Brazil; limited to legal residents holding a Brazilian Tax ID (CPF).
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Free first virtual and physical card with zero annual fee on standard Free plan; premium tiers (Plus, Pro, Max) cost R$ 0–R$ 99.90/month; no hidden FX markup, crypto spreads follow published platform rates.
- Debit / Deduction Model
- Debits directly from Bipa balances (BRL, Bitcoin, USDT); supports debit and digital collateral credit modes with instant Pix and Lightning Network settlement.
Application Eligibility & KYC
- KYC Identity Verification
- KYC required Requires Brazilian Tax ID (CPF), government photo ID, and Brazilian residential address verification; issuance is restricted to Brazilian tax residents.
- Officially supported countries and regions
- Brazil; limited to legal residents holding a Brazilian Tax ID (CPF).
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Mastercard (international network offering Gold, Platinum, and Black tiers, accepted at global merchants and ATMs)
- Issuer Arrangement / Payment Rails
- Stark Bank S.A. / Bipa Instituição de Pagamento Ltda. Card BIN is not public; this profile does not infer a specific BIN.
- Apple Pay / Google Pay
- Supports Apple Wallet for contactless payments on iPhone and Apple Watch.
- Overseas AI Subscriptions
- Supports international online merchants and subscriptions including OpenAI ChatGPT Plus, Claude Pro, and Spotify.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Exclusive Satsback® program: earns 0.5% to 1.5% Bitcoin rewards on eligible Mastercard purchases depending on tier (up to 5% in promotions), credited directly to your Bipa wallet.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- Satsback® Bitcoin Cashback
- Cardholders earn automatic Bitcoin rewards on everyday purchases at a base rate of 0.5%–1.5%, credited instantly to their Bipa wallet with no expiration. [1] [2]
- Native Pix & Lightning Interoperability
- Deeply integrates the Central Bank of Brazil's Pix instant payment system with the Bitcoin Lightning Network, enabling instant fiat-to-crypto settlements. [1] [3]
- Crypto Collateral & Cofrinho Yield
- Deposit Bitcoin or USDT into 'Cofrinho' to earn daily yield pegged to Brazil's CDI rate, with deposited assets doubling as collateral credit limits. [1] [2]
- Physical Cards & Real-Time In-App Controls
- Provides standard physical Mastercards delivered throughout Brazil, with in-app card details, dynamic CVV, and instant lock/unlock controls. [1] [3]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Mastercard
- Issuer arrangement / BIN
- Stark Bank S.A. / Bipa Instituição de Pagamento Ltda. Card BIN is not public; this profile does not infer a specific BIN.
- Apple Pay
- ✅ Explicitly stated in official materials: Supports Apple Wallet for contactless payments on iPhone and Apple Watch.
- Google Pay
- ✅ Explicitly stated in official materials: Supports Google Pay (Google Wallet) for in-store contactless and online checkout.
- AI subscriptions such as ChatGPT and Claude
- ◐ Community feedback / Unconfirmed official mention: Supports international online merchants and subscriptions including OpenAI ChatGPT Plus, Claude Pro, and Spotify.
Compatibility information for this card was verified on 2026-11-06 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 245 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Bipa: Bitcoin, Pix e Cartão (App Store / Google Play developer Bipa Ltda)
- Web Portal Support
- Mobile App Only — Dedicated mobile app providing account management, instant Pix transfers, Bitcoin trading, and Mastercard security controls
- Apple App Store
-
App Store Official Download ↗ Listed only in Brazil App Store storefront; excludes mainland China and other regions
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in Mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
Strictly adheres to Brazilian General Data Protection Law (LGPD) with a dedicated DPO; cardholders enjoy access, rectification, anonymization, and erasure rights
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained for statutory 5 years in compliance with Central Bank of Brazil and AML regulations
- App Store Privacy Label
- Used to track you: Identifiers; 4 categories linked to identity; 2 not linked
- Google Play Data Safety
- Shared: Personal info, Financial info; 4 categories collected; deletion requests supported; encrypted in transit
- Account Deletion Flow
-
Cardholders can self-service submit account deletion requests under Profile (Perfil) settings in-app, provided card is closed and balances settled
Verified on 2026-11-06. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Benchmark for Compliant Latin American Bitcoin Neobanks
Founded in 2020 and backed by top funds like Ego Death Capital, Bipa is Brazil's pioneer combining Lightning with Pix. Its Mastercard delivers full global acceptance and ATM cash withdrawals while Satsback® rewards enable passive Bitcoin accumulation on fiat expenses, establishing a compliant and crypto-native spending loop with partner Stark Bank. [1] [2] [3]
Frequently asked questions
What are the eligibility requirements for Bipa Card?
Applicants must be at least 18 years old, possess a valid Brazilian Tax ID (CPF), and pass identity verification (KYC) within the Bipa app.
How are Bipa Card cashback rewards paid?
Rewards are distributed in Bitcoin satoshis directly into the cardholder's Bipa account balance, withdrawable anytime to on-chain or Lightning wallets.
Can I use Bipa Card internationally or while traveling abroad?
Yes. As an international Mastercard, Bipa Card is accepted globally at all Mastercard-accepting merchants and POS terminals, plus ATM withdrawals (settled under central bank foreign exchange rules and statutory IOF tax).
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Bipa Card on X; search results may change over time.
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