Top 6 Bitcoin Debit Cards of 2020

To achieve wide-scale adoption Bitcoin must resemble the banking system it aims to disrupt.

With this in mind, Bitcoin debit cards look set to play a pivotal role in bridging the gap between traditional finance and digital currencies.

At this moment in time, not many businesses accept payment in Bitcoin while most accept debit card payments.

A top bitcoin debit card makes the exchange from crypto to fiat for you.

Users can top up with Bitcoin or a number of other cryptocurrencies and used to pay for goods anywhere that accept debit cards.

So you can use it at shops, ATM’s, and online, even if the vendor doesn’t directly accept bitcoin.

How to choose the best Bitcoin debit card

There are a number of factors to consider when choosing the top Bitcoin debit card to suit your needs.


The cryptocurrency space is heavily regulated with different regulatory requirements for various regions.

This leads to Geographical limitations when it comes to ordering a physical Bitcoin card.

Before opening an account, always check to make sure you are eligible for a Bitcoin card.


Owning any debit card presents a risk of fraudulent activities.

However, choosing a card integrated with a major credit card provider means users can avail of all the latest security features, such as Verified By Visa, CVV2 (Card Verification Value 2), SMS notifications, and Visual Cryptogram.

Ease of Use

For Bitcoin debit cards to achieve wide-scale adoption they must be easy to use and offer a streamlined user experience.

Since many debit cards connect to online exchanges, the ability to effortlessly fund and withdraw from your account is a key consideration.


Fees are an important consideration when it comes to choosing the top bitcoin debit card for your needs.

Bitcoin debit cards often include the following fees

Activation fee: Most companies charge a small one time fee for the issuance of a debit card.

Loading fee: This is the fee charged each time you top up your debit card account.

ATM Fee: Withdrawing at an ATM isn’t free and most Bitcoin debit card companies charge a fee of between 1-2%.

Maintenance Fee: Some companies choose to charge a small maintenance fee each month while others choose not to.

Top Bitcoin Debit Cards

MCO Visa Card

The MCO Visa Card from is a versatile crypto debit card.

The card is currently available in the USA, UK, EU, Asia Pacific, and Singapore.

The accompanying app is secure, easy to use and offers a host of features such as a built-in exchange, staking, and instant loans.

The card supports direct cryptocurrency, USD, EUR, GBP, and SGD deposits, and offers a zero-fee conversion up to $2,000.’s unique reward system rewards users for staking their MCO tokens with a cashback of up to 5% on every purchase. rewards

MCO debit card offers the best rewards around.

Furthermore, the refer a friend program entitles new users to a $50 bonus for staking MCO token by using the referral code below.

Referral code: 526j3mzd6g



The Wirex Visa crypto debit card

The Wirex Visa crypto debit card is the most versatile card around.

The card is available in the USA, UK, EU, Taiwan, Singapore, Philippians, Korea, Australia, and New Zealand.

Wirex debit card supports 150+ currencies and accepts fiat deposits in USD, Eur, GBP, and SGD.  In addition to direct cryptocurrency deposits in BTC, ETH, LTC, and XRP.

Wirex operates a general low fee service with no issuance or loading fees.

The majority of transactions are also free, however, there’s a small maintenance fee of $1.50 each month.  And there’s a fee attached to ATM withdrawals of up to $3.50, depending on the region.

Furthermore, the Wirex crypto debit card has the highest limits with a daily transfer limit of $50,000 and a purchase limit of $10,000 for online purchases.

Wirex debit card


Uphold's MasterCard

Uphold’s MasterCard is the world’s first multi-asset crypto debit card.

It allows users to store and spend cryptocurrencies, fiat currencies, gold, platinum, and other precious metals by instantly converting them to cash.

This newly launched and groundbreaking debit card is currently only available in the USA.

All deposits are free and there are zero commissions for buying and selling assets.

Users can send fiat currencies, cryptocurrencies, or precious metals instantly, and free of charge worldwide.

Bitcoin and bank deposits are free but there is a fee of 3.99% for those using a Debit/Credit Card to fund their account.

Uphold also adds a small spread to the price of the asset being bought which typically stands around 0.5-1% but can vary depending on trading volume.


Crypterium debit card

Crypterium debit card is part of the UnionPay network and the world’s first global Bitcoin debit card, meaning you can use it anywhere in the world.

The debit card can be topped up effortlessly through the integrated multi-currency Crypterium wallet app.

Crypterium has the highest overall deposit and withdrawal limits on the market.

Users can top up the card with a maximum balance of $50,000 dollars and deposit up to $10,000 per day.

ATM withdrawal limits are set at $2,500 and users can spend up to $13,000 per day.

You’ll be glad to hear there are no conversion, transaction, or international fees.

Crypterium prefers to take their cut through an issuance fee of $25 for the card ($10 for replacement cards) and a load fee of $1 + 2% of the deposited amount.

Nexo Card

The Nexo MasterCard

The Nexo MasterCard is an entirely new type of crypto debit card that lets users shop with their cryptocurrencies without actually spending them.

Instead, Nexo Card uses your crypto as collateral for instant fiat loans, with funds being returned once the loan has been repaid.

The Nexo Card is attainable worldwide, and supports over 45 different fiat currencies, making it one of the most accessible bitcoin debit cards around.

The card is free, has zero fees on all transactions and users can enjoy a cashback of up to 5% on purchases made using the Nexo Card.


The Cryptopay prepaid Visa card is primarily aimed at customers in Europe and supports USD, EUR, GBP, and BTC.

Users can effortlessly buy cryptocurrencies through the platform.

Funds can then be converted into supported fiat currency and loaded onto the Cryptopay prepaid card.

Cryptopay offers a stress-free way of using the Bitcoin network.

However, fees can be slightly higher than other Bitcoin debit cards.

card price and fees


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