Freedomia vs Shakepay Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Freedomia ranks higher on the documented evidence (6.3/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
 Freedomia | Shakepay Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) + Lightning | No direct BTC load |
| Lightning funding | yes - loads the card | no |
| BTC sale timing | BTC sold when you top up | Not documented |
| Fees | ||
| Top-up fee | 1.3% | 0% |
| FX fee | 2.5% | 3% |
| Monthly fee | $5 | none |
| ATM fee | 3.5% | not documented |
| Cashback | none | 1% in BTC |
| Privacy & custody | ||
| KYC | No KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | not documented | $5000.0 |
| ATM daily limit | $3,000/day (max 3 withdrawals/day); $5,000/month (max 30 withdrawals); $60,000/year - official FAQ | not documented |
| Max load | $5,000 monthly limit doubles as load cap | not documented |
| Availability | ||
| Regions | GLOBAL | CA |
| Network | Visa | Visa |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | no / unknown | yes |
Pick Freedomia if
- Lighter KYC (No KYC vs Full KYC)
- Lightning funding that actually loads the card
Pick Shakepay Card if
- Known fee stack (4.8 vs 3.0 % equivalents on a $500/mo profile)
- Higher documented cashback (1% vs 0)
- Physical card option
Freedomia
The most polished Lightning-native no-KYC bitcoin card we track: instant virtual Visa, Lightning Address top-ups, Tor support, and about a year of operation with positive user reports and no documented incidents. Counterparty risk stays material - the card issuer is undisclosed, the operator is a self-declared Delaware LLC at a registered-agent address, and balances are custodial.
Shakepay Card
exists - active, beantragbar; physische Karte frisch gelauncht (Okt 2026-Seite), BTC-Cashback 1% (bis 1.5% mit Blue-Status), Canada-only
More head-to-heads
FAQ
Which is better for privacy, Freedomia or Shakepay Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify