Bitsa Card Review: Fees, Plans, Limits & Cashback

How Bitsa Works

Bitsa is a prepaid Visa programme rather than a bank account or credit card. The card spends only the euro balance already loaded to it, so there is no borrowing, overdraft or interest. A user can start with a free virtual card, add a physical card for ATM access, and create more cards on the paid plans to separate travel, subscription or household spending.

There are two distinct crypto flows:

1. Crypto card top-up: Bitsa generates a one-time blockchain address. The user sends crypto from an external wallet or exchange, and the received amount is converted into euros for the card.
2. In-app crypto module: Users can buy and sell available crypto inside the app, but those internal holdings cannot be sent to or received from an external wallet. They must be sold into euros before card spending.

That distinction matters. Bitsa is open to external crypto for a card top-up, but it is not an open crypto wallet. Reusing an old top-up address or sending the wrong asset or network can delay or permanently lose a deposit.

Bitsa previously announced Samsung Pay as well. Its current help centre now documents Apple Pay and Google Pay, but no longer maintains a current Samsung-specific setup guide. Anyone relying on Samsung Pay should confirm compatibility in the app before ordering a card.

Plans, Fees and Limits

Bitsa's adult plans are Free, Move and Pro. The fee and limit differences are meaningful: Move mainly raises account limits and card count for a low subscription, while Pro targets users who need much higher purchase limits, more cards and fee-free standard transfers.

The card counts are plan allowances, not a promise that every listed card is free. Bitsa currently includes the first virtual card; physical cards cost €20 and additional virtual cards cost €2.50.

Other transaction fees

The current issuer terms and Bitsa's newer ATM guide disagree about Eurozone withdrawals outside Spain. The issuer schedule is more specific and lists €2.50, while the newer guide says the ATM operator's fee is passed through. Check the live app and ATM screen before confirming a withdrawal.

The current issuer fee schedule does not list an inactivity or monthly maintenance charge. It instead lists balance management after expiry and cancellation at €0. Move and Pro subscription prices remain the recurring plan charges.

Bitsa Young

Bitsa Young remains available to users aged 16 or 17 after identity verification and authorization by a verified guardian. The current public adult-plan table does not publish a separate Young fee-and-limit schedule. The guardian should inspect the Young terms shown during authorization rather than assuming it inherits every Free-plan fee or limit.

Cashback and Benefits

Bitsa's “up to 15% cashback” is not a flat rate on ordinary Visa spending. It is a variable rebate on selected-brand purchases through Bitsa Rewards, the coupon marketplace inside the app. Bitsa has named brands such as Spotify, Nintendo, Sony, Netflix, H&M, Carrefour and Twitch, but the actual percentage depends on the active brand and offer.

This programme should be understood as selected-brand savings, not 15% cashback on groceries, travel or every card payment. There is no universal base card-spend rate to use when comparing Bitsa with a card that pays a fixed percentage everywhere.

The eSIM is a service available for purchase inside the Bitsa ecosystem, not a free data allowance included with a card plan. Likewise, extra cards are useful for budgeting, but they remain subject to the published physical or virtual card charge.

Crypto Funding and Custody

Bitsa supports crypto-to-euro card top-ups from an external wallet or exchange. Its current site explicitly surfaces BTC, ETH and USDC, while the app can show additional assets and may change the available list. Always generate a new deposit address and confirm the exact asset and network inside the app before sending.

The process is:

1. Choose Top up and select cryptocurrency.
2. Select the asset and enter the amount.
3. Send from an external wallet or exchange to the newly generated address.
4. Wait for blockchain confirmation.
5. Bitsa converts the deposit into euros and credits the prepaid balance.

This is different from keeping crypto in a self-custodial wallet. Once the top-up is sent, the user no longer controls it with private keys. The resulting EUR is electronic money inside the PecunPay card programme. The separate in-app crypto module is also custodial: users can buy or sell, but cannot withdraw those holdings to an external wallet.

The plan's crypto sell fee—2.39%, 2.14% or 1.89%—must be considered before using Bitsa as a frequent crypto off-ramp. A non-euro purchase can then add the 1.75% or 2% card FX fee after the crypto has already been converted.

Supported Countries and Restrictions

Bitsa targets residents of the European Economic Area. Its January 2026 help article names most supported EEA markets and visibly strikes Bulgaria, Croatia and Latvia from the list. The page describes its list as examples rather than a complete legal schedule, so a country omitted from that article should not automatically be treated as unsupported.

Application and Identity Requirements

Applicants need proof of residence in an eligible country and identity verification. Adults use the normal Free, Move or Pro onboarding. Users aged 16 or 17 can apply through Bitsa Young by entering a guardian's email; the guardian must have or create a verified Bitsa account and authorize access from the app.

The Visa merchant network can be used much more widely than the applicant footprint. Global merchant acceptance does not mean a resident of every country can obtain the card.

Issuer, Safeguarding and Security

Pecunia Cards EDE S.L.U., trading as PecunPay, issues the card and operates the electronic-money account. It is a Spanish electronic-money institution registered with Banco de España under number 6707. Bitsa SAS is the French programme operator; it is not a second card issuer.

PecunPay's current terms say customer funds are segregated from its own funds and protected from claims by PecunPay creditors. They name Banco Sabadell, Unicaja Banco, Banco Inversis and ABANCA as safeguarding banks. The same terms expressly state that electronic-money balances are not bank deposits and are not covered by a deposit or investment guarantee scheme.

The account uses Strong Customer Authentication. Current Bitsa guidance describes an SMS code from PecunPay plus a personal SCA secret for online purchases, transfers and sensitive account changes. Users can also block cards in the app.

PecunPay may suspend an account or card for failed KYC, suspected fraud or money-laundering risk, or failure to provide requested source-of-funds documentation. Its terms allow automated blocking in several of those circumstances. Bitsa says most suspensions are temporary when the user cooperates, but independent feedback shows that resolution time is a meaningful practical risk.

Regulatory history

Banco de España published final sanctions against Pecunia Cards and former directors for serious and very serious failures primarily during 2021 and 2022. The cited issues included organisational and internal-control deficiencies, customer protection and transparency, safeguarding of customer funds and commission practices. The decisions were issued in late 2023 and published in late 2023 and early 2024.

This history does not mean the current Bitsa card is discontinued: PecunPay remains registered and continues issuing cards. It does mean users should treat the issuer's safeguarding, support and compliance processes as a material part of the risk assessment rather than relying only on the Visa logo.

User Feedback and Product History

At review time, Bitsa's Trustpilot profile showed 1.3/5 from 360 reviews: 68% one-star and 24% five-star. Trustpilot also said the company had not replied to negative reviews and had 21 reviews in the preceding 12 months. Google Play showed 2.8/5 from roughly 2,300 reviews and more than 100,000 downloads.

These are platform-level ratings, not a controlled card-only survey. Still, the most recent detailed complaints repeat a consistent pattern: accounts blocked after bank transfers or compliance checks, lengthy requests for documents, inaccessible balances and slow or absent support replies. Other complaints mention failed authentication, declined virtual-card payments and crypto top-ups that did not arrive promptly.

The 24% five-star share shows that a meaningful group has had a positive experience, and Bitsa's core convenience is clear when the service works: a free virtual Visa, several funding routes, multiple balances and direct crypto-to-euro top-ups. The risk is concentrated in what happens when compliance or support intervention is needed. Users should start with a modest balance, keep transaction records, and avoid treating the account as their only source of day-to-day funds.

Product timeline

• 2020: Bitsa introduced Free, Move and Pro plans and launched Bitsa Rewards as an in-app selected-brand coupon marketplace.
• 2020: Apple Pay, Google Pay and Samsung Pay were announced; current help now actively documents Apple Pay and Google Pay.
• 2023–2024: Banco de España finalised and published sanctions tied mainly to PecunPay conduct in 2021–2022.
• 2025: Bitsa refreshed the plan limits, external-card top-up allowances and crypto sell fees.
• 2026: Current product material reinforced the prepaid Visa model, free first virtual card, crypto top-ups and multi-card management.
• August 2026: Bitsa documented a live in-app crypto buy/sell module in addition to the older external-wallet card top-up flow.

Who Bitsa Is Best For

Bitsa is most relevant to EEA residents who want a separate prepaid euro balance and occasionally convert crypto for spending. The Free plan is the natural starting point for light use. Move is inexpensive if the extra cards, higher limits or monthly reload allowance matter. Pro makes sense only for users who genuinely need the much higher limits, more cards and fee-free standard transfers; the lower crypto sell fee alone requires substantial conversion volume to recover the subscription cost.

It is less suitable for anyone who needs self-custody, wants a flat everyday cashback rate, frequently spends outside the euro area, or cannot tolerate the risk of a compliance hold on a custodial balance.

Top-Up Methods

• Bank transfer: Send EUR through the PecunPay-held IBAN route
• Payment card: Free external-card reload allowances vary by plan; later reloads cost 1.5%
• Crypto: Send a supported asset from an external wallet or exchange to a one-time address; it is converted into EUR
• Vouchers: Bitsa retail vouchers can be redeemed with a 0%–6% charge
• Internal crypto: The app also supports buying and selling, but not external send or receive

Self-Custody Custodial

• Before top-up: Crypto remains user-controlled until sent from an external wallet or exchange
• Conversion: Bitsa and its providers convert external crypto deposits into EUR card balance
• Internal crypto: Assets bought in the app are custodial and cannot be sent to or received from external wallets
• Card balance: EUR electronic money is held through PecunPay and depends on programme access
• Safeguarding: Client funds are segregated, but electronic money is not covered by a bank deposit-guarantee scheme

Pros and Cons

Pros

• First virtual Visa card is free
• Physical and virtual cards with separate balances
• External-wallet crypto top-ups convert directly into EUR
• Bank transfer, payment-card and retail-voucher funding options
• Free, low-cost Move and higher-limit Pro plans
• Apple Pay and Google Pay support
• Selected-brand rebates up to 15%
• No staking or token holding requirement
• Bitsa Young access for 16- and 17-year-olds with guardian authorization

Cons

• Provider-held crypto and EUR balances
• No external transfer from the in-app crypto module
• 1.89% to 2.39% crypto sell fees
• 1.75% to 2% non-euro card FX fees
• Weak current Trustpilot and Google Play ratings
• Repeated user complaints about account freezes and support delays
• No bank deposit-guarantee coverage
• Conflicting current wording for Eurozone ATM charges
• Selected-brand rewards are not universal card cashback

Verdict

Bitsa offers a useful combination for the right European user: a free virtual prepaid Visa, several ways to add euros, external-wallet crypto top-ups and up to eight cards with separate balances. Its plans are easy to understand once selected-brand rewards are separated from ordinary card cashback and the real fee stack is made visible.

The main concern is operational rather than cosmetic. Funds are custodial, the issuer can block access for compliance checks, public user feedback contains recurring reports of lengthy freezes, and the issuer has a material regulatory history. Bitsa can work well as a secondary spending card funded in modest amounts. It is harder to recommend as the only account holding money needed urgently.