Best debit cards to spend BTC

[Camma23]

hi guys, as the title says, I'm looking for the best debit card(s) available right now.

Requirements :

- decent limtis for daily ATM withdrawals
- good limits for POS transactios (these ones are usually higher, so no problem)
- acceptable fees on both transactions above.

Thanks for your help, I'm quite new in this wolrd, and I'm looking for a suitable and cheap way to spend my BTC into FIAT money.

[1715680259]

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[1715680259]

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[1715680259]

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[gentlemand]

You need to state what country you're in to get the most useful answers.

In the US you have the Bitpay card and little else for now, but it's likely Coinbase may launch again now as they're an official Visa partner. There's also the card from crypto.com but I'm not sure how available they are.

In Europe the main options will be Coinbase and Wirex. They'll all have pretty high fees for ATM stuff and low limits. Coinbase costs 2.5% per transaction, Wirex costs 1% to load and they also add a spread which is usually 0.5-.07% on top.

Outside Europe and US I'm not sure what's left at the moment.

[Camma23]

You need to state what country you're in to get the most useful answers.

In the US you have the Bitpay card and little else for now, but it's likely Coinbase may launch again now as they're an official Visa partner. There's also the card from crypto.com but I'm not sure how available they are.

In Europe the main options will be Coinbase and Wirex. They'll all have pretty high fees for ATM stuff and low limits. Coinbase costs 2.5% per transaction, Wirex costs 1% to load and they also add a spread which is usually 0.5-.07% on top.

Outside Europe and US I'm not sure what's left at the moment.

you are correct, my bad. talking abotu Eu, Italy. I saw some cards but they have very poor limits for daily withdraw like 250...well that's not a serious option for me.

I hope to get more ideas. Thanks again

[OmegaStarScream]

You have Advcash which recently started to support all countries. I just asked the support, and apparently, the daily withdrawal limit is 5000 USD per day.

[gentlemand]

you are correct, my bad. talking abotu Eu, Italy. I saw some cards but they have very poor limits for daily withdraw like 250...well that's not a serious option for me.

Then Wirex or Coinbase will be your main options. Wirex limits ATMs to 250 per day.

https://wirexapp.com/fees-and-limits

Coinbase limits you to 500 Euros per day with a ATM, but only 200 per month is free from ATMs above the normal fee. It's 2% after that so a cash withdrawal would be 4.5%.

https://help.coinbase.com/en/coinbase/trading-and-funding/other/coinbase-card-faq.html

[Camma23]

there isn't any card with higher daily limits than 500? really?

I come from eWallets, where limits were much much higher

[gentlemand]

there isn't any card with higher daily limits than 500? really?

I come from eWallets, where limits were much much higher

Advcash has been mentioned above. They're Russian. I don't know anything about them.

I've had many crypto cards in the past. All of them had very low ATM limits. Bitpay withdrew ATM withdrawals completely for several months in the US. It's an option they're probably paranoid about.

[The Sceptical Chymist]

In the US you have the Bitpay card and little else for now

I just googled that and went to their site, and it seems like there's some sort of wait list for the card.  Has Bitpay actually launched a crypto debit card yet?  I thought I remember DaveF saying he's using one and that it's only available in the US but I can't remember if it was a Bitpay one. 

Advcash has been mentioned above. They're Russian. I don't know anything about them.

I might be interested in that, but I'm not sure how much I can trust a debit card provider so far away--I would imagine if disputes or problems came up, it might be hard to resolve them.  Are they legit?

[gentlemand]

I just googled that and went to their site, and it seems like there's some sort of wait list for the card.  Has Bitpay actually launched a crypto debit card yet?  I thought I remember DaveF saying he's using one and that it's only available in the US but I can't remember if it was a Bitpay one.  

The Bitpay card, the American one, is probably the oldest continuous card of them all but it does indeed look like they're not issuing them normally, but I'm not sure whether that's because I'm looking from Europe where we can't get them anyway.

This article was updated 1 day ago so US cards are still active - https://support.bitpay.com/hc/en-us/articles/115005033763-Where-is-the-BitPay-Card-available-

I remember they've had some weird service restrictions for a bit, you couldn't do cashback or ATM withdrawals for a while, maybe they're working on a new provider but keeping the old card going.

Their EU card was issued by Wavecrest like the Xapo one and all the others. They all died at the same moment a couple of years ago.

[OmegaStarScream]

I might be interested in that, but I'm not sure how much I can trust a debit card provider so far away--I would imagine if disputes or problems came up, it might be hard to resolve them.  Are they legit?

They have been running since 5 years: https://bitcointalk.org/index.php?topic=1011381.0

I used their VCCs a couple of years back (IIRC KYC was not required back then) and I never had any issues with them.

[Camma23]

You have Advcash which recently started to support all countries. I just asked the support, and apparently, the daily withdrawal limit is 5000 USD per day.

missed this message before. ok, interesting, but checking their "fees" page, can't find max amounts limits

https://advcash.gi/en/fees/

[LFC_Bitcoin]

Coinbase card is great, you can see details here -

https://help.coinbase.com/en/coinbase/trading-and-funding/other/coinbase-card-faq.html

[Camma23]

there isn't any card with higher daily limits than 500? really?

I come from eWallets, where limits were much much higher

Advcash has been mentioned above. They're Russian. I don't know anything about them.

I've had many crypto cards in the past. All of them had very low ATM limits. Bitpay withdrew ATM withdrawals completely for several months in the US. It's an option they're probably paranoid about.

yep man, now I've read, missed that message. this advcash (if legit and serious) looks like the only one with these numbers.

But the doubt is normal : if all the others gran 250/500 max, how they can offer 10x daily numbers?

[gentlemand]

yep man, now I've read, missed that message. this advcash (if legit and serious) looks like the only one with these numbers.

But the doubt is normal : if all the others gran 250/500 max, how they can offer 10x daily numbers?

Maybe because they're outside the EU?

Crypto debit cards qualify as prepaid cards. The EU placed a total limit of 200 Euros on a prepaid card with no ID. Maybe there's a similar limit but higher one if you're verified. And in a few countries you can't withdraw more than 1000 Euros in cash from any bank account.

[Jating]

Binance just introduced their own crypto debit card, the OP might want to take a look at it.

Introducing the Binance Card

The Binance Card does everything a regular payment card does, plus much more. It works like a regular debit card issued by your bank – which, in this case, is your Binance.com account. You simply top-up your card with funds through the Binance Card App in the form of Bitcoin or BNB, and you're ready to go. It's as simple as transferring BNB from one wallet to another. Your card will then use this balance for your card payments and automatically deduct all expenses from the balance every time you make payment. The Binance Card is issued by Visa and accepted by more than 46 million merchants offline and online in 200 regions and territories, which makes shopping with crypto easier than ever before.

https://www.binance.com/en/blog/421499824684900479/Introducing-the-Binance-Card-Shop-and-Pay-With-Crypto-Anywhere-in-the-World

[joniboini]

Binance just introduced their own crypto debit card, the OP might want to take a look at it.

He's in EU. Binance just started. Unless he's fine waiting for months or years I doubt this will be his option.

Another option is Crypterium. They said they have $13k spending limit a day and $60k a month.

[bL4nkcode]

Binance just introduced their own crypto debit card, the OP might want to take a look at it.

https://www.binance.com/en/blog/421499824684900479/Introducing-the-Binance-Card-Shop-and-Pay-With-Crypto-Anywhere-in-the-World

This is only available on malaysia, then vietnam and sure it will be available next on those countries that are much nearer like singapore, macau and even hongkong but too far for EU.

[efialtis]

We do have a thread about crypto debit cards in our German local board where we actually discuss the options for EU/DACH users.

@OP As already mentioned here, common options that should be available for you are of course Coinbase & WIREX. Many German/Austrian users have been very happy with their WIREX card, which is why I am also thinking about getting it. The coinbase card works perfectly fine, I am just not a fan of Coinbase in general.

There´s a new kid on the block though - unfortunately not yet available in Italy but still worth a mention in this thread I guess. People have been waiting for years, literally, and just a few days ago the first people in Germany have received their VISA debit card from TenX. There was quite a hype, it looked "bad" and now they seem to take off, finally. Some great reviews on German social media.

Currently available in Asia Pacific, Germany and Austria.

TenX ANN: https://bitcointalk.org/index.php?topic=1953612.0

Website: https://tenx.tech/card

Fees: https://support.tenx.tech/hc/en-us/articles/360039484792-What-are-the-fees-for-using-the-TenX-Visa-Card-and-Wallet-app-

A fellow bud just posted a picture of his card and I just have to share it... that English text... priceless, no?  

~snip



~snip

"You have before you a small but very important piece of your decentralised future"  

[Camma23]

@efialtis interesting card too, but not available for Italy though

[LeGaulois]

Check out this list https://bitcointalk.org/index.php?topic=5223719.0
Only 1 or 2 cards are missing but I listed all others currently available. I added details such as POS, ATM limits, costs, etc. The list is not in English but hey you know how to translate it :p