TOP Bitcoin Debit Card – a Crypto Currency Card Comparison
Bitcoin is the money of the internet – and with a Bitcoin Credit Card, you can pay anywhere worldwide where Credit- or Debit Cards are accepted with the Crypto Currency of your choice. Together with a Bitcoin Wallet, you can replace about 95% of all services a normal Bank can also provide to you.
With the big difference that you have total control over your money balance and nobody else. This is the future of finance. Enjoy the freedom. If you have questions about buying a Bitcoin Card, make sure to check our “How to choose” guide below.
Spectrocoin Bitcoin Card
Cryptopay Bitcoin Card
WageCan Bitcoin Card
AdvCash Bitcoin Card
CoinsBank Bitcoin Card
Uquid Bitcoin Card
Xapo Bitcoin Card
Spectrocoin Bitcoin Card – Pros and Cons
Pro:
+ All countries around the world included
+ Apps available for Windows mobile users too
+ Company card is available
Contra:
– Expensive shipping
– Scam report and complaints
– Missing information from the website
Anonymous Card: Yes
Plastic Card: Yes
Virtual Card: Yes
Card Price: Plastic $9.00/€8.00/£6.00 – Virtual $0.50/€0.50/£0.50
Currencies: USD, EUR, GBP
Foreign Transaction Fee: 3%
Loading Fee: Free
Monthly Fee: $1.00/€1.00/£1.00
Cryptopay Bitcoin Card – Pros and Cons
Pro:
+ Three major currencies (EUR, GBP, USD) are all authorized
+ Free shipping world-wide
+ Website well designed and easy to use
Contra:
– Only for EU citizens
– Higher prices
– Foreign transaction fee
Anonymous Card: Yes
Plastic Card: Yes
Virtual Card: Yes
Card Price: Plastic 15 €/£/$ – Virtual 2.50 €/£/$
Currencies: EUR, GBP, USD
Foreign Transaction Fee: 3%
Loading Fee: 1%
Monthly Fee: $1
WageCan Bitcoin Card – Pros and Cons
Pro:
+ Available for many countries including USA
+ Founders with strong technological background
+ Available in USD, EUR, GBP
+ Bonus program
Contra:
– Expensive card fee
– Information is difficult to find on the website
– The cheaper card is out of stock
Anonymous Card: No
Plastic Card: Yes
Virtual Card: Yes
Card Price: From 0.025 BTC
Currencies: EUR, GBP, USD
Foreign Transaction Fee: 3%
Loading Fee: Free
Monthly Fee: $1
AdvCash Bitcoin Card – Pros and Cons
Pro:
+ No monthly maintenance fee
+ RUB as available currency
+ Free top up from SWIFT/SEPA transfers, flat rate for transfers
Contra:
– No apps available
– Only EU Countries supported
– No information on ownership structure or executives
– Daily limits on purchases for even verified users
Anonymous Card: Yes
Plastic Card: Yes
Virtual Card: Yes
Card Price: Plastic $/€ 4.99 (14.99 after 7 days) – Virtual 1 + 0.99 $/€ funding
Currencies: EUR, GBP, USD, RUB
Foreign Transaction Fee: 2.95%
Loading Fee: $/€ 0.99 per transaction
Monthly Fee: Free
CoinsBank Bitcoin Card – Pros and Cons
Pro:
+ All-in-one crypto provider with wallet, exchange and bitcoin debit card
+ Beside major fiat currencies USD, EUR, GBP, the card is available in RUB, CHF, AUD, JPY currencies too and enables litecoin accounts too
+ Many card possibilities based on verification level
Contra:
– Complex and not transparent ownership and firm structures
– Free shipping is available only for premium users
– High fees apply on POS and ATM
AnonymousCard: Yes
Plastic Card: Yes
Virtual Card: Yes
Card Price: Plastic from $14.95 – Virtual from $2.95
Currencies: EUR, GBP, USD, RUB, CHF, AUD
Foreign Transaction Fee: From 2.5%
Loading Fee: Free
Monthly Fee: $0.95-$2.95
Uquid Bitcoin Card – Pros and Cons
Pro:
+ Available in USD, EUR, GBP and 40 different altcoins beside bitcoin
+ Unlimited lifetime purchases and ATM withdrawals
+ Many loading options
Contra:
– Poor English is used on their website
– Not available for US residents
– Fresh company
Anonymous Card: Yes
Plastic Card: Yes
Virtual Card: Yes
Card Price: Plasitc $1 – Virtual $1
Currencies: USD, EUR, GBP and 40 different altcoins
Foreign Transaction Fee: 3%
Loading Fee: 1.5% – 5%
Monthly Fee: $1
Xapo Bitcoin Card – Pros and Cons
Pro:
+ High level of security
+ Strong capital structure
+ No top up fees
Contra:
– Unverified user have limit for online and POS transactions
– Xapo supports Segwit2X
– Expensive shipping
– US citizens excluded
Anonymous Card: No
Plastic Card: Yes
Virtual Card: No
Card Price: Plastic $20 / € 18 / £13
Currencies: EUR, GBP, USD
Foreign Transaction Fee: 3%
Loading Fee: Free
Monthly Fee: $1
What is the best Bitcoin Card for me?
How to choose the right Bitcoin Card provider?
There are many companies and start ups providing bitcoin debit cards nowadays as the cryptocurrencies are gaining more and more popularity.
There are some points that a wanna-be bitcoin debit cardholder may need to look for when searching for the best provider. The card providers disclose most of this information on their sites, so all it takes just to read it through carefully. Get background information of the card issuer company.
The whole idea behind bitcoin and the public blockchain ledger is distrust. So bitcoin debit cardholders are usually more suspicious clients than customers in other industries. Therefore the providers must convince their future clients that they provide legit, trustworthy services.
Provided Services
Usually the providers offer much more services than just a card. Everyone has a wallet, but for example Spectrocoin, Cryptopay, CoinsBank, Xapo all run their own bitcoin exchanges enabling direct bitcoin purchases through their websites. Otherwise user have to possess cryptocurrencies before loading them to the respective bitcoin debit card.
AdvCash bitcoin debit card has the three major fiat currencies like USD, EUR and GBP are accepted by all providers. RUB is the forth most common currency, Russian users may order AdvCash bitcoin debit cards where the accounts are denominated in RUB.
Plastic and virtual cards are on the market. The plastic cards can be used for both ATM withdrawals and online purchases, the virtual cards can be used only online. It worth checking before signing up whether the provider issues the plastic cards or only a virtual option is available.
At many bitcoin debit card provider, users may use the services even without a personal identity verification, although with certain applied limites. These limits include a daily, monthly and lifetime limits on cash withdrawals or on POS purchases. Otherwise the verification process is done by submitting a proof of identity in a form of a national ID card and a proof of residence which can be a utility bill from the past 3 months in most of the cases. The time needed for verification can vary a lot, from couple of hours to even 10 days.
Bitcoin Debit Card, which to choose?
Due to regulations and legislation issue users in the United States are excluded from the services, except at CoinsBank which offers limited services to US citizens.
The shipping of the plastic card prices is built in other fees, so normal shipping is usually free, the providers charges about 45-70 USD for expedited delivery option.
Most of the providers have smartphone apps available to make sure users control their finances from smartphone. Usually iOS and Androids applications are provided, but Windows phone users may need to search further, as it is only available for Spectrocoin clients.
Card Pricing and Transaction Fees
The initial card issue fees are ranging from 5 USD to 20 USD with an average of 10 USD. Some provides only virtual cards, but that only cost 0.5 USD.
At some providers being inactive with the card is not penalized but many charge an extra fee for being inactive. Inactive users are the ones who are not transacting even once in two years with the card.
Clients can loading the card with wire transfers or SEPA transfers for fees around 0.5%-1%. Some providers applies flat rates, so clients should pay attention to the number and amount of funds transferred from the wallet account to the debit card. There is the option to load and unload with alternative payment providers such as Skrill, Neteller or PayPal. Some bitcoin debit cards, however the pricing is higher than wire transfers, can be 1% to 5% per transactions.
The bitcoin debit card providers are profiting when the user is transacting with the card. Although the online purchases are usually free, but some may charges fees on that too. ATM is always charged on the other hand. The domestic cash withdrawals is around 2-3 USD, the international withdrawals are 3-4 USD, it is also possible that flat rate is applied beside the percentages. If the purchase or withdrawal currency is different than the default currency of the account all providers charge an extra currency exchange rate of 3%.
Client Feedback and User Experience
Good service starts with a good landing page. It should be clear what is the service and how much does it cost. The clients use the website to find relevant information about the services provided. Beside a clear menu structure and FAQ; providers should include a search functionality within it. Customer satisfaction is highly depending on the supports provided by the bitcoin debit card issuers, such as Ticket system, Hotline Live chat.
Conclusion
There are many possibilities a bitcoin card provider can offer for its client. The best bitcoin debit card provider is dependent on specific the user’s needs.
Bitcoin Card Comparison
