Card profile
Bitsa Card
Prepaid card with no bank account required. Niche but real audience, freelancers, underbanked, anyone who needs a Visa without a bank.
Score
5.6 / 10
Updated 4 May 2026
| Issuer | Bitsa / EU prepaid |
|---|---|
| Network | Mastercard |
| Custody | custodial |
| Available in | EU prepaid |
| Restricted | US, UK |
| Virtual issuance | $0 |
| Physical issuance | $6 |
| Monthly fee | $0 |
| Conversion fee | 1.5% |
| FX (non-base) | 1.5% |
| Per-transaction limit | $2,500 |
| Daily limit | $5,000 |
| Rewards | None |
What we like
- No bank account required
- Available without permanent address
- EU prepaid licensing
- Cash top-up options
What we don't
- 1.5% conversion + 1.5% FX
- Very low limits
- No rewards
- Smaller crypto-funding asset list
Who it's for
Bitsa solves a specific problem: you need a Visa- or Mastercard-rail card and you don't have a normal bank account. The product is built for the underbanked, for new EU residents who can't yet open a traditional account, for freelancers between contracts who don't want to commit to a neobank, and for anyone who values the ability to top up a card in cash at a corner shop rather than via SEPA. The audience is narrow but real, and Bitsa serves it better than any other card in our coverage.
How it works
Bitsa is a Spanish-origin prepaid Mastercard. There are multiple KYC tiers, minimal verification gives you a low-limit card; full verification raises limits. You can fund the card by SEPA from a bank, by crypto deposit, or by buying top-up codes at physical points-of-sale (a feature unique in our coverage: convenience-store cash-to-card top-ups across parts of Spain, Portugal, and select EU countries).
The card spends normally on Mastercard rails. Fees on conversion and FX are 1.5% each, middle-of-the-pack, and there are no monthly fees but a small physical-card issuance fee.
In daily use
For the right user, Bitsa works exactly as advertised. Apply with whatever ID you have, get a virtual card immediately on lower tiers, raise limits as you complete more KYC. The cash top-up feature is genuinely useful in markets where it's available, being able to walk into a shop, hand over euros, and have them credit your card with a code is a real edge over every other product in this list.
The app is functional rather than polished. Customer support is in Spanish first; English is available but expect slower response times in non-Spanish-speaking hours. There is no rewards programme.
Things to know before signing up
Limits are low. Per-tx $2,500 and daily $5,000 cap practical use. Even at the highest KYC tier, Bitsa is not built for large-ticket spend. Fees are middle-of-pack. 1.5% on both conversion and FX adds up, significantly more than Bybit's 0.9%/0.5% or RedotPay's 1.0%/1.20%. EU prepaid only. No US, no UK as of mid-2026. Cash top-up is regional. The corner-shop top-up network is real in Spain and Portugal, present in parts of the EU, and absent elsewhere, verify the network for your country before assuming the feature works for you. No rewards. You're paying for accessibility, not value back.
Verdict
Bitsa is the right answer to one specific question: "how do I get a working Mastercard if I don't have a normal bank account, and ideally with a way to top up in cash?" For that user, nothing else in our coverage competes. For anyone with a normal bank account who wants a serious crypto card, Bitsa is not the pick, choose RedotPay for limits, Brighty for EU banking convenience, or any of the higher-tier cards for fees and rewards.