Only verified users resident in the European Economic Area (EEA); residents outside the EEA, including mainland China, Malaysia and the US, cannot apply.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Free account and no monthly fee; virtual card €0.99 one-time, physical card €9.99 one-time (tracked post €4.99, express €39.99); euro spending is free, spending crypto costs €0.20 + 1% per transaction; ATM withdrawals €2 + 1% each. No separate FX fee is stated.
- Debit / Deduction Model
- Wallet account with a linked debit card: the account holds euros, BTC, ETH and USDC, card payments debit the chosen balance, and crypto spending is charged per transaction and converted to euros instantly
Application Eligibility & KYC
- KYC Identity Verification
- KYC required The official FAQ requires a verified Bitwala account and residency in the European Economic Area (EEA); the card page does not list document types or verification steps.
- Officially supported countries and regions
- Only verified users resident in the European Economic Area (EEA); residents outside the EEA, including mainland China, Malaysia and the US, cannot apply.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (debit)
- Issuer Arrangement / Payment Rails
- Wallester AS (Estonia). The card BIN is not public; this profile does not infer it.
- Apple Pay / Google Pay
- the official FAQ says Apple Pay is only available by signing up through Curve; the card itself cannot be added to Apple Pay directly.
- Overseas AI Subscriptions
- the issuer does not say how AI-subscription merchants are charged.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The official card page lists no cashback or rewards programme.
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
- Balances you can spend directly
- The official card page says BTC, ETH, USDC or euros can be spent wherever Visa is accepted, and crypto can be swapped to euros in one tap in the app. [1]
- Crypto spending is charged per transaction
- Euro spending is free; spending crypto costs €0.20 + 1% per transaction, so the fixed €0.20 weighs heavily on small, frequent purchases. [1]
- Eligibility
- Official FAQ: anyone with a verified Bitwala account who lives in the EEA can apply; regions outside the EEA are not eligible. [1]
- Mobile wallets
- Google Pay works directly; Apple Pay is only available indirectly by signing up through Curve. [1]
- Issuer and limits
- The terms of service say the card is issued by Wallester AS; the help centre lists spending limits of €10,000 a day and €15,000 a month, and ATM limits of €350 a day and €3,000 a month, at €2 + 1% per withdrawal. The card cannot be used in more than 40 countries and territories, including Turkey, the UAE, Saudi Arabia, Nigeria and Russia. [3] [4]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Wallester AS (Estonia). The card BIN is not public; this profile does not infer it.
- Apple Pay
- ✅ Explicitly stated in official materials: the official FAQ says Apple Pay is only available by signing up through Curve; the card itself cannot be added to Apple Pay directly.
- Google Pay
- ✅ Explicitly stated in official materials: the official FAQ says Google Pay works now.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: the issuer does not say how AI-subscription merchants are charged.
Compatibility information for this card was verified on 2026-11-02 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 233 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
- Bitwala: Crypto Wallet & Card (Bitwala GmbH; German App Store name "Bitwala: Krypto Wallet & Karte")
- Web Portal Support
- Mobile App Only — The terms of service say Bitwala can only be used through the mobile app, with no other access; the website offers download links only
- Apple App Store
-
App Store Official Download ↗ 29 storefronts only: Germany, France, Spain, Italy, Netherlands, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, Greece, Croatia, Hungary, Ireland, Iceland, Lithuania, Luxembourg, Latvia, Malta, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
- 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
-
Explicit GDPR Compliance
The privacy policy (updated 2025-10-17) explicitly applies the GDPR: Bitwala GmbH (Berlin) is the controller for the platform, while Lightspark Payments Europe AS (custodial wallet, virtual assets and virtual IBAN), Wallester AS (card issuing and card transactions) and BitGo (self-custodial bitcoin wallet) are controllers for their own services. Access is free, and users can request rectification, erasure, restriction, portability, objection and withdrawal of consent, and complain to the Berlin data protection commissioner. App servers are in the EEA (AWS); the email provider Customer.io is covered by standard contractual clauses. The policy's contact section still contains template placeholders ("[Your Email Address]" and similar) and names no DPO; Google Play links to an older policy that still lists Striga as a partner
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Generally deleted once the limitation period expires, counted from the end of the year the contract ends; commercial and tax records 6–10 years; disaster recovery and IT audit 3 years; claims and evidence management 3 years; UX research data usually 3 months
- App Store Privacy Label
- Used to track: usage data; linked to identity: 8 categories; not linked: 0
- Google Play Data Safety
- Shared: app activity, location, messages, personal info, photos and videos; 6 categories collected; deletion can be requested; encrypted in transit
- Account Deletion Flow
-
No in-app self-service: close the account by choosing Submit a Request in the help centre with your registered email, or by emailing support@bitwala.com. It is free; Bitwala forwards the request to its partner Lightspark, which closes the account within one month at most and confirms by email. Google Play's data safety section says data deletion can be requested
Verified on 2026-11-02. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Who it suits
Users in the European Economic Area who want to spend BTC or USDC directly while keeping a euro account. Every crypto purchase costs €0.20 + 1%; swapping crypto to euros before paying avoids that per-transaction charge. [1]
Things to watch
The ATM limit is low (€350 a day), and the card does not work in more than 40 countries and territories such as Turkey and the UAE, so check before travelling; no separate FX fee is stated. The iOS privacy label says usage data is used to track users. [4]
Frequently asked questions
Can I apply for the Bitwala Visa Card from mainland China or Malaysia?
No. The official FAQ limits applications to verified users living in the European Economic Area (EEA).
What does it cost to pay with BTC?
The official card page charges €0.20 + 1% per crypto transaction; spending the euro balance is free.
Does it support Apple Pay?
Not directly. Bitwala says Apple Pay is only available by signing up through Curve; Google Pay works directly.
📜 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 Bitwala Visa Card on X; search results may change over time.
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