Bitstack Card Review (2026)

Reviewed by Card Pilled Editorial · Last verified 2026-05-09

Key Facts

Cashback

Up to 1% BTC

Annual Fee

$0

Region

20 EU countries

Type

Debit

Network

Visa

KYC

standard

Overview

Bitstack is a French Bitcoin savings app founded in 2021 by Alexandre Roubaud and Kabir Sethi, headquartered in Paris, that lets European users round up everyday card purchases and convert the spare change into Bitcoin. In December 2025, Bitstack raised $15 million to expand its Bitcoin savings product across Europe.

The Bitstack Card is a crypto debit card offered by Bitstack, available in 20 EU countries. It offers Up to 1% BTC cashback rewards on purchases. There is no annual fee to hold this card.

Best suited for Bitcoin holders who want to stack sats on everyday spending. It runs on the Visa network and requires standard identity verification.

Fees & Costs

Conversion Fee

0% on round-ups (EUR-funded)

FX Fee

Free up to €1,000/mo; ~1% over

ATM Withdrawal

Free up to €200/mo or 5 withdrawals; then min €1 or 1%

Top-Up Fee

SEPA free; card/Apple/Google Pay funding 0.70%

Cashback Tiers

Bitstack Card cashback tiers and requirements

Tier	Rate	Requirement
Stackback	1%	All EUR purchases (no cap)

Pros

• Earns Up to 1% BTC cashback on purchases
• No annual fee
• Rewards paid in Bitcoin
• Free ATM withdrawals

Cons

• Monthly cashback caps may limit earnings

Note: Beta launched Jan 13, 2026 for 5K waitlist users. Available in 20 EU/EEA countries (Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Portugal, Spain, Switzerland) per Bitstack help center. First French Visa with BTC cashback ('Stackback'): up to 1% BTC on all EUR purchases, no cap. $15M Series A raised Dec 2025. MiCA licence approved by France's AMF (Jun 30, 2025).

Similar Cards

Other crypto cards in the same region or category that may suit your spending profile:

• Rebind Card by Rebind - 0% (yield not cashback) cashback, $0 fee, Europe
• DeBLOCK Card by Deblock - 0-1% cashback, €0-€14.99/mo fee, EU
• Brighty Card by Brighty - 0.5-1.75% cashback, $0 (paid plans available) fee, EU (50+ countries)
• Floki Card by Floki - 0% cashback, €10-€32 one-time fee, 31 EU countries
• OKX Card by OKX - 2-5% cashback, $0 fee, EU + Norway
• Phantom Cash Card by Phantom - 0% (rewards coming later) cashback, $0 fee, US (excl NY/AK)
• Shakepay Card by Shakepay - 1-1.5% BTC cashback, $0 fee, Canada Only
• Fold Card by Fold - 0.5-1.5% BTC cashback, $0-$100/yr fee, US Only

FAQ

What is the Bitstack Card?

The Bitstack Card is a crypto debit card offered by Bitstack. It is available in 20 EU countries and allows users to spend cryptocurrency at merchants worldwide.

How much cashback does the Bitstack Card offer?

The Bitstack Card offers Up to 1% BTC cashback.

What are the fees for the Bitstack Card?

The Bitstack Card has an annual fee of $0. Additional fees: Conversion fee: 0% on round-ups (EUR-funded); FX fee: Free up to €1,000/mo; ~1% over; ATM: Free up to €200/mo or 5 withdrawals; then min €1 or 1%; Top-up: SEPA free; card/Apple/Google Pay funding 0.70%.

Where is the Bitstack Card available?

The Bitstack Card is available in 20 EU countries. Its availability status is "EU".

Is the Bitstack Card a credit or debit card?

The Bitstack Card is a debit card. You need to load cryptocurrency onto the card before making purchases.

Visit Bitstack

Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.