French residents only (the help centre says "currently available exclusively to residents of France"); the card page still shows a waitlist
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Physical card €9.99 plus delivery; virtual cards are not yet offered. No monthly fee. FX is free up to €1,000 a month and about 1% beyond; ATM withdrawals are free up to €200 or five a month, then €1 or 1% per withdrawal, whichever is higher. Limits: €5,000 of card spending a month, ATM €200 a week and €1,000 a month; the issuer states the limits cannot be changed.
- Debit / Deduction Model
- Draws directly on the euro cash balance in a French savings app, separate from the bitcoin balance; the issuer states it is a debit card, not a credit card, with no overdraft and no interest
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The card page and help centre list no document requirements; identity checks are an account-level requirement of an ACPR-registered agent (agent de Xpollens) and a MiCA-authorised account.
- Officially supported countries and regions
- French residents only (the help centre says "currently available exclusively to residents of France"); the card page still shows a waitlist
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa Classic debit; the issuing bank is not named, and Bitstack is registered with the ACPR as an agent of Xpollens, a French electronic money institution
- Issuer Arrangement / Payment Rails
- Issuing bank not named; Bitstack is an agent of Xpollens (ACPR 747088). The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- The card page states Apple Pay is supported.
- Overseas AI Subscriptions
- Not stated in official documentation; does not imply unsupported.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Stackback pays in bitcoin: 0.1% on Standard and 0.15% with Bitstack Plus, rising to what the issuer describes as up to 1% with recurring buys and round-ups, and up to 1.5% with Plus. Plus is a paid subscription; the card page does not list its price.
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
- The card draws on euros, not bitcoin
- Bitstack’s card is a Visa Classic debit card, and spending is debited straight from the euro cash balance in the app. The official help centre states plainly that it is "a debit card, not a credit card", with no overdraft and no interest. The card itself does not sell bitcoin per purchase — to spend bitcoin you first convert it to euros in the app. Stackback rewards, conversely, are paid in bitcoin. [1] [2]
- Issued in France only, and still listed as a waitlist
- The help centre says "The Bitstack card is currently available exclusively to residents of France"; cards for mainland France are produced the next day and arrive within 10 business days. The card page still closes with "download Bitstack to join the waitlist", the English block on that same page says "Coming soon" while the French block says the card can already be used, and the help centre treats it as orderable. Three states coexist, so this record treats it as a public beta. [2] [5] [6]
- Pricing: the card itself is free; only usage beyond the allowances costs
- No monthly fee. The physical card is €9.99 plus delivery and virtual cards are not yet offered. FX is free up to €1,000 a month and about 1% beyond that; ATM withdrawals are free up to €200 or five a month, after which each costs €1 or 1%. Card spending is capped at €5,000 a month, and the issuer states the limits cannot be changed. [3] [4]
- Rewards are denominated in bitcoin — small, but stackable
- Stackback pays 0.1% on the base tier and 0.15% with Plus, rising to what the issuer describes as up to 1% with recurring buys and round-ups, and up to 1.5% with Plus. The reward is paid in bitcoin rather than cash, so its value moves with the price. [7]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa Classic (debit)
- Issuer arrangement / BIN
- Issuing bank not named; Bitstack is an agent of Xpollens (ACPR 747088). The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: The card page states Apple Pay is supported.
- Google Pay
- — Not specified by official sources: The card page lists Google Pay as "prochainement" (coming soon); it is not live yet.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: not specified in official materials; this does not mean unsupported.
Compatibility information for this card was verified on 2026-10-26 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 230 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
- Bitstack App (Bitstack Digital Assets SAS; listed on the German App Store as "Bitstack: In Bitcoin sparen")
- Web Portal Support
- Mobile App Only — No web version found; the account and card are managed in the Bitstack app (card limits are under Cash → Card → Limits)
- Apple App Store
-
App Store Official Download ↗ 19 storefronts only: Germany, France, Spain, Italy, Netherlands, Switzerland, Austria, Belgium, Cyprus, Estonia, Finland, Greece, Croatia, Ireland, Lithuania, Luxembourg, Latvia, Malta, Portugal
- Google Play
-
▶ Google Play Official Download ↗ Missing from key markets: Hong Kong, Thailand, Philippines, Indonesia, Japan, South Korea, UAE, US, Canada, UK, South Africa
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
EEA / UK Data Subject Rights
The French-language privacy policy (drafted 2024-04-03) does not use the term RGPD/GDPR but lists EU data-subject rights: access, rectification, erasure, restriction of processing, objection, portability and instructions on data after death, with complaints to the French CNIL; safeguards apply to transfers outside the EU. The controller is Bitstack Digital Assets SAS (Meyreuil, France)
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Correspondence 5 years; account data until closure, then for the limitation period; order records 10 years; payment receipts 13 months; cookies 13 months
- App Store Privacy Label
- Used for tracking: Usage Data; Linked to you: 7 categories; Not linked to you: 2 categories
- Google Play Data Safety
- Shared: App activity, Financial info, Personal info; Collected: 6 categories; Deletion can be requested; Data not encrypted
- Account Deletion Flow
-
Self-service closure in the app: tap the avatar in the top right → Profile → Close my account; the account cannot be closed while it still holds euros or bitcoin, so sell them or send them to an external wallet first; after closure, email support@bitstack-app.com to request reactivation (the disclosure says data is not deleted immediately); the Google Play data-safety page says deletion can be requested
Verified on 2026-10-24. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
First, work out where the money on the card comes from
Bitstack’s business is bitcoin savings, and the card is simply the spending outlet for that account. The issuer is explicit: it is a debit card, spending debits the euro cash balance, and bitcoin is not sold per transaction. For a user that means the card cannot be used when the cash balance is empty, however much bitcoin the app shows — you convert first. Rewards run the other way and settle in bitcoin, so both directions touch bitcoin. [1] [2]
Outside France, the card is not available today
Eligibility is fixed to French residents, and card production and delivery times are given specifically for mainland France. This is not an "available across Europe, ships across Europe" card; someone staying in France with an address elsewhere is outside it. It is recorded here because its fee structure and compliance disclosure are clearer than most comparable cards and make a useful reference point — not because it is open to Chinese readers. [2] [5]
The compliance disclosure is the most useful part of this card
The site states that Bitstack is registered with the ACPR as an agent of Xpollens (no. 747088) and holds an AMF crypto-asset service authorisation (A2025-003). That is far more specific than "licensed partner", and it is one of the few cases in this catalogue where two registration numbers can be checked directly. [6]
Frequently asked questions
Does the Bitstack Card support Apple Pay?
The card page states Apple Pay is supported. Google Pay is listed as coming soon and is not live yet.
Is the Bitstack card a credit card?
No. The official help centre calls it "a debit card, not a credit card": no overdraft, no interest, and spending is debited from the euro cash balance.
Can non-residents of France apply?
No. The help centre says the card is currently available only to French residents, and the card page still ends with a waitlist.
What fees does Bitstack charge?
No monthly fee. The physical card costs €9.99 plus delivery. FX is free up to €1,000 a month and about 1% beyond; ATM withdrawals are free up to €200 or five a month, then €1 or 1% each.
📜 Rules & Fee Changelog History
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