Best Bitcoin Debit Cards in 2020

You have cryptocurrency in your BTC wallet and want to use it for making payments in real life? That becomes possible with Bitcoin debit cards? There is a handful of offers in the Net – all differ by fees and features provided. Let’s find out why you need a physical or virtual Bitcoin debit cards, and which one will suit your needs. 

BTC Debit Card Use Cases

Owning a card that is tied to the most famous and common type of cryptocurrency provides a wide range of opportunities. However, such financial instruments have a number of features and differences from conventional plastic cards. 

Advantages of BTC debit card are:

  • The card works in conjunction with traditional Mastercard and VISA payment systems, which significantly expands the scope of application;
  • Some Bitcoin cards provide the possibility to store not only virtual, but also fiat money. This is convenient for easier exchange of currencies at the domestic rate;
  • Bitcoin debit cards are issued not only by banks, but also by various financial services, a significant part of which works online and anonymously, and therefore verification is not required;
  • A Bitcoin card is tied to a cryptocurrency wallet, which provides round-the-clock access to virtual money.

At the same time, BTC debit cards are not devoid of disadvantages:

  • High fees for every real-life transaction; 
  • Some cards are quite expensive;
  • They are not accepted in some stores;
  • It’s hard to transfer cryptocurrency from a BTC debit card to another conventional debit card.

Top 7 Best Bitcoin debit cards

Our reviews will help you find the best BTC debit card to suit your needs. We observed the basic functionality, supported coins and fess. 

1. Wirex

Wirex BTC debit card
Wirex BTC debit card

Where to Use: Worldwide
Type of Card: Physical and Virtual cards available
Fees: $2.5 for cash withdrawal
Supported Currencies: BTC, ETH, LTC, Dash + other crypto & fiat currencies

Wirex is an international debit card that appeared on the market in 2015 and is delivered worldwide. The limit of cash withdrawals at ATMs for unverified users is $ 1000, for verified such limits do not exist. The maximum amount on the card is $ 2000. After provision of the identification data, the restrictions are removed. The cash withdrawal fee is $ 2.5.

Wirex works in partnership with Visa and Mastercard, so you don’t have to search for “Bitcoin Accepted” signs.

A mobile application availableSMS notification monthly fee (1 dollar, euro or pound)
A large number of fiat and crypto currencies supportedExpensive production of a plastic card – $17 (a virtual card is issued free of charge)
No limits on online shoppingShipping cost via DHL is $50
Site supports 13 languagesLimits on cash withdrawals without identification

2. Coinsbank

Coinsbank BTC debit card
Coinsbank BTC debit card

Where to Use: Worldwide
Type of Card: Virtual 
Fees: Withdrawal is $2.5 for an unverified user, $3.95 for verified users, trading – 0.5% per trade
Supported Currencies: BTC, LTC + fiat (GBP, EUR, USD, RUB, AUD, YEN, CHF)

Coinsbank debit cards provide users access to their funds in CoinsBank accounts. Cards can be used to withdraw money from almost any ATM around the world. CoinsBank cards also offer bonus points to cover expenses made with the card.

The ability to issue up to 5 cards, the issue of a platinum card is freeName cards are temporarily unavailable
Allows you to buy BTC and LTC for four popular fiat currencies – GBP, EUR, USD, RUBCash withdrawal fee is $4.95 for unverified users and $3.95 for those who provided personal data
Money can be deposited using cash and commission-free bank transferCommission for issuing a virtual card varies from $2.95 to $100 for a prepaid card
Currency quotes are available on different exchanges
Cash withdrawals can be made at almost any ATM in the world, either in the card currency or in the currency of the place of stay

3. CryptoPay

CryptoPay BTC debit card
CryptoPay BTC debit card

Where to Use: Anywhere where VISA is accepted
Type of Card: Virtual + Physical
Fees: Withdrawal fee is $ 2.5. 1% loading fee
Supported Currencies: BTC + fiat (GBP, EUR, USD)

CryptoPay is a full-fledged VISA debit card, and it can be paid wherever VISA is accepted, as well as withdraw money from an ATM.

A card can be purchased with EUR, USD, GBP, and BTCThe site is supported in English only
Both plastic and online cards are availableOnly cooperates with Visa payment system
Card price is $0Monthly maintenance fee is 1 Dollar, Euro Or Pound
Worldwide delivery is 15 USD/EUR/GBPUnverified users have low loading and withdrawal limits

4. Xapo

XAPO BTC debit card
XAPO BTC debit card

Where to Use: Worldwide (anywhere MasterCard is accepted)
Type of Card: Physical + Virtual
Fees: Withdrawal fee is $ 2.5.
Supported Currencies: BTC

Being established in 2013, Xapo is one of the leading players on the Bitcoin market, working since 2013. The service provides a lot of useful features, but it’s necessary to provide 100% verification with the provision of official documents with the address of residence.

Provides its own Bitcoin wallet and cold storage, which ensures the safety of the balance (the company is fully responsible for the safety of deposits)The site supports only three languages – English, Spanish, Portugal
The ability to configure cards for different currenciesHigh cost of plastic card issuance ($20)
Smooth wallet operationWorldwide delivery time takes 20-35 days, and depends on the location of the recipient.
The ability to withdraw funds at almost any ATM around the worldCommission for the first year of service – $12

$ 200 cash withdrawal limit in ATMs

5. Shift

Shift BTC debit card
Shift BTC debit card

Where to Use: Worldwide
Type of Card: Physical
Fees: Withdrawal fee is $ 2.5.
Supported Currencies: BTC + USD

Shift works in collaboration with such popular companies as Coinbase, Dwolla, and Visa and positions itself on the market as the first American debit card. Daily withdrawal limits are $ 1000 without identification and can be increased for verified users. 

Simple expense notification mobile appThe card is available only to American consumers and not in all states
Free domestic transaction servicesHigh cost of plastic card issuance ($20)
Free conversion from BTC to fiatWorldwide delivery time takes 20-35 days, and depends on the location of the recipient.
Card issuance is estimated at $ 10Commission for the first year of service – $12

$ 200 cash withdrawal limit in ATMs

6. SpectroCoin

SpectroCoin BTC debit card
SpectroCoin BTC debit card

Where to Use: Worldwide
Type of Card: Physical, Virtual
Fees: Withdrawal fee is $ 2.5.
Supported Currencies: BTC, XMR, NEM, ETH, Zcash, DASH + other altcoins + EUR, GBP, USD

SpectroCoin is a single Bitcoin solution offering a Bitcoin wallet, an exchanger, debit cards and transfers.

The website supports several languagesPhysical card issuance cost is $50
SpectroCoin debit cards can be used wherever Visa or MasterCard are accepted3% currency exchange fee
Low issuance cost of the virtual card ($9)
Free shipping of physical card (2-4 days)
Supports Monero, Ethereum, Zcash, Dash, and other altcoins

7. Tenx

TenX BTC debit card
TenX BTC debit card

Where to Use: Worldwide
Type of Card: Physical
Fees: 0% for transactions, $2.75 for ATM withdrawal
Supported Currencies: BTC, LTC, ETH + USD

TenX offers a multi-currency wallet that supports several currencies, in particular, Bitcoin, Ethereum, and Liteocin. By linking a TenX digital wallet to a Visa card, a user can easily pay for goods in a local currency, which will withhold from his cryptocurrency account. The card can be used in all countries. Users can add funds via wire transfer or from other credit cards. 

Zero spending commission$2.75 ATM withdrawal fee
$15 physical card issuance costPayPal funding is not accepted
$1.5 virtual card issuance cost4.5% foreign exchange fee


If you want to spend your BTC and other cryptocurrencies on a cup of coffee or a new smartphone, there is no need to exchange crypto to fiat. Use a simpler way! There’s the whole gamut of BTC cards available with most offering optimal fees and limits. Hopefully, our guide will help you make the right choice.

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