Bitso Card vs Moon
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Moon wins overall (3.8/10 vs null/10). The right pick still depends on your priority - see the flow comparison below.
 Bitso Card |  Moon | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) + Lightning |
| Lightning funding | no | yes - loads the card |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | not documented | not documented |
| FX fee | not documented | 0% |
| Monthly fee | not documented | none |
| ATM fee | not documented | not documented |
| Cashback | not documented | none |
| Privacy & custody | ||
| KYC | Full KYC | Basic KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | LATAM | GLOBAL |
| Network | ? | Visa |
| Form factor | ? | Virtual |
| Apple Pay | no / unknown | no / unknown |
Pick Bitso Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick Moon if
- Lighter KYC (Basic KYC vs Full KYC)
- Lightning funding that actually loads the card
Moon
Watch - do not load funds. The Lightning-funded virtual card worked until late November 2025, then cards were blocked en masse and withdrawals stalled (documented cases). Support has gone silent while the site still markets the product.
More head-to-heads
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FAQ
Which is better for privacy, Bitso Card or Moon?
Bitso Card requires Full KYC, while Moon requires Basic KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Bitso Card: Not documented. Moon: 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 2026-10-05 · How we verify