Bitstack Card vs Moon
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Moon ranks higher on the documented evidence (3.8/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
| Bitstack Card |  Moon | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | No direct BTC load | 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 | 0.7% | not documented |
| FX fee | not documented | 0% |
| Monthly fee | none | none |
| ATM fee | 1% | not documented |
| Cashback | 0.1% in BTC | none |
| Privacy & custody | ||
| KYC | Full KYC | Email only |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | $200.0 | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | FR | GLOBAL |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Virtual |
| Apple Pay | yes | no / unknown |
Pick Bitstack Card if
- Higher documented cashback (0.1% vs 0)
- Physical card option
Pick Moon if
- Known fee stack (0.7 vs 0.0 % equivalents on a $500/mo profile)
- Lighter KYC (Email only vs Full KYC)
- Lightning funding that actually loads the card
Bitstack Card
exists - active, France-only Visa-Karte (Xpollens-EMI) mit instanten Round-Ups + BTC Stackback (Basis 0.1%/0.15%, up to 1%/1.5% abhaengig von automatischen Ersparungen)
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.
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FAQ
Which is better for privacy, Bitstack Card or Moon?
Moon is the lighter option: Bitstack Card requires Full KYC, while Moon requires Email only. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Bitstack 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 2026-11-02 · How we verify