2Fiat vs Bitrefill Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer 2Fiat ranks higher on the documented evidence (5.3/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
 2Fiat | Bitrefill Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| Lightning funding | no | balance only, not the card |
| BTC sale timing | Not documented | BTC sold when you top up |
| Fees | ||
| Top-up fee | 6.5% | 1.99% |
| FX fee | 2.5% | 0% |
| Monthly fee | none | none |
| ATM fee | ATM withdrawals not supported - official FAQ (2fiat.com/api/v1/faq, entry updated 2025-06-21): 'Can I use the virtual card to withdraw funds? - Withdrawals are not supported at this time.' | 2.49% |
| Cashback | none | 1% in EUR |
| Privacy & custody | ||
| KYC | No KYC | Full KYC |
| Custody | Custodial | Hybrid |
| Limits | ||
| Daily spend limit | not documented | $10000.0 |
| ATM daily limit | not documented | not documented |
| Max load | $10,000 per load | $15000.0 |
| Availability | ||
| Regions | GLOBAL | EEA |
| Network | Mastercard | Visa |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | yes | no / unknown |
Pick 2Fiat if
- Lighter KYC (No KYC vs Full KYC)
Pick Bitrefill Card if
- Known fee stack (9.0 vs 2.0 % equivalents on a $500/mo profile)
- Higher documented cashback (1% vs 0)
- Physical card option
2Fiat
A multi-asset virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-altcoin-load card. Until fees, limits and the operator behind it are verifiable, treat it as an unverified lead: fund only what you can afford to lose.
Bitrefill Card
exists - active; EEA-only Visa-Karte (Wallester AS), crypto-to-EUR at_load (1.99% + Spread), Cashback 1%+1% in EUR/Store-Credit statt BTC
More head-to-heads
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Compare any cards
FAQ
Which is better for privacy, 2Fiat or Bitrefill Card?
2Fiat is the lighter option: 2Fiat requires no KYC, while Bitrefill Card requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
2Fiat: Not documented. Bitrefill Card: BTC sold when you top up. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.
Facts checked 2026-11-02 · How we verify