Binance Card vs Bitrefill Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Binance Card ranks higher on the documented evidence (4.6/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
 Binance Card | Bitrefill Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | 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 | not documented | 1.99% |
| FX fee | not documented | 0% |
| Monthly fee | not documented | none |
| ATM fee | not documented | 2.49% |
| Cashback | 3% | 1% in EUR |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Hybrid |
| Limits | ||
| Daily spend limit | not documented | $10000.0 |
| ATM daily limit | not documented | not documented |
| Max load | not documented | $15000.0 |
| Availability | ||
| Regions | LATAM | EEA |
| Network | Mastercard | Visa |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | no / unknown | no / unknown |
Pick Binance Card if
- Higher documented cashback (3% vs 1)
Pick Bitrefill Card if
- Physical card option
Binance Card
Discontinued in the EEA since Dec 2023, but alive again in Latin America: relaunched Aug 2026 in Venezuela as an Immersve-issued Mastercard (waitlist beta, up to 3% cashback, crypto balance spent directly). Patchy acceptance during the beta (Apple Pay enrollment and some merchants fail); no EEA return announced.
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
FAQ
Which is better for privacy, Binance Card or Bitrefill Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify