Best for: Crypto Users in the United States

The BitPay Card is a crypto debit card that enables cardholders to spend their crypto assets on everyday purchases wherever Mastercard is accepted. The card is issued by Metropolitan Commercial Bank and is currently only available to United States residents.

Pros and Cons


  • High Account Limits - BitPay’s daily deposit limit is $10,000, while the overall deposit limit is $25,000 per card. The spending maximum is $10,000 per day—this is relatively high when compared with other crypto card options.
  • US Availability - The BitPay Card is one of the few crypto debit cards available to Americans. ACH and direct deposit are both supported.
  • Low Domestic Fees - BitPay’s fees are quite low for ATM withdrawals and daily purchases within the US.
  • Convenient Reloads - BitPay enables users to reload balances with no conversion fees at competitive exchange rates.


  • Regional Availability - The BitPay Card is not available to users outside of the US. This is disappointing, as the company pledged to offer the first prepaid debit card available in 131 countries.
  • Customer Complaints - Some BitPay customers have cited a lack of customer support for fraudulent card charges.
  • Dormancy Fee - BitPay is one of the few crypto debit card issuers to charge an inactive cardholder fee.

BitPay Card Overview

Card Network Mastercard
Supported Currency USD
Issuing Exchange Not issued by an Exchange
Virtual Card Support Yes
Available in US Yes
Available Regions U.S
Card Delivery 7-10 Business Days
Crypto-to-Fiat Fees 1%
Top Up Assets ETH, XRP, BTC, BCH
Top Up Stablecoins USDC, GUSD, PAX, BUSD
Top Up Methods Crypto Deposit, Direct Deposit, ACH Credit
NFC Support No
Mobile Wallets
KYC Check Yes
Credit Check No
Issuing Bank Metropolitan Commercial Bank
Benefits & Rewards No Rewards

Benefits & Rewards

BitPay does not currently offer any rewards or benefits for cardholders.

BitPay Card Notable Fees and Limits

Physical Card Issuance


Virtual Card Issuance


Domestic ATM


International ATM


Domestic Transactions


Intra-EEA Transactions


International Transactions


Card Replacement


Chargeback Processing


Monthly Maintenance



$5.00 after 90 Days of No Use

ACH Decline


ACH Payments


BitPay Card Spending Limits

Daily Spending


Monthly Spending

No Limit

Yearly Spending

No Limit

Daily ATM

$6,000 ($2,000 per TXN)

Card Balance


Daily Top Up


How to Get the Card

In order to qualify for a BitPay Card, eligible applicants are required to request a card through the BitPay website. Note that BitPay previously used the Visa card network but later switched to Mastercard in June 2020.

Once available, the card application process is as follows:

  1. Eligible applicants sign up for a BitPay account or log in using their existing account.
  2. The BitPay Card is subject to standard US banking laws. This means that each user must verify their identity before receiving a card. The company requires users to provide the following information: full name, address of residence (no PO boxes), date of birth, phone number, and social security number.
  3. BitPay charges a physical card issuance fee of $10.00. Applicants must pay this fee using one of BitPay’s supported crypto assets, as fiat issuance fee payments are not accepted.
  4. The BitPay Card takes 7-10 business days to arrive in the mail. If an approved applicant hasn’t received their BitPay Card after 10 business days, the company recommends calling their Cardholder Services team.
  5. Applicants can track the status of their card orders via the Where is my BitPay Card tool by entering their corresponding email address and card order reference number.

Website Experience

Although BitPay has a mobile app available on iOS and Android, the BitPay website is the easiest option for card registration, card activation, and fund deposits.

Card Activation

Once a cardholder receives their BitPay Card in the mail, it can be easily activated via the BitPay website:

  1. Go to
  2. Provide your card number, expiration date, and the 3-digit CVV number located on the back of your card.
  3. You'll receive an email from This email address is being protected from spambots. You need JavaScript enabled to view it. with instructions on how to set up your BitPay cardholder account.

Adding Fiat & Crypto Assets

Fiat: To set up direct deposit, cardholders can retrieve their account number and routing number by calling the Cardholder Services team. To receive payments via direct deposit, ask your employer to set up automatic payments to your BitPay Card. BitPay charges no additional fees for direct deposits.

Cardholders who wish to deposit USD to their BitPay Card via an ACH transfer need to provide their account number and routing number to the crediting service. To initiate an ACH transfer, users can select a third party payment processor such as Western Union, Walmart, CVS Pharmacy, Rite Aid, Walgreens, and other participating retailers. Fees for ACH deposits vary by location and can amount to $4.95 per deposit. BitPay charges an additional fee of $5 for ACH deposits.

Crypto Assets: Cardholders are charged a standard miner fee and BitPay’s “Network Cost Fee” when paying any BitPay invoice. To add funds to a BitPay Card balance with crypto assets, users can log in to a cardholder account and select “Add Funds”. From there, they can enter a dollar amount and receive their invoice.

Withdrawing Crypto Assets and Fiat Currency

The BitPay Wallet crypto asset balance is loaded to the card once the cardholder pays the invoice. All crypto assets are converted to USD when sent to the BitPay Card and cannot be withdrawn to an external crypto asset wallet. Cardholders can withdraw fiat currency at ATMs.

How to Use the Card

Using the BitPay Card for purchases is comparable to using traditional debit cards, with only a few slight differences.

A BitPay Card transaction works like this:

  1. The cardholder deposits crypto assets or USD to their BitPay account.
  2. If the cardholder deposits crypto assets, BitPay will automatically convert their funds to USD.
  3. The cardholder spends funds online or in-store at any Mastercard-approved merchant.
  4. Mastercard verifies that there are sufficient funds available to complete the transaction.
  5. The merchant receives payment in their local fiat currency (e.g. EUR, USD, or GBP).

BitPay Card Alternatives

Supported CurrencyUSDEUR, GBPEUR, GBP
Physical Card Issuance Fee$10.00$4.95Free
Domestic ATM Fee$2.501%$1.75
Crypto-to-Fiat Fees1%2.49%1%
International Transaction Fee3%3%3%
Mobile WalletsGoogle PayGoogle Pay, Apple Pay
Available RegionsU.SUK & EEAUK, EEA, APAC, AF, NA, & SA
Learn MoreReviewReviewReview

Frequently Asked Questions

Is the BitPay Card available to United States residents?

Does BitPay have account limits?

What fees are associated with using the BitPay Card?

Does BitPay report card activity to the IRS?

Is the BitPay Card safe?

How do I contact BitPay customer service?

Does the BitPay Card have a mobile app?

Conclusion: Is The BitPay Card Worth It?

In May 2016, BitPay launched its prepaid debit card for Bitcoin users in all 50 US states. Little progress has occurred since the initial launch.

As of late 2020, the BitPay Card is clearly a work in progress. The BitPay Card’s biggest weakness is its limited regional availability. The card is not available in countries or regions outside of the US.

Customers have complained about various aspects of the user experience. The company’s lack of response to cardholder inquiries surrounding fraudulent charges is also concerning. During a six month period in 2019, the company suspended ATM withdrawals and cashback pin transactions with little warning to cardholders.

Most recently, following BitPay Card’s re-launch in June 2020 and the subsequent record high of 110,000 processed transactions in July 2020, there appears to be growing optimism around this product.

Regardless, limited regional availability has kept BitPay from becoming a top contender in the crypto debit card market.

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