Bitrefill Card vs Coinbase One Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Coinbase One Card ranks higher on the documented evidence (6/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
| Bitrefill Card |  Coinbase One Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | No direct BTC load |
| Lightning funding | balance only, not the card | no |
| BTC sale timing | BTC sold when you top up | Not documented |
| Fees | ||
| Top-up fee | 1.99% | not documented |
| FX fee | 0% | not documented |
| Monthly fee | none | none |
| ATM fee | 2.49% | Cash advance fee: greater of $10 or 5% (ATM access made available at the issuer's sole discretion per the Cardless agreement) |
| Cashback | 1% in EUR | 2% in BTC |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Hybrid | Custodial |
| Limits | ||
| Daily spend limit | $10000.0 | not documented |
| ATM daily limit | not documented | not documented |
| Max load | $15000.0 | not documented |
| Availability | ||
| Regions | EEA | US |
| Network | Visa | ? |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | no / unknown | no / unknown |
Pick Bitrefill Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Coinbase One Card if
- Higher documented cashback (2% vs 1)
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
Bitrefill Card vs Bitso CardBitrefill Card vs Bitstack CardBitrefill Card vs Blink CardBitrefill Card vs Bitget CardBitrefill Card vs FreedomiaBitrefill Card vs OKX Card
Compare any cards
FAQ
Which is better for privacy, Bitrefill Card or Coinbase One Card?
Both cards sit at the same KYC depth: Bitrefill Card and Coinbase One Card require Full KYC. Privacy separates them only through custody model and data-sharing practice - documented in each review. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Bitrefill Card: BTC sold when you top up. Coinbase One Card: Not documented. 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