Good
- Up to 7% cashback in B2M at Space Center level 7
- Free virtual card and no monthly or annual fee
- No fee on euro payments and free domestic ATM withdrawals
- Apple Pay and Google Pay in all 29 supported countries
Watch out
- Every crypto-funded payment pays a 0.95% conversion fee
- New users start at level 0, which pays no cashback
- Monthly cashback caps, from €7.50 at level 1 to €300 at level 7
- Physical card costs up to €25 outside Spain at low levels
Bit2Me Card is a Mastercard debit card from the Spanish exchange Bit2Me that spends crypto or euros straight from your Bit2Me wallet. The virtual card is free, there's no monthly fee, and crypto payments cost 0.95%. Cashback runs from 0% to 7% in B2M tokens, depending on your level in Bit2Me's Space Center loyalty program.
Bit2Me sells the card to residents of the European Economic Area on the same terms everywhere, except that the physical card costs €5 more to ship outside Spain and ATM fees depend on where you withdraw. Pick your country at the top of the page and every table on it switches to the numbers for that country.
Bit2Me Card cashback
Bit2Me Card pays between 0.25% and 7% cashback in B2M tokens, depending on your Space Center level, and new accounts at level 0 earn nothing.
Space Center is Bit2Me's loyalty program. You earn points by completing missions in the app, such as buying and holding B2M, locking B2M for three to twelve months, trading or referring friends. Level 1 needs 1,000 points and level 7 needs 9,000. If you sell the B2M behind a mission, you lose the points and can drop a level, so the higher rates depend on keeping money in Bit2Me's own token.
Every level has a monthly cap on cashback. Level 1 pays 0.25% up to €7.50 a month, level 3 pays 1% up to €30, and level 4 pays 2% up to €100, which you reach after €5,000 of spending. At the top, level 7 pays 7% but stops at €300 a month, so anything you spend beyond about €4,286 earns nothing extra.
The card only pays cashback when it's linked to a crypto wallet. A euro wallet avoids the conversion fee but earns 0%, and payments at casinos, lotteries, betting sites and financial services never earn cashback.
Bit2Me Card fees
Bit2Me Card has no monthly or maintenance fee, but every payment funded from a crypto wallet costs 0.95%, and payments in other currencies add an FX fee of up to 2%.
The 0.95% fee is the cost of selling your crypto for euros at the moment you pay. It matters most at the lower levels, where 1% cashback at level 3 leaves you about 0.05% ahead, and 0.5% at level 2 leaves you behind. Paying from the euro wallet costs nothing, but then the card pays no cashback.
Payments in euros carry no FX fee. Non-euro payments cost 1.75% in European currencies such as the pound or the Swiss franc, and 2% in the rest of the world, so a holiday in the US costs close to 3% on top of the price once the crypto fee is added.
The virtual card is free at every level. The physical card costs €20 at levels 0 to 2, €10 at level 3, €5 at level 4 and nothing from level 5, with a €5 surcharge for delivery outside Spain.
Bit2Me Card ATM withdrawal fees
Bit2Me Card withdrawals at domestic ATMs carry no Bit2Me fee, international ATMs in the eurozone cost €2.50, and ATMs outside the eurozone cost €0.55 plus 1% of the amount.
Withdrawals from a crypto wallet also pay the 0.95% conversion fee, and the bank that runs the ATM may add its own charge. You can take out up to €300 a day and €3,000 a month, but only with the physical card, because the virtual card can't withdraw cash.
A €200 withdrawal at an international eurozone ATM costs €2.50 plus €1.90 in conversion if the money comes from crypto, so linking the euro wallet before you withdraw is the cheaper way to get cash.
Is Bit2Me Card safe?
Bit2Me Card is custodial: your crypto and euros sit in your Bit2Me account, and Bit2Me controls the keys.
Bit2Me has operated since 2014 and is registered as a crypto-asset service provider under MiCA, the EU's crypto regulation, through its Spanish company Bitcoinforme. The card and its payment account are issued by Pecunia Cards (Pecunpay), an electronic money institution supervised by the Bank of Spain.
Tether bought a minority stake in Bit2Me in 2025, and the Spanish bank Bankinter joined its shareholders in 2026. As with any exchange-linked card, it makes sense to keep only what you plan to spend on the platform.
Who should get Bit2Me Card
Bit2Me Card suits people in Spain who already hold B2M and sit at Space Center level 4 or above, where 2% to 7% cashback leaves a clear margin over the 0.95% conversion fee.
At level 4, 2% on €5,000 a month returns €100, or €52.50 after the conversion fee. At levels 1 to 3 the cashback is close to the fee, so the card works more like a free euro debit card with an optional crypto wallet than a rewards card.
For anyone who doesn't want to hold B2M, the comparison below shows cards that pay cashback without a loyalty token.
Where Bit2Me Card is available
Bit2Me Card is available to tax residents of 29 countries in the European Economic Area, including Spain, Germany, France and Italy, but not Ireland, the UK or the US.