitsa per me abbia perso molto e molti punti. Assistenza clienti che non risponde quando in realtà prima di questo problema rispondevano dopo 2/3 ore ormai ho quasi perso le speranze e agirò per vie legali, mi trovo all estero bloccato senza poter comprare cibo e altri beni primari per colpa loro, ho mandato tutta la documentazione riguardante il trasferimento ma niente da fare ripeto non risponde nessuno. AVETE PERSO PUNTI BITSA TEAM
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Jally Phejartrustpilot1 / 5

arnaque pour Nyx cosmetics !

il y a des gens qui l'utilisent pour des arnaques ! faites attention si vous vous faites contactez par une certaine Sonia Duchel , qui travaille soi-disant pour Nyx Cosmetics !
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Salvap81app_store1 / 5

Truffa

Attenzione vi congelano i fondi senza motivo poi ti chiedono informazioni gli invi tutto e poi inizia il loro silenzio vi prego non ci cascate
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Hirweenapp_store1 / 5

Pessima

Supporto clienti inesistente. Sito che non funziona, carta che ha raggiunto limite piano ma che non mi permette di acquistarne uno nuovo perché non posso ricaricare in base ai limiti del vecchio. Il tutto programmato non male ma peggio. Pessima Pessima Pessima Darei meno stelle e sono anni che ci combatto
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Caesar Alexander Mudrickgoogle_play5 / 5

Bitsa Google Play review - 5 star

best Aplication Ever Wow Cool Design its perfect made by you...
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Risk factors

Updated: Aug 10, 2026

No risk factors are available