Bit2Me Card
The Bit2Me Card is a Mastercard debit card that enables users to spend cryptocurrencies at any merchant worldwide. It performs real-time conversion of digital assets to fiat currency at the point of transaction, eliminating the need for manual conversions. Available to European Economic Area and Argentine residents, this card integrates with the broader Bit2Me ecosystem.
- Type: Mastercard debit card (virtual and physical options)
- Key Feature: Real-time conversion from 200+ cryptocurrencies with flexible wallet switching
- Availability: European Economic Area countries and Argentina
- Standout Benefit: Industry-leading cashback rates of 0-7% base (up to 39% with ecosystem bonuses), paid in B2M tokens
- Biggest Downside: Tiered benefit structure disadvantages lower-tier users, with Level 0 receiving no cashback
The card charges no maintenance fees and supports Apple Pay and Google Pay for contactless payments, making crypto accessible for everyday purchases.
Card Tiers
Detailed Summary
Bit2Me Mastercard Debit Card: Complete Guide to Crypto Spending
Quick Summary
Key Features
- Mastercard debit card for spending cryptocurrencies at any merchant worldwide
- Available in both virtual and physical formats with Apple Pay and Google Pay integration
- Real-time conversion of crypto to fiat at point of purchase
- Industry-leading cashback rates (0-7% base, up to 39% with ecosystem bonuses)
- Tiered benefits system through Space Center levels
Main Advantages
- No maintenance fees for virtual or physical cards
- Freedom to change preferred cryptocurrency wallet at any time
- Additional cashback at 200+ partner stores (Ikea, Uber, Fnac, Nike)
- Real-time transaction notifications and instant card blocking/unblocking
- Seamless integration with broader Bit2Me ecosystem
Notable Limitations
- Currently limited to European Economic Area and Argentina residents
- Physical card delivery initially prioritized for Spain
- Lower-tier users receive minimal or no cashback benefits
- No cashback for financial services, casinos, lotteries, and betting houses
- Limited user feedback available due to recent launch (early 2023)
Table of Contents
Basic Information
The Bit2Me Card is a Mastercard debit card launched in early 2023 that bridges the gap between cryptocurrency holdings and everyday spending. It allows users to seamlessly convert their digital assets to fiat currency at the point of transaction, making crypto usable for daily purchases without manual conversion beforehand.
| Specification | Details |
|---|---|
| Card Name | Bit2Me Card |
| Card Network | Mastercard |
| Card Issuer | PECUNIA CARDS EDE, S.L.U. (PECUNPAY), Electronic Money Institution supervised by Bank of Spain |
| Card Type | Debit |
| Launch Date | Announced November 2021, launched early 2023 |
| Card Format | Available in both virtual and physical versions |
| Mobile Wallets | Compatible with Apple Pay and Google Pay |
Rewards and Benefits
The Bit2Me Card offers one of the most comprehensive reward structures in the crypto card market, with benefits directly tied to the user's Space Center tier level.
Cashback Structure
- Base cashback ranges from 0% to 7% on all purchases depending on Space Center tier
- Maximum potential cashback of up to 39% when combined with other Bit2Me products and services
- All cashback is paid in B2M tokens (Bit2Me's native token)
- Users can further maximize rewards by integrating with Bit2Me Earn for staking rewards
- Cashback applies to purchases made using various cryptocurrencies including BTC, ETH, DOT, ADA, USDT, XRP, CCD, SOL, TON, USDC, EURT, MATIC, XAUT, MON
- EURO wallet transactions linked to Bit2Me Card receive 0% cashback regardless of Space Center level
Partner Retailers
- Additional cashback available at 200+ specific partner stores
- Partner retailers include Ikea, Uber, Fnac, and Nike
- Exclusions: No cashback provided for purchases in financial services, casinos, lotteries, and betting houses
Fees and Limits
Card Fees
| Fee Type | Amount |
|---|---|
| Virtual Card Issuance | Free across all tiers |
| Physical Card Issuance (Spain) | Level 5-7: €0, Level 4: €5, Level 3: €10, Level 0-2: €20 |
| Physical Card Issuance (Other EEA) | Level 5-7: €0, Level 4: €10, Level 3: €15, Level 0-2: €25 |
| Card Maintenance | €0 (free for both virtual and physical cards) |
| Foreign Transaction | Commission may apply for payments outside EEA |
Spending and Withdrawal Limits
Limits vary by Space Center tier level, with higher tiers offering more generous limits:
| Tier Level | Transaction Limit | Daily Limit | Monthly Limit | Annual Limit |
|---|---|---|---|---|
| Level 0-1 | €1,000 | €1,000 | €5,000 | €50,000 |
| Level 2 | €1,500 | €1,500 | €10,000 | €100,000 |
| Level 3 | €2,000 | €2,000 | €15,000 | €150,000 |
| Level 4-7 | €2,500 | €2,500 | €20,000 | €200,000 |
Card Tiers and Options
The Bit2Me Card benefits are directly tied to the user's Space Center tier level, with higher tiers offering significantly better rewards and conditions:
| Tier Level | Required Points | B2M Holdings Required | Base Cashback |
|---|---|---|---|
| Level 0 | 0 points | €0 | 0% |
| Level 1 | 1,000 points | €20 | 0.25% |
| Level 2 | 2,000 points | €2,500 | 0.5% |
| Level 3 | 3,000 points | €4,750 | 1% |
| Level 4 | 4,000 points | €9,000 | 2% |
| Level 5 | 5,000 points | €17,000 | 3% |
| Level 6 | 6,000 points | €32,000 | 5% |
| Level 7 | 9,000 points | Not achievable with B2M alone | 7% |
Note: B2M holdings shown represent the approximate amount needed if relying primarily on "Buy and hold" missions. Lower amounts are possible when combining with other missions.
Top-Up Methods
Users do not need to pre-load or top up funds in advance for the Bit2Me Card—instead, crypto is held in the user's Bit2Me Wallet and converted to fiat in real time at the point of purchase. This means there is no requirement to move crypto from self-custody or external wallets to the card provider ahead of time. Users can select from over 200 supported cryptocurrencies, and the platform handles instant conversion at market rates whenever the card is used, although specific conversion fees are not detailed in the documentation. Spending is limited by the tier-based transaction and daily/monthly limits (e.g., €1,000–€2,500 per transaction/day), and actual top-up limits are not applicable as there is no preloading process. Card management, crypto selection, and spending are all handled via the Bit2Me app and platform with real-time balance updates.
Self-Custody Custodial
The Bit2Me Card is fully custodial. Users do not control the private keys to their crypto holdings at any point—assets are stored and managed within the Bit2Me platform. All spending and conversions are executed from the Bit2Me account, not from a user-controlled wallet. If Bit2Me or its partners disappeared, users would not have independent, on-chain access to their funds.
Supported Currencies and Conversion
The Bit2Me Card allows users to spend from dozens of cryptocurrencies available on the Bit2Me platform:
- Access to over 200 cryptocurrencies, including major coins like Bitcoin (BTC), Ethereum (ETH), and many others
- Real-time conversion of crypto to fiat at the point of purchase
- Flexibility to change preferred cryptocurrency wallet at any time
- No need for manual conversion in advance, select which digital asset to use for any specific payment
Geographic Availability
Available Regions
The Bit2Me Card is currently available to users with tax residence in:
- European Economic Area (EEA) countries
- Argentina
Exclusions
- Not available in the United States or Canada
- Bit2Me notes that "certain countries in the EEA may have other criteria that may lead to the non-issuance of Bit2Me Card"
- Virtual card is available throughout supported regions
- Physical card availability may be more limited, with initial priority given to Spanish residents
Compliance and Security
Security Features
The Bit2Me Card includes multiple security measures to protect users:
- Instant card control: Ability to block and unblock the card immediately as needed
- Cold wallet protection: Advanced security systems for crypto storage
- Real-time alerts: Instant transaction notifications for all card activity
Authentication
- Multi-factor authentication: 3DS and 2FA authentication for enhanced security
- KYC compliance: Users must be registered and verified with Bit2Me
- Spanish nationals must be verified with DNI
Technical Details
Card Specifications
- Card Network: Mastercard (worldwide acceptance)
- Card Types: Virtual and physical options
- Card Issuer: PECUNIA CARDS EDE, S.L.U. (PECUNPAY)
- Regulatory Oversight: Electronic Money Institution supervised by Bank of Spain
Integration Features
- Mobile wallet compatibility: Integration with Apple Pay and Google Pay
- Ecosystem integration: Seamless connection to the broader Bit2Me platform
- Real-time connection to the user's Bit2Me Wallet
- Integration with Bit2Me Earn for staking rewards
User Experience
As the Bit2Me Card was launched in early 2023, limited direct user feedback is currently available. The card integrates seamlessly with the broader Bit2Me ecosystem, allowing real-time connection to the user's Bit2Me Wallet.
While comprehensive reviews specifically about the card experience are scarce in the available data, Benzinga's review of the overall Bit2Me platform notes that "It's a struggle to find any negative points," though this refers to the entire ecosystem rather than specifically to the card.
More user testimonials are likely to become available as the card gains wider adoption throughout its supported regions.
Best Suited For
- Active crypto investors in EEA countries or Argentina who want to use their holdings for everyday expenses
- Frequent shoppers who can maximize cashback rewards on daily spending
- Existing Bit2Me users who can leverage their Space Center tier for enhanced benefits
- Crypto enthusiasts who prefer not to permanently convert their assets to fiat
- Users of multiple cryptocurrencies who value the flexibility to switch between different assets for payments
- Travelers within the EEA who want to avoid currency conversion fees when spending crypto abroad
- Mobile payment users who prefer contactless transactions via Apple Pay or Google Pay
Pros and Cons
Pros
- Industry-leading cashback rates of up to 7% base (potentially 39% with ecosystem bonuses)
- No maintenance fees for virtual or physical cards
- Flexible crypto wallet switching without additional steps
- Mobile wallet integration with Apple Pay and Google Pay
- Strong security features including instant card blocking and real-time notifications
- Extra cashback at 200+ partner retailers
- Seamless ecosystem integration with other Bit2Me products and services
Cons
- Limited geographic availability (EEA and Argentina only)
- Tiered benefits system disadvantages lower-tier users (Level 0 receives no cashback)
- Physical card delivery initially prioritized for Spain
- Unclear tier qualification criteria in available documentation
- Limited user feedback due to recent launch
- Cashback exclusions for financial services, casinos, lotteries, and betting
- Potential foreign transaction fees outside the EEA
Conclusion
The Bit2Me Card represents a significant advancement in cryptocurrency payment solutions, particularly for European and Argentine residents. Its standout feature is undoubtedly the generous cashback structure that can reach up to 7% at base level and potentially higher with ecosystem integration, making it one of the most rewarding crypto cards currently available.
The card successfully bridges the gap between crypto holdings and everyday spending without requiring manual conversion, all while offering the worldwide acceptance of the Mastercard network. The absence of maintenance fees and the flexibility to switch between different cryptocurrencies further enhance its value proposition.
However, potential users should be aware of the geographic limitations and the tiered benefits structure that heavily favors higher-tier users. Those at lower Space Center levels will receive significantly reduced benefits, with Level 0 offering no cashback at all.
For crypto enthusiasts in supported regions who make frequent purchases and can qualify for higher tier levels, the Bit2Me Card offers an exceptional combination of flexibility, rewards, and integration that makes it a compelling option in the growing crypto card market.
Additional Information
Space Center Tiers Detail
Space Center operates on a point-based system where users complete missions to earn points and unlock benefits:
Key Missions to Earn Points:
Free Missions:
- Access Space Center daily (7, 15, or 30 consecutive days)
- Verify your account (50 points)
- Verify your card
Quick Path to Level 1 (1,000 points):
- Add funds to your account (400 points)
- Trade €20 on Bit2Me (400 points)
- Buy and hold €20 in B2M (200 points)
B2M Purchase and Hold:
- Points are based on euros spent, not token quantity
- Selling any B2M reduces mission progress and can cause level drops
- Level 7 requires additional missions beyond B2M holdings
Additional Benefits by Level:
- Discounts on Commissions: Up to 100% discount on wallet transactions, 50% in Bit2Me Pro
- Enhanced APY: Higher rates in B2M Space Pool and on all Bit2Me Earn cryptocurrencies
- Launchpad Access: Priority access to new token launches
Maintaining Your Level:
- Prevent missions from expiring
- Maintain required B2M holdings
- B2M transactions follow FIFO (First In, First Out) method when selling
Future Expansion Plans
As the card was relatively new at the time of the original content (launched in early 2023), any information about planned expansion to additional geographic regions or potential enhancements to the rewards structure would be beneficial for users considering this card for their long-term crypto spending needs.
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