Image: Bit2Me (Bitcoinforme S.L., Spain)
Bit2Me Card review: fees, cashback and limits
Spain's MiCA-licensed exchange card, with cashback up to 7% by tier.
Quick answer
The Bit2Me Card is a Mastercard from Bit2Me, a Spanish exchange licensed under MiCA by the CNMV. It comes as a virtual or physical card with no maintenance fee, spends your crypto or euros, and has no commission when you pay in euros. Cashback goes up to 7% depending on your Bit2Me tier, which depends on holding its B2M token. Bit2Me doesn't publish its FX or ATM fees on the card page.
Bit2Me Card at a glance
| Best for | Bit2Me users in Spain and the EEA who hold B2M. |
|---|---|
| Skip it if | You don't want to hold an exchange token to unlock cashback. |
| Network | Mastercard |
| Card issuer | Not named on the card page |
| Custody | Custodial. Funds stay in your Bit2Me account. |
| Card type | Debit |
| Virtual or physical | Virtual and physical |
| Cashback | Up to 7% by tier |
| Annual fee | None |
| Apple Pay / Google Pay | Yes / Not confirmed |
| Identity check (KYC) | Required |
| Where it works | Bit2Me customers in Spain and the EEA. |
Bit2Me Card fees
| Card cost | Not listed. No maintenance fee on virtual or physical cards. |
|---|---|
| Annual or membership fee | None |
| FX and cross-border | No commission on euro payments. Fees on other currencies aren't published on the card page. |
| Crypto conversion | Crypto converts when you pay. Spread not published. |
| ATM withdrawals | Supported. Fee not published on the card page. |
Mastercard applies its own exchange rate on top of any card markup. Check the fee page in the Bit2Me Card app for your country before you load money. To see what Bit2Me Card would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Bit2Me Card
These are Bit2Me Card's own fees on the Base tier, before the card network's exchange rate and any ATM or top-up costs. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #28 of 36 in Europe (EEA)
Cashback and rewards
- Up to 7% back on purchases depending on your Bit2Me tier, which is linked to B2M holdings
- Linking the card to a stablecoin in Earn can add yield on top
- Partner merchants through Bit2Me Life pay extra
Deposits and withdrawals
How to top up
- Euro bank transfer or card top-up to your Bit2Me account
- Crypto deposits
Fees: Bit2Me's standard deposit fees apply.
How to withdraw
- Euro bank transfer
- Crypto withdrawals
- ATM cash
Fees: Bit2Me's standard withdrawal fees apply.
Supported assets: BTC, ETH, USDC, USDT, B2M and other coins listed on Bit2Me.
Where Bit2Me Card works
Bit2Me customers in Spain and the EEA.
Outside the EEA.
Limits and perks
Limits
- Shown in the app by tier
Perks
- Bit2Me Travel hotel discounts
- Extra cashback at partner merchants
Pros and cons
What's good
- MiCA-licensed exchange
- No maintenance fee
- High cashback for top tiers
What's not
- Best cashback needs B2M token holdings
- FX and ATM fees not published on the card page
- Custodial
Our take on Bit2Me Card
Bit2Me is one of Spain's oldest crypto exchanges and was among the first to receive a MiCA licence from the CNMV in 2025. Its Mastercard works online, in shops and at ATMs, in virtual or physical form, and there's no maintenance fee.
Cashback goes up to 7%, but the rate depends on your Bit2Me tier, and the higher tiers depend on holding B2M, the exchange's token. That makes the headline rate less straightforward than it looks: you take on token risk to earn it. Bit2Me doesn't publish its FX or ATM fees on the card page, so check the app before using it abroad.
A solid choice for existing Bit2Me users in Spain. Weigh the B2M requirement before chasing the top rate.
How we scored Bit2Me Card: 5.3/10
MethodologyBit2Me Card FAQ
Is the Bit2Me Card free?
There's no maintenance fee on the virtual or physical card, and no commission on euro payments.
How much cashback does the Bit2Me Card pay?
Up to 7%, depending on your Bit2Me tier, which is tied to holding B2M tokens.
Sources
- Bit2Me CardCashback, fees, MiCA licence, checked Oct 17, 2026
- cryptonoshi: Bit2Me CardCard listing, June 2024
We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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