The official card page says "Coming soon"; the waitlist closes on 2026-11-30, and physical cards start shipping in early December 2026. The issuer says the virtual card, including Apple Pay and Google Pay, is planned for Q1 2027. The card is aimed at residents of eligible EEA member states.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Basic tier: €4 monthly fee; Regular / Frequent / Busy tiers: no monthly fee. Card transactions within the euro area carry no transaction fee; FX conversion uses the Visa reference rate; card production and delivery are charged according to the option selected.
- Debit / Deduction Model
- Self-custody cold wallet and regulated debit settlement hybrid model: native Trezor Suite asset interaction, real-time fiat and Bitcoin clearing gateway supervised by the Czech National Bank
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Requires a valid EU/EEA residence permit or passport, completing AML/KYC identity verification under Czech National Bank (ČNB) and EU MiCA regulations.
- Officially supported countries and regions
- The official card page says "Coming soon"; the waitlist closes on 2026-11-30, and physical cards start shipping in early December 2026. The issuer says the virtual card, including Apple Pay and Google Pay, is planned for Q1 2027. The card is aimed at residents of eligible EEA member states.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (Physical Visa debit card and app virtual card; official roadmap targets full Apple Pay and Google Pay integration in Q1 2027)
- Issuer Arrangement / Payment Rails
- SatoshiLabs / Invity Finance (ČNB-regulated entity) and Visa. Card BIN not disclosed; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- The official roadmap lists support in Q1 2027; as of 2026-10-29 there is no virtual card to add to a wallet.
- Overseas AI Subscriptions
- The card has not been issued, so subscription support has not been verified.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Bitcoin (BTC) cashback: apply by 2026-11-30 and maintain an automatic investment strategy of at least €240 per month to lock in 1.5% for life; tiers that do not meet the condition earn 1% (Regular / Frequent / Busy) or 0% (Basic) from 1 December. Bitcoin Round-up also rounds up card spending into automatic investments.
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
- Strict Regulation by Czech National Bank (ČNB) & EU MiCA Framework
- Invity Finance is among the first licensed CASP entities in the Czech Republic fully compliant under the Markets in Crypto-Assets (MiCA) regulation, strictly adhering to top-tier EU anti-money laundering and asset custody standards. [1] [2]
- Seamless Synergy with Trezor / SatoshiLabs Self-Custody Ecosystem
- Deeply integrated with Trezor hardware wallets and the Trezor Suite ecosystem, allowing users to retain cold-wallet private key sovereignty while seamlessly reallocating liquidity for everyday payments in a single click. [1] [2]
- Proprietary Bitcoin Round-up Micro-Investment Mechanism
- Introduces a micro-savings Round-up mechanism where spare change from card purchases is automatically rounded up and converted into Bitcoin deposited to the wallet, achieving "stacking sats while spending daily." [1]
- Lifetime 1.5% Cashback for Pioneer Users Before 2026-11-30
- The official page ties “1.5% for life” to 2026-11-30: the application must be completed by that date and an automatic investment strategy of at least €240 per month maintained in order to lock in 1.5%; from 1 December it lists 1% for Regular / Frequent / Busy and 0% for Basic. The €240 is the investment condition for locking in that cashback rate, not a monthly-fee waiver: Basic costs €4 per month, while Regular and above are fee-free. [3]
- Still on the waitlist, with no virtual card yet
- The official card page (checked 2026-10-29) says "Coming soon" and "Join the waitlist by 30 November and be among the first to get the card in December", and adds "We will start distributing physical cards in early December 2026"; the virtual card, "including Google Pay and Apple Pay support, will launch in Q1 2027". There is therefore no usable virtual card today, and Apple Pay / Google Pay are not current features. [3]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa Debit
- Issuer arrangement / BIN
- SatoshiLabs / Invity Finance (ČNB-regulated entity) and Visa. Card BIN not disclosed; this page does not speculate on specific BINs.
- Apple Pay
- — Not specified by official sources: the official roadmap lists support in Q1 2027; as of 2026-10-29 there is no virtual card to add to a wallet.
- Google Pay
- — Not specified by official sources: the official roadmap lists support in Q1 2027; as of 2026-10-29 there is no virtual card to add to a wallet.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: the card has not been issued, so subscription support has not been verified.
Compatibility information for this card was verified on 2026-10-30 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
- Invity - Buy & save bitcoin (Invity Finance s.r.o.)
- Web Portal Support
- Mobile App Only — Official invity.io website provides general information, rate comparisons, and legal terms; the card portal specifies that Invity Card is exclusive to mobile app users, with card issuance, recurring DCA buys, and management handled entirely within the app.
- 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
Privacy policy (Invity Finance s.r.o., Czech Republic) is explicitly governed by GDPR and Czech Act No. 110/2019 Coll. on Personal Data Processing; enumerates statutory rights of information, access, rectification, erasure, restriction, portability, objection, consent withdrawal, exemption from automated profiling, and lodging complaints with the Czech Data Protection Office (ÚOOÚ); biometric data gathered during KYC is shared with verification vendors; policy has no explicit update date. Cards are powered by Lightspark; Invity Finance s.r.o. itself does not provide payment services.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- During contract duration plus 3 years after termination; consent-based records retained for 5 years; AML/KYC records retained for 10 years per statutory obligations.
- App Store Privacy Label
- Used to track: Identifiers; Linked to identity 5 categories; Not linked 3 categories
- Google Play Data Safety
- No third-party data sharing; Collects 6 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
Self-service deletion via in-app path "Settings → My account → Delete account"; official FAQ advises contacting customer support via "Settings → Contact support" before terminating accounts.
Verified on 2026-10-19. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Hardware Cold-Wallet Titan's Real-World Payment Loop
SatoshiLabs created Trezor, the world's very first cryptocurrency hardware wallet, and the Invity Card marks its decisive expansion from secure asset storage into compliant daily spending. Backed by Czech National Bank regulation, cardholders can execute rapid small-balance off-ramping without leaving assets exposed to centralized exchanges. [1] [2]
Fee Structure & Mobile Wallet Launch Timeline
Basic costs €4 per month; Regular / Frequent / Busy are fee-free. The 1.5% lifetime cashback requires applying by 2026-11-30 and maintaining an investment strategy of at least €240 per month. Apple Pay and Google Pay are scheduled for Q1 2027; physical-card payments and online 3-D Secure payments are available now. [3]
Frequently asked questions
Is a Trezor hardware wallet required to use the Invity Card?
The Invity mobile app and card can function independently, but pairing them with Trezor Suite and a hardware device delivers optimal security and seamless self-custody asset transfers.
How to qualify for lifetime 1.5% Bitcoin cashback?
Apply through the official Invity app by 2026-11-30 and maintain an automatic investment strategy of at least €240 per month to lock in 1.5% BTC cashback for life; tiers that do not meet the condition earn 1% (Regular / Frequent / Busy) or 0% (Basic) from 1 December.
Can mainland China residents apply for the Invity Card?
Currently available exclusively to legal residents of the European Economic Area (EEA); mainland Chinese passport holders without long-term European residency or valid residence visas cannot pass ČNB anti-money laundering compliance checks.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
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