Top 7 Best Bitcoin Debit Cards in Europe

Bitcoin has emerged as the new standard of perfect money, offering fundamental scarcity, digital portability, unparalleled security and true sovereignty. In this transitional age, where one must already stack the hardest money there is, yet has to live the daily life transacting in “paper”, Bitcoin debit cards offer an opportunity to live on Bitcoin.

These cards allow Bitcoiners to spend their Bitcoin with ease, converting it into euros or other fiat currencies at the point of sale. For those in Europe, where cashless payments dominate the market, Bitcoin debit cards offer a unique opportunity to stay connected to the traditional economy while embracing the principles of sound money.

In this blog, we’ll explore the leading Bitcoin debit cards available to the European market, comparing their features, fees, and usability.

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1. wavecard® - overall the best & cheapest Bitcoin debit card in Europe!

wavecard is by far the best Bitcoin debit card option for European Bitcoiners, offering one of the lowest fees in the market, as well as being completely free to open and start using. It's currently launched in Early Access, and whitelisted wave.space users can get a free virtual card instantly!

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How much does it cost to spend Bitcoin with wavecard?
wave.space charges a simple & transparent 1% fee for all Bitcoin conversions. The quoted Bitcoin price also includes a small spread of 0.5% charged by exchange partners, making the total conversion cost of 1.5%. This is almost 3 times cheaper than Coinbase Card fees that are notorious for overcharging unsuspecting Europeans. There are also no FX fees for paying in different fiat currencies - you get the inter-bank exchange rate.

• Card opening - available instantly for free
• Pseudonymous - set any name on your card
• Apple Pay support is coming soon in the next months ⏳
• Currently offers no cashback, but there are plans to launch a Bitcoin cashback program
• Customer support - instant live chat with real humans

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2. Bybit Card - decent fees & cashback, yet poor customer service

How much does it cost to spend Bitcoin with Bybit Card?
It will cost you around 1.4% when spending Bitcoin with Bybit Card. This is a very competitive fee, that is lower than most other crypto cards. However, you will have to pay 0.5% FX fee if you pay in non-default fiat currency.

• Card opening - available instantly for free
• Apple Pay is supported ✅
• Offers different levels of cashback, but realistically most people will stay at 2% cashback with €10 monthly cap
• Customer support - from our experience emails take multiple days to respond, while chat usually offers basic copy-pasted responses

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3. Wirex Card - good fees & cashback, but no Apple Pay & poor support

How much does it cost to spend Bitcoin with Wirex Card?
Wirex Card charges a total of 2% including fees and the spread. This is an average fee in the market, however if you are thinking of spending more than a hundred euros each month, the fees can easily add up to significant sums that could otherwise continue appreciating in Bitcoin on wave.space.

• Card opening - available instantly for free
• Apple Pay is not supported ❌
• Offers different levels of cashback, but the entry-level cashback that does not require any lock ups and monthly fees is only at 0.5%
• Customer support - emails and web form submissions are often ignored, it's best to seek support on their Discord.

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4. holyheld - low fees, but high opening cost & BTC is sold when depositing

How much does it cost to spend Bitcoin with holyheld?
You're technically spending Euros with holyheld, it's just that they allow to deposit BTC which is immediately sold into EUR at 0.5% total fees. This means that you do not benefit from Bitcoin appreciation that you would otherwise have by holding debit card's balance in Bitcoin. On a good note, there are no FX fees.

• Card opening - available to order for €29
• Apple Pay is supported ✅
• Offers 2 levels of cashback, but unless you want to spend €199 to order their metal card, you will get 0.5% cashback in USDC.
• Customer support - very good and helpful live chat support

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5. Ledger CL Card - average fees, but no virtual card

‍How much does it cost to spend Bitcoin with Ledger CL Card?
Ledger Card will charge you 2.25% total conversion fees to spend your Bitcoin. That is slightly more expensive than most other crypto cards in Europe, but they have a decent 1% cashback paid in Bitcoin. However, this card has quite a steep 1.5% FX fee for paying in non-default fiat currencies.

• Card opening - available to order for €5.49
• Apple Pay is supported ✅
• Offers 2 levels of cashback, either 1% paid in BTC, USDT, or 2% paid in BXX token
• Customer support - support can be reached over email and is usually responsive (<1 day)

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6. Revolut Card - the most universal card, but overcharging fees.

‍How much does it cost to spend Bitcoin with Revolut Card?
Spending Bitcoin with Revolut will set you back almost 3% in total conversion fees including the spread. Revolut is a whole bank, which has many more features, thus many people choose them for their traditional finance, and buy Bitcoin there out of convenience. Revolut also charges 1% FX fee for paying in some fiat currencies, and also mark-up even further on weekends.

• Card opening - available to order for €8
• Apple Pay is supported ✅
• Cashback is only available for Metal and Ultra plan members which have monthly fees.
• Customer support - it's a decent chat support, typical for a big company like Revolut

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7. Coinbase Card - well known company, but overcharging enormous fees.

‍How much does it cost to spend Bitcoin with Coinbase Card?
Coinbase Card is by far the most expensive out of all in this guide, costing you almost 4% to convert your BTC for card purchases, and a further 2.49% for FX fees in fiat. However, it's a global company that's been around for a long time and is well established for those that care about it.

• Card opening - available instantly for free
• Apple Pay is not supported ❌
• Doesn't offer any cashback ❌
• Customer support - it's an ok support over a web form, typical for a corporate like Coinbase.

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