Bitcoin debit card with the best possible exchange rate

[crazyivan]

Ok guys, please share your experience with BTC debit card with the best possible exchange rate, as close as possible to the market rate.

Wirex is by far the worst in my experience, over 100 EUR difference per 1 BTC between Preev or Bitstamp rate and what they offer. They say they use "wholesale" rate, how is that one calculated, I have no idea. Cryptopay is about $100 difference, so a bit better. What do you guys use to get the best possible rate?

[magneto]

Ok guys, please share your experience with BTC debit card with the best possible exchange rate, as close as possible to the market rate.

Wirex is by far the worst in my experience, over 100 EUR difference per 1 BTC between Preev or Bitstamp rate and what they offer. They say they use "wholesale" rate, how is that one calculated, I have no idea. Cryptopay is about $100 difference, so a bit better. What do you guys use to get the best possible rate?

I haven't used any other services for bitcoin debit cards apart from wirex and cryptopay, since most of them require verification and I'm looking for mainly anonymous ones.

I would definitely stay away from wirex since their fees are incredibly high, and every action you partake in results in a hefty bitcoin blockchain fee. Apparently this is necessary, but it is really not if they just stored their btc on an exchange. I'd choose cryptopay over wirex any day.

If you are willing to provide ID then i would recommend Bitpay. I've heard some good things about it and fees seem to be pretty low.

[warningsigns]

I use Cryptopay (and WageCan soon). Never had any issues with my Cryptopay visa card from day 1 of using it. They are shifting to a contactless card, now that their contract with Wave Crest is coming to an end.

The buy/sell different is indeed in the +/- $100 range but it's worth it as they instantly exchange coins to fiat. You can even offload funds from the card and use it to buy bitcoins. The card worked flawlessly at retailers and online merchants. I even used it to pay for airline tickets.

I agree. I would use Cryptopay over Wirex too. Wirex seems to be having endless issues with their card loading system. Have a look at their thread.

You need to be verified to enjoy the entire unrestricted features of these cards. If you don't verify, loading can be a pain even if you stay within your limits. They seems to be cautious with anonymous accounts and will often ask you to verify or even block your card as you approach the card's upper limit.

[magneto]

I use Cryptopay (and WageCan soon). Never had any issues with my Cryptopay visa card from day 1 of using it. They are shifting to a contactless card, now that their contract with Wave Crest is coming to an end.

The buy/sell different is indeed in the +/- $100 range but it's worth it as they instantly exchange coins to fiat. You can even offload funds from the card and use it to buy bitcoins. The card worked flawlessly at retailers and online merchants. I even used it to pay for airline tickets.

I agree. I would use Cryptopay over Wirex too. Wirex seems to be having endless issues with their card loading system. Have a look at their thread.

You need to be verified to enjoy the entire unrestricted features of these cards. If you don't verify, loading can be a pain even if you stay within your limits. They seems to be cautious with anonymous accounts and will often ask you to verify or even block your card as you approach the card's upper limit.

Precisely why i quit using wirex.

They used to be a decent service when they were branded e-coin and i remember they had a lot of fans promoting them actually. But now, everything has changed. There are errors here, errors there. Whenever you do something, there is a constant lag.

As you said - you can't really get far without getting verified. Cryptopay is one of the only ones apart from wirex that still accept anonymous customers, but still. The limits have significantly lowered since EU updated their regulations.

[LeGaulois]

I remember to see a table comparison from Bitwala comparing the 4-5 most popular bitcoin debit card services, with rates etc.
Bitwala was the service offering the best rate between them. (checking right now, Bitwala rate is 3980€ and Kraken 4000€)
All cards come from the same company MyChoice, so you won't find any major difference with the fees so it's best that you take in consideration the BTC rate and the support offered.
I used Cryptopay and Advcash, both work well. Bitwala support is outstanding

[crazyivan]

I remember to see a table comparison from Bitwala comparing the 4-5 most popular bitcoin debit card services, with rates etc.
Bitwala was the service offering the best rate between them. (checking right now, Bitwala rate is 3980€ and Kraken 4000€)
All cards come from the same company MyChoice, so you won't find any major difference with the fees so it's best that you take in consideration the BTC rate and the support offered.
I used Cryptopay and Advcash, both work well. Bitwala support is outstanding

The rate does differ big time. I ve also seen Bitwala rate which was close to the market rate but Wirex and Cryptopay are not even close to that.

Ok, so Bitwala might be an interesting choice. What else?

[Rahar02]

Unfortunately, we are in a different hemisphere. Which causes many different mindsets, one of them is I've been trying my best to avoid debit card, this card mean to be an easy way to spend money/bitcoin with high fees obviously, I prefer to spend bitcoin directly from my wallet or convert bitcoin into cash through local exchange.
But, I've heard about bitcoin debit card, there's xapo debit card but not sure about their exchange rate.
https://support.xapo.com/xapo-debit-card
https://support.xapo.com/what-is-the-xapo-debit-card-exchange-rate
http://www.bestbitcoincard.com/
Yes, it's better to ask people who ever use bitcoin debit card and I'd like to know more about this information.

[crazyivan]

Bitwala is the best choice to get the best rate compared to the market. Another good point with Bitwala is you can also top up your card with any altcoin listed in shapeshift

Yes, I m leaning towards them as well. The issue is they have these different levels of verification, really strict and complicated procedure. Ok, thx.

[Yuuto]

If you don't want to provide any sort of identification then cryptopay is going to be your best service. Wirex is filled with fees, and basically there are only them and cryptopay in the anonymous market and cryptopay is the better option.

However if you are wiling to provide ID then go with Bitwala, or Bitpay. Both have relatively small fees as well as good exchange rates.

I've heard of Advcash, i've used them as a payment processor but never used their VCC/prepaid debit card service. It seems really interesting, fees are quite low and no verification is needed. If you are able to get your hands on Advcash for cheap then that could be viable as well.

[liuqi]

Ok guys, please share your experience with BTC debit card with the best possible exchange rate, as close as possible to the market rate.

Wirex is by far the worst in my experience, over 100 EUR difference per 1 BTC between Preev or Bitstamp rate and what they offer. They say they use "wholesale" rate, how is that one calculated, I have no idea. Cryptopay is about $100 difference, so a bit better. What do you guys use to get the best possible rate?

bitpay, spectrocoin cards are best cards when I get the information from my friend when needed. I don't suggest the debit card for bitcoin to anyone because the fees add up to the wallet. I suggest you to use the trading and exchange site which is providing more value than in the Google search price like lbc.

[crazyivan]

It seems Tenx pay card is the best possible options in terms of feed. However, you do have to wait for a month to get it since there is huge amount of people going after it.

[timerland]

It seems Tenx pay card is the best possible options in terms of feed. However, you do have to wait for a month to get it since there is huge amount of people going after it.

Does Tenx have an option for people who do not want to identify themselves or is it only available for non-anonymous users only? If it is available for anonymous users then i'm definitely interested considering the recent events with Wavecrest denying access to their cards outside of EU.

I'm basically asking the same question as you're asking in the OP.

There seems to be a Centra card, but it is super fishy as the minimum amount you can get the card for is 5 ETH, and that is just for the card... Advcash + Wirex seems to be not offering VCCs anymore(if im wrong, correct me).

[roadbits]

Unfortunately, we are in a different hemisphere. Which causes many different mindsets, one of them is I've been trying my best to avoid debit card, this card mean to be an easy way to spend money/bitcoin with high fees obviously, I prefer to spend bitcoin directly from my wallet or convert bitcoin into cash through local exchange.
But, I've heard about bitcoin debit card, there's xapo debit card but not sure about their exchange rate.
https://support.xapo.com/xapo-debit-card
https://support.xapo.com/what-is-the-xapo-debit-card-exchange-rate
http://www.bestbitcoincard.com/
Yes, it's better to ask people who ever use bitcoin debit card and I'd like to know more about this information.

I'm using XAPO debit card for a couple of years and so far no issues but there also got some fee but I don't mind for those fees and only looking for withdrawing money from ATM's. But they are stopping the debit card service outside Europe so I also now need to find one which can work in Asia soon.

[TheCoinFinder]

There are two types of bitcoin debit cards in the market, the physical and virtual.
If you are looking for physical debit card that can be loaded with bitcoin and withdraw in fiat, then i must refer you to xapo.
Other than this, you can get a free virtual bitcoin debit card at coin.ph.
Both cards are verified and works seamlessly anywhere.

[BigBoy89]

Ok guys, please share your experience with BTC debit card with the best possible exchange rate, as close as possible to the market rate.

Wirex is by far the worst in my experience, over 100 EUR difference per 1 BTC between Preev or Bitstamp rate and what they offer. They say they use "wholesale" rate, how is that one calculated, I have no idea. Cryptopay is about $100 difference, so a bit better. What do you guys use to get the best possible rate?

You should watch not only taxes but and their Bitcoin buy rates. Because I made 2 cards few months ago.
One was Wirex which I refused to use. They are having standard card withdraw/use fees but -100+ euro or Buy BTC rate.

[shield132]

It seems Tenx pay card is the best possible options in terms of feed. However, you do have to wait for a month to get it since there is huge amount of people going after it.

Personally I don't use Tenx pay but I am regular user of Xapo. Like their service and exchange rate, for me it's best option now because you can withdraw from any ATM with their card, fees are still low and even if you need to cut limites, you can contact them, follow their guides and give them proof of your income or etc (depends how much you withdraw daily/monthly, you need this actions when you wager thousands daily).

[crazyivan]

Xapo is only EU limited, that s a problem for a lot of users. Cryptopay and Wirex are located in the EU but they offer Mastercard for users outside of EU. Xapo offers nothing, really great business policy from their side.

I dont think any of these companies will allow you to get anonymous card unless you go with these limited to 2000 EUR/USD lifetime. It is a pain in the ass using these cards and to tell you the truth, I have no problem doing everything legit any paying taxes on my crypto income. As much as you re into decentralization, if you love your country and want to have hospitals operational and roads fixes, people, pay your taxes. 

[crazyivan]

The only actual problem with Tenx is the fact you need to wait for 2-3 months to get these since there is a huge demand.

[timerland]

The only actual problem with Tenx is the fact you need to wait for 2-3 months to get these since there is a huge demand.

Interesting... Guess that rules out the possibility of Tenx for me.

So apart from that, are there any anonymous virtual debit cards that can be topped up using bitcoin, that also works outside of EU? As i've said, i'm forced to not use Wirex anymore since they are not issuing VCCs anymore.

I guess i could just get a preloaded VCC which i can't top up, but that really sucks.

[razzbee]

Have you tried Uphold.com , currently they provide virtual debit cards...