Best ICOs to invest


Frederik Nielsen

Frederik Nielsen has 183 articles published.

Frederik Nielsen
I’m a freelance writer and full-time curious person. My main interests are philosophy, politics, art, culture, science, and how they’re all interlinked. When I’m not writing, I’m fronting a band, producing records, and making videos. I’m also currently working on launching a YouTube channel that will focus on culture and politics. I think blockchain technology is fascinating because of the huge potential it has to revolutionise not only the financial sector, but society as a whole.

Centra Bitcoin Debit Card Review

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Centra Bitcoin Debit Card

What Is Centra?

Centra is the last Bitcoin debit card in our review series. The founders launched the company with the help of an ICO that raised over $5million in investment funds. The company has plans also to start a separate platform called Coin Bay. The platform is meant as an Amazon-style marketplace where users can spend their cryptocurrency tokens on items.

Centra Bitcoin Debit Card Review

The company sets itself apart from the competition by using multiple blockchains, meaning it can hold various cryptocurrencies. As with the other cards, users will also be provided with an e-wallet when signing up to Centra. The card can be used everywhere payment card are accepted, thanks to a strong partnership with Visa and Mastercard. Centra also works with some international banks, which allows them to ship their card all over the world.

Centra Bitcoin Debit Card

The Centra wallet

The wallet you get with your Centra account is not your standard Bitcoin wallet. Instead, you’ll be given an Ethereum smart contract wallet that can gold ERC20 tokens. That means you’re able to use several different altcoins in addition to Bitcoin. Among these are Ethereum, Litecoin, Ripple, Dash, ZCash, and Monero. The company has further announced that more altcoins will be added in the future. Centra also does well concerning their security, as the company is insured against fraud and hacking.

Coin Bay

The wallet is only part of the Centra ecosystem. The other equally exciting part is the Amazon-style marketplace they have planned. It is an online marketplace that will feature over 100,000 different items you can buy with your tokens. The items will include clothes, electronics, household goods, and other useful things. Independent merchants will also be able to list their products on the website, just like on Amazon.


The fees associated with the Centra card are negligible. The company charges you a total of 0% for transfers, exchanges, spending, and receiving money. The way they eliminate fees is by using a Currency Conversion Engine (CCE) as part of their setup.

Centra Bitcoin Debit Card

The Centra app

The app that comes with the Centra Bitcoin debit card allows you to check your balance. You can also use it to send money all over the world without any fees. Should your cast get lost or stolen? You’re even able to freeze the card through the app.

The three Centra Bitcoin debit cards

Centra plans on offering not just one but three different cards: Gold, Blue, and Black. The Blue card is the standard one, whereas the Gold and Black cards require you to invest in the company. 30 ETH will get you the Gold card, whereas the Black card needs you to put down 100 ETH.

Centra Blue Bitcoin Debit Card

The Blue card has an ATM withdrawal limit of $500 per day, $10,000 per month, and $80,000 per year.

Centra Gold Bitcoin Debit Card

The Gold card has a limit of $20,000 per day and $80,000 per year.

Centra Black Bitcoin Debit Card

The Black card has a limit of $100,000 per day ($3,000 ATM withdrawals), and $200,000 per month.


The Centra cards are not currently available, as their websites seem to be down. Stay tuned for further updates.


TokenCard Bitcoin Debit Card Review

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TokenCard Bitcoin Debit Card

What is TokenCard?

The company behind TokenCard was one of the early movers in the Bitcoin debit card space. Then they went quiet for a while, however, and other card issuers became more prominent in the meantime. TokenCard is preparing for a relaunch and is currently not available. This review will take a preliminary look at what you can expect when you sign up for the TokenCard.

TokenCard Bitcoin Debit Card Review

Much like any other Bitcoin debit card out there, the TokenCard allow you to spend Bitcoin. It provides you with a wallet to store your cryptocurrency in and enables to convert them to fiat money quickly. One of the things that sets the TokenCard apart from their competitors is that they have their own TKN token. Loading the card also functions differently from other bitcoin debit cards. The process takes place on the blockchain using Ethereum’s smart contract technology.

TokenCard Bitcoin Debit Card

Supported currencies

Although we’ve called this a Bitcoin debit card for the sake of simplicity, the TokenCard doesn’t allow you to hold Bitcoin. Instead, the two main cryptocurrencies are ETH and TKN. That said, the card also supports some other altcoins. These include 1ST, REP, DGD, MKR, ICN, GNT, MLN, and SNGLS.

The Token Contract Wallet

Instead of a traditional Bitcoin wallet, you’ll get an Ethereum smart contract wallet. The advantage of this system is that you don’t have to convert your cryptocurrency tokens. You can swipe the TokenCard in store, and the money is automatically saved. The Ethereum smart contract wallet has all the same security measures as a regular Bitcoin wallet.

Additional features

The TokenCard comes with some other bells and whistles not seen elsewhere. It can, of course, be used to purchase items in-store and online, as well as withdraw money from ATMs. But you’re also able to manage your spending by setting your usage limits. These limits can be configured on the smart wallet. You can, for example, set a daily limit for token or fiat money spending. It’s possible to adjust the amount and time for the threshold according to your specific needs. It’s also possible to freeze the card if you lose it, just like with a regular Visa card.

TokenCard Bitcoin Debit Card

The Token app

The TokenCard comes with a mobile app that is compatible with both iOS and Android. The app allows you to access and manage your money. You’ll be able to view your transaction history, as well as details about the places you’ve used the card. The app is also connected to Google Maps, so you can see the physical locations the card has been used. You can also send and receive money with the app, and switch between GBP, USD, and EUR. Perhaps most impressively, you can use the app to access and invest in ICOs. Finally, you can contact TokenCard’s customer support via the app as well.

The TKN token

The native TKN token is used to calculate how much money you have in your wallet and on your card. TKN fees are charges every time you swipe your card, similar to a miner’s expense. Holders of TKN tokens will also enjoy shareholders benefits such as earning part of the TKN fees other users pay.

You can stay up to date on when the TokenCard is released by visiting their website HERE.


Monaco Bitcoin Debit Card Review

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Monaco Bitcoin Debit Card

What is Monaco?

The fabled MCO Visa card has been a long time underway. Monaco launched an ICO earlier this year to raise funds for the Bitcoin debit card. They had a lot of interest and enjoyed the support from numerous investors. The MCO Visa card is a bit different from the others, as it’s not technically available yet. It has only been shipped to one country so far, which is Singapore. But that is not the only difference. Monaco has bigger ambitions than most. That’s reflected in their purchase of the domain name and their card selection. Furthermore, Monaco has their own MCO token, which ICO investors are in possession of now. At the same time, there has been some controversy surrounding whether or not the card will actually be a Visa card. These scare stories have not had a positive impact on the value of the MCO token. With so much going on around Monaco, it’s time we had a look at the MCO Visa cards they offer.

Monaco Bitcoin Debit Card

Monaco Bitcoin Debit Card Review

Monaco offers no less than five different cards.  They will all hold Bitcoin, Ethereum, and Monaco’s own cryptocurrency MCO. Because they are Visa cards, they can be used in all stores and ATMs that accept Visa. The cards offer different benefits, including a private concierge service. It’s not possible to simply order the more exclusive cards, however. You must hold a certain number of MCO tokens for a longer period of time in order to qualify.

Monaco Bitcoin Debit Card

Midnight Blue Monaco Bitcoin debit card

Card Cashback: 0%

LoungeKey™ Airport Lounge Access: No.

Free ATM Monthly Withdrawal Limit (2% thereafter): $200

Interbank Exchange Rates Monthly Limit (0.5% thereafter): $2,000

MCO Private: No.

Composite Metal: No.

MCO Purchase and Hold (6 Months): None.

Wallet Cashback: No.

Percentage of Net Fees on Referee Transactions: No.

Sign-up Bonus (To share with friends): No.

Invest Fee Discount: Np.

Ruby Steel Monaco Bitcoin debit card

Card Cashback: 1%

LoungeKey™ Airport Lounge Access: No.

Free ATM Monthly Withdrawal Limit (2% thereafter): $400.

Interbank Exchange Rates Monthly Limit (0.5% thereafter): $4,000

MCO Private: No.

Composite Metal: Yes.

MCO Purchase and Hold (6 Months): 50 MCO.

Wallet Cashback: 0.2%

Percentage of Net Fees on Referee Transactions: 10%

Sign-up Bonus (To share with friends): $100 ($20 x 5 friends)

Invest Fee Discount: 50%

Jade Green/Royal Indigo Monaco Bitcoin debit card

Card Cashback: 1.5%

LoungeKey™ Airport Lounge Access: Yes.

Free ATM Monthly Withdrawal Limit (2% thereafter): $800.

Interbank Exchange Rates Monthly Limit (0.5% thereafter): $10,000

MCO Private: No.

Composite Metal: Yes.

MCO Purchase and Hold (6 Months): 500 MCO.

Wallet Cashback: 0.4%

Percentage of Net Fees on Referee Transactions: 15%

Sign-up Bonus (To share with friends): $400 ($40 x 10 friends)

Invest Fee Discount: 50%

Icy White Monaco Bitcoin debit card

Card Cashback: 1.75%

LoungeKey™ Airport Lounge Access: Yes + one guest.

Free ATM Monthly Withdrawal Limit (2% thereafter): $800.

Interbank Exchange Rates Monthly Limit (0.5% thereafter): $10,000

MCO Private: Yes.

Composite Metal: Yes.

MCO Purchase and Hold (6 Months): 5,000 MCO.

Wallet Cashback: 0.8%

Percentage of Net Fees on Referee Transactions: 20%

Sign-up Bonus (To share with friends): $4,000 ($80 x 50 friends)

Invest Fee Discount: 50%

Obsidian Black Monaco Bitcoin debit card

Card Cashback: 2%

LoungeKey™ Airport Lounge Access: Yes + one guest.

Free ATM Monthly Withdrawal Limit (2% thereafter): $1,000.

Interbank Exchange Rates Monthly Limit (0.5% thereafter): Unlimited.

MCO Private: Yes.

Composite Metal: Yes.

MCO Purchase and Hold (6 Months): 50,000 MCO.

Wallet Cashback: 1%

Percentage of Net Fees on Referee Transactions: 25%

Sign-up Bonus (To share with friends): $10,000 ($100 x 100 friends)

Invest Fee Discount: 50%


Stay tuned for when the card launched in your country by visiting their website HERE.


Shakepay Bitcoin Debit Card Review

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shakepay bitcoin debit card

What is Shakepay?

ShakePay is a Canadian cryptocurrency exchange, e-wallet provider and Bitcoin debit card issuer. The card itself is entirely new and was only rolled out in early 2016. It paid off to be slightly late to the party, however. Shakepay could not only offer Bitcoin debit cards to their customers but also a mobile app that worked like Apple Pay. Unfortunately, ShakePay was one of the companies that were tied to Wavecrest. This meant that they had to withdraw all their cards in early 2018. ShakePay made a come-back just one month after their broken partnership with Wavecrest had blown over.

Shakepay Bitcoin Debit Card Review

The first thing to note about Shakepay is that it’s only available for users in Canada. You will be required to provide some details to verify who you are to use Shakepay.


The verification process is quick. You need to provide your name, birthdate, and address. The process will be longer should they for any reason not be able to identify you with these details. You may be required to provide proof of address in the form of a utility bill, or a passport and driving license. Although Shakepay doesn’t advertise a separate business account, you can join them as a business. That may require you to take additional verification steps, however.

Available cryptocurrencies

Shakepay has recently added Ether as a cryptocurrency you’re able to use with your card. The only other cryptocurrency available is Bitcoin, and you can only convert them to Canadian dollars. It’s not possible to exchange Bitcoin for Ether, or vice versa. That makes Shakepay more restrictive than most other Bitcoin debit card providers. It’s possible to send all three currencies to other Shakepay users via the app.

shakepay bitcoin debit card

Trading with ShakePay Bitcoin debit card

The company doesn’t currently offer any advances trading options, but the existing ones are ok. The app allows you to manage your wallet and made the trades you need to make. The interface is clean and straightforward, which makes it easy to use. You’ll also be able to view your transaction history, which is practical for accounting purposes.

Sending and receiving money with ShakePay

You’re able to both send and receive money with your ShakePay Bitcoin debit card. You can load the card by using bank transfer, and you can withdraw money to your bank as well. You can also load Bitcoin and Ether onto your card the usual way. Just enter or scan the relevant address.

shakepay bitcoin debit card

Advantages of the ShakePay bitcoin debit card

The verification process is both quick and easy. Similarly, it’s fast and convenient to send money to other ShakePay users. It’s also practical that you can withdraw your funds to your bank account. There are no fees associated with deposits or withdrawals. Finally, you don’t pay mining fees, because ShakePay covers them.

Disadvantages of the ShakePay bitcoin debit card

Although deposits and withdrawals are free, transactions aren’t –and they’re quite expensive.

ShakePay Bitcoin debit card transaction fees

The transaction fee for SpectroCard is 1.75%, which is higher than most of their competition. You don’t pay any fees for deposits, withdrawals, or monthly use, however. No other card issuer will cover the Bitcoin transaction fee either, which is very lovely. Gas fees for Ether withdrawals are also covered by Shakepay.


Security Token Exchanges

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security token

What is a security token?

One of the main criticisms that skeptics have leveled against cryptocurrencies is that they lack intrinsic value. That led to the rise of stable coins, which are cryptocurrency tokens backed by something of value. That something could be gold, diamond, or even land. Security tokens are essentially stablecoins. Their value is tied to the amount of an asset, for which they work as security. In other words, a security token represents your ownership of an asset.

What are security token exchanges?

If you’re the lucky owner of Bitcoin, Ethereum, Litecoin, or any other cryptocurrency, chances are you’ve made a trade. That trade took place on an exchange, of which there are many. Not very many trades deal in security tokens, however. In this article, we’ll take a look at some of the existing security token exchanges, as well as some upcoming ones.

security token

BankToTheFuture (BTF)

BTF is a security token investment platform open to professional traders only. You need to earn over $200,000 per year to join BTF. You’ll also be asked to invest a minimum of $1,000 when you join.


tZero is a platform owned and run by the people behind Overstock. They have also partnered with Polymath to ensure a proper legal framework. Finally, tZero has also launched their TZRO cryptocurrency token.


Bancor is the company behind the Smart Token protocol, which is what makes cryptocurrency exchanges possible. Besides leading the way for security token trading, Bancor also has its cryptocurrency token BNT.

Gibraltar Stock Exchange

The Gibraltar Stock Exchange (GSX) is a regular stock exchange in Gibraltar. However, they will be launching the Gibraltar Blockchain Exchange (GBX) in 2019, which will allow you to trade security tokens.


The favorite US-based exchange Coinbase will also join the security token market in 2019. The company has recently acquired Venovate Marketplace Inc, Keystone Capital Corp, and Digital Wealth LLC to make this happen.


Another American company that has made acquisitions is Templum. They plan on entering the security token market next year and have bought up Liquid M Capital to facilitate the trading.


SharesPost has been dealing in online private equity secondaries since 2009. Today, they work with over 50,000 investors and 200 companies. Next year, they’re planning on launching a security token trading platform, and have made funding rounds to accomplish that goal.

security token

Australian Securities Exchange

The Australian Securities Exchange (ASX) has, much like GSX mentioned earlier, decided it wants a piece of the security token pie. Their platform will however not be available until 2021.

Malta Stock Exchange

Since Malta is coined the blockchain island, it’s only natural for the Malta Stock Exchange to get in on the action as well. MSX has partnered with Neufund to launch their security token trading next year.

SIX Swiss Exchange

SIX Swiss Exchange is the most prominent stock exchange in Switzerland. They have announced this year that they are working on launching SIX Digital Exchange (SDX), which will deal in security token trading.

London Stock Exchange

Finally, the London Stock Exchange will be joining the security token club in 2019. The exchange is collaborating with the Financial Conduct Authority (FCA) as well as two fintech companies; 20|30 and Nivaru.


SpectroCoin Bitcoin Debit Card Review

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spectrocoin bitcoin debit card

What is SpectroCoin?

SpectroCoin is a London-based company that was founded in 2013 by Vytautas Karalevicus, Justas Dobiliauskas, and Mantas Mockevicius. The three founders applied their respective backgrounds in software design, international business, and cryptography to create their Bitcoin card in 2015. Today we’re going to have a look at how their card stacks up against some of the other we’ve reviewed.

SpectroCoin Review

SpectroCoin provides users with a Bitcoin wallet, an exchange to trade on, and a card to spend with. But SpectroCoin offers a bit more than your average Bitcoin Card issuer. They also cater to businesses in a way most of their competition doesn’t. SpectroCoin makes it possible for merchants to accept Bitcoin as a method of payment. Business users will be given options to use e-commerce plugins and databases.

The card itself functions much like any other Visa or Mastercard. It can be used anywhere those payment cards are accepted. Any cryptocurrency on the card can instantly be converted to USD, GBP, or EUR and spent in stores. Cardholders can of course also use the SpectroCoin card in ATMs worldwide.

Shipping and security 

The card is shipped worldwide for free and takes a few weeks to arrive. You also have the option of paying $75 for express shipping and get the card in less than a week. SpectroCoin has an app to go with the card. It allows you to access your wallet and view your balance. You can download it for both iOS and Android.

SpectroCoin does ask users to verify their identity with a passport or driving license as well as a proof of address. That means there is a stronger focus on security than on user anonymity. The security is good, however. You can enable two-factor authentication to add an extra layer of protection.


There are certain restrictions that apply to use the card. You can hold a maximum of $10,000 at any given time. You can only withdraw money from ATMs twice per day, and for a maximum of $2,000. There are no such restrictions on using the card in-store or online, however.

It’s easy to load money onto the card, and SpectroCoin is quite flexible in this regard. You have the option of receiving funds from bank accounts and payment services like PayPal.

spectrocoin bitcoin debit card

Advantages of SpectroCoin Bitcoin debit card

SpectroCoin covers the entire world, which is good news for all the countries not covered by other cards. Although not many use Windows phones anymore, SpectroCoin still caters to Windows users. There is a separate company card available for businesses, which is unusual in the Bitcoin card space.

Disadvantages of SpectroCoin Bitcoin debit card

It’s pricey to get the card shipped if you don’t want to way 3-4 weeks to get it. Some people have complained online about SpectroCoin being a scam, which is a bad look. That could be because the withdrawal fees for Bitcoin is very high with SpectroCoin. Reviewers have complained that they can be as high as  0.01 – 0.0005 BTC per transaction.

spectrocoin bitcoin debit card

SpectroCoin Bitcoin debit card fees

The physical Bitcoin debit card costs $9, and the virtual card costs just $0.50. There is an additional fee of $1 per month of usage. It’s free to load money onto the card if you’re using bank transfer or another SpectroCoin account. It becomes pricey if you want to use any other method. Credit cards cost 5%, and Bitcoins 0.5%. ATM withdrawals cost the standard $2.5 domestically and $3.5 internationally.


ANXPRO Bitcoin Debit Card Review

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anxpro bitcoin debit card

What is ANXPRO?

ANXPRO is a Bitcoin debit card issued by the blockchain company ANX International. The company is based in Hong Kong and launched in 2013. The main aim of the ANX International is to provide blockchain-based fintech solutions. ANXPRO started as a cryptocurrency exchange and still offers those services today.

The company has since then launched not only their Bitcoin debit card but also ABS, which is ANX Blockchain Services. ANX International has over 3 million happy customers spread across 50 countries. They’ve processed over 100 million transactions, and today we’re going to have a look at how their card measures up.


Since ANXPRO is a cryptocurrency exchange, they’re in a good position to issue a card. Users can set up an account on their exchange, which creates a wallet to hold their cryptocurrency. The wallet on ANXPRO is referred to as a ‘Vault,’ but functions like any other cryptocurrency wallet.

The ANXPRO app and exchange interface is intuitive and easy to use even for beginners. Bitcoin, Litecoin, Dogecoin, Stellar, and Ripple are among the cryptocurrency tokens its possible to trade with on ANXPRO.

The app is available for both iOS and Android, and allow you to manage your funds, trade on the exchange, and send Bitcoins. Sending Bitcoins is as easy as tapping the recipient’s Bitcoin address or scanning their QR code. They don’t even have to have a Bitcoin address — ANXPRO allows you to send Bitcoin via email like PayPal.

The wallet allows you to store frequently used addresses so you can quickly and easily send money. Finally, the app and wallet are connected to your ANXPRO Bitcoin debit card. The card works just like any regular Visa or Mastercard. You can use it to purchase items in-store or withdraw money from ATMs.

ANXPRO cards come in two varieties: Elite and Premium. Neither requires you to provide too many personal details, but you have to be in the United States. Getting your hands on an ANXPRO card is quite easy. You sign up on their website and order the card to your door.

anxpro bitcoin debit card

Advantages of the ANXPRO Bitcoin debit cards

The ANX Elite card has no maximum card balance. It allows you to make unlimited transactions, both online and in-store. As an icing on the cake, the Elite card also has your name embossed.

The ANX Premium card allows you to make both online and in-store transactions. It also allows you to load it quickly, and you don’t pay a monthly fee.

Disadvantages of the ANXPRO Bitcoin debit cards

The card is only available in USD and for users located in the United States.

anxpro bitcoin debit card

ANXPRO Bitcoin debit card fees

The ANX Elite card charges a flat rate of $3.50 for ATM withdrawals. In comparison, the Premium card costs you $7 or 1.5% per withdrawal, whichever one is higher.


ANXPRO looks like a good option for crypto fans based in the United States. For everyone else, it is unfortunately not an option. Quite a few card issuers have expanded their reach, however, so it’s possible that ANXPRO will eventually offer their card to the rest of us. The interface is easy, but the fees for using it are rather steep compared to other options.


TenX Bitcoin Debit Card Review

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TenX Review

TenX isn’t strictly a Bitcoin debit card, although it also supports BTC. Instead, the card is mainly known for being an Ethereum debit card, of which there aren’t many around. That already makes TenX an attractive solution for people who want to hold more than one cryptocurrency. TenX started as an ICO last year in 2017 and issued PAY tokens to its investors. It was a roaring success, and TenX is now one of the most flexible cards on the market.

TenX has received many accolades for their technology and has been a hit at blockchain conferences. Ethereum has a particular sweet spot for the card issuer. However, the company is currently experiencing some issues, as are most other Bitcoin debit card issuers. That means the card isn’t actually available yet, but will hopefully become available again in 2019. We’ll do our best to keep you updated on its availability, so you don’t miss out!

Advantages of the TenX Bitcoin debit card

One of the main benefits of using the TenX card is that you aren’t limited to Bitcoin only. You can use Ethereum and Litecoin as well.

Further, the company does not charge you any fees for making transactions.

The best part about the TenX card is that there are many rewards to be gotten from using it. Among these are a cashback rate of 0.01% every time you use it in store.

There are also additional rewards you can be given depending on how often you use it. Holders of the native PAY token will receive extra rewards as an incentive.

Finally, there is a 0% foreign exchange fee, which is the only card we’ve seen with this feature.

Disadvantages of the TenX Bitcoin debit card

It has to be said that the lack of availability is a huge drawback. If the card isn’t available, we can’t use it. So until TenX fixes that, users will be left disappointed.

TenX Bitcoin debit card fees

The physical TenX card costs a flat rate of $15 to be issued. The virtual card costs one-tenth of that, coming in at $1.50. There is no annual fee you spend less than $1,000 per year. Once you go over that amount, the annual service charge is $10.

Summary of the TenX Bitcoin debit card

  • Card type: Visa
  • Virtual card: Yes
  • Physical card: Yes
  • Mobile app: Yes
  • Supported fiat currencies: GBP, EUR, and USD
  • Supported cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC)
  • Anonymous: No


Overall TenX will be a formidable competitor to the existing Bitcoin debit cards once it’s available again. That said, the fact that the company didn’t have a contingency plan is a bit of a letdown. With no cards available, it’s difficult to provide an accurate assessment of how well it works. The company has however received the blessing of none other than Ethereum’s founder Vitalik Buterin. In addition to the support from big names like Buterin, the company has also created some waves in the blockchain community. We’re therefore quite excited to see what 2019 has in store for TenX.

Bitwala Bitcoin Debit Card Review

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bitwala bitcoin debit card

Bitwala Review

Bitwala was founded in Berlin in 2014 and is one of the first, if not the first, Bitcoin debit card that hit the market. The company boasts over 57,000 users and serves over 200 countries across the globe. Where many card issuers only support a few fiat currencies, Bitwala supports over 20. As a prepaid card, Bitwala allows users to instantly convert and withdraw their cryptocurrency in the form of cash. The Bitwala card is available to personal and business users alike, making it an attractive option for professionals. It should be noted that the Bitwala card is currently not possible due to their partnership with Visa having ended earlier this year. We will do our best to keep you updated on their progress, and hopefully, see the card in 2019.

Advantages of the Bitwala Bitcoin debit card

Bitwala is one of the most flexible cards on the market. No other card we’ve reviewed so far supports these many fiat currencies, cryptocurrencies, and countries.

The interface on the Bitwala website is also straightforward to use.

Price-wise, Bitwala is very flexible compared to the competition.

The company also offers a business card version of their Bitcoin debit card.

Their customer service has received much praise from users, who’ve found them to be knowledgeable and helpful.

The card is available to anyone regardless of whether or not they want to verify their identity.

The company is very transparent with their fees, which is a reassurance to users.

Disadvantages of the Bitwala Bitcoin debit card

The card was not available in the US before their partnership with Visa broke down. Now the card is not available anywhere.

The company also uses a third party exchange, which could potentially incur additional costs. 

Bitwala Bitcoin debit card fees

The card costs $2 to be issued, and then $1 per month in service fees. You will additionally have to pay 0.5% in loading fees every time you top up your card. International transactions will set you back 3%. Bitwala charges you $2.50 for domestic ATM withdrawals and $3.5 for international withdrawals. The foreign exchange fee is 3%.

Summary of the Bitwala Bitcoin debit card

  • Card type: Visa
  • Virtual card: Yes
  • Physical card: Yes
  • Mobile app: Yes
  • Supported fiat currencies: 20+ currencies, including GBP, EUR, USD, JPY, VND, MYR, AUD, BRL and MNX
  • Supported cryptocurrencies: 40+ different cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Ripple (XRP) and Litecoin (LTC)
  • Anonymous: No


The Bitwala card is easily the most flexible card regarding cryptocurrencies, fiat currencies, and countries. Most other crypto cards only offer Bitcoin, and some do extend the support to ETH and LTC. Bitwala supports over 40 different altcoins, which makes it a desirable choice for people with a diverse cryptocurrency portfolio. However, the card hasn’t been available since the breakdown of the Visa partnership, which is a shame. There are currently only four active cryptocurrency debit cards in the world, and unfortunately, Bitwala is not one of them. Hopefully, we will see the return of the company’s Bitcoin card in 2019. Until then, stay tuned for any updates on their progress!


XAPO Bitcoin Debit Card Review

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xapo card

XAPO Review

XAPO card claims to be the first real Bitcoin debit card on the market. It’s not entirely true, as Bitwala was the first company to offer the service. XAPO was, however, the first company to link Bitcoin to their card. Being a pioneer in any field comes with benefits and disadvantages. The benefits are that you’re ahead of the curve. The downside is that you have to make all the mistakes. XAPO did indeed make a lot of errors, including sending unbranded cards to their customers. They’ve learned from these mistakes, however, and is now one of the leaders in the space. Let’s have a look at some of the specifics.

xapo card

Advantages of the XAPO Bitcoin debit card

There are no maintenance fees during the first year of using the XAPO card.

XAPO also places a strong emphasis on security, and there are several layers you can activate as a user.

There are also no fees associated with topping up your card, which stands in sharp contrast to their competition.

Disadvantages of the XAPO Bitcoin debit card

The card is currently out of service, due to XAPO no longer working with Visa. The card will be re-launched in 2019, but for now, it’s not available.

The card is also relatively expensive to ship if you don’t want to wait almost a month to receive it.

Before ceasing operations, the company did not service US citizens, which is impractical for Americans.

Although XAPO used to offer anonymity to those who wished it, new rules seem to require stringent verification.

XAPO Bitcoin debit card fees

The physical XAPO card costs $20 to issue. Once you have the card in hand, you’ll be charged $1 per month in maintenance. New users will be happy to discover that the first year of usage is free. You can choose between free delivery or express delivery. Free delivery takes 25 days and does not include parcel tracking. Express delivery costs $55 and will get you the card very quickly. Withdrawing money from an ATM with the card requires $2.5 domestically and $3.5 internationally. Converting from one currency to another comes with a 3% conversion fee. There are no POS charges if you use the card’s native money. If you use the card abroad, however, it’ll cost you an extra 3%. It costs $1 to change the card’s PIN, and getting a replacement will cost you $12.

xapo card

Summary of the XAPO Bitcoin debit card

  • Card type: Visa
  • Virtual card: Yes
  • Physical card: Yes
  • Mobile app: Yes
  • Supported fiat currencies: GBP, EUR, and USD
  • Supported cryptocurrencies: Bitcoin (BTC), Ethereum (ETH)
  • Anonymous: No


XAPO has a solid background and is a well-known brand in the cryptocurrency space. They were one of the early starters, and have learned a lot along the way. Unfortunately, some Bitcoin debit card issuers ran out of luck with Visa recently. XAPO was one of them. As such, their card isn’t currently available, which is a shame. Stay tuned for updates on when the card is available again!

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