Ledger
BitPay Card
April 13, 2026VerifiedBitPay product updates (April 13, 2026 issue)BitPay published its April 13, 2026 product update covering BitPay Prepaid Card improvements, Wallet UX changes and the new faster buy/sell experience inside the BitPay Wallet.bitpay.com
BitPay CardBitPay Card
MastercardVirtual and plasticSince 2016Asks for everythingIssues reported
Before you continue. Readers report problems with this service — withdrawals, support or card delivery. Check current reports before you put money on it.
OG US crypto Mastercard issued by Metropolitan Commercial Bank — $0 annual, multi-currency, BTC/ETH/USDC/USDT funding, $25K balance cap. Currently in waitlist mode pending program improvements.
Total, per $100 spent: $3.00per $100 spent
126 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23. This one takes 2 times that for the same loss of privacy.
Open bitpay.comNot a paid link: we earn nothing either way.
Whether to take BitPay Card
In its favour
- Issued by Metropolitan Commercial Bank (Mastercard prepaid)
- $0 annual fee
- Apple Pay & Google Pay supported
- Multi-currency Mastercard with 25K balance cap
Against it
- New applications temporarily paused — waitlist available (program improvements)
- 3% foreign transaction fee
- $2,000 ATM per withdrawal, $25,000/month ATM cap
- $10,000 daily purchase / $25,000 max balance
Also true, in its favour
- BTC/ETH/USDC/USDT funding from BitPay Wallet or linked exchange
- Long track record (since 2016)
What BitPay Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 0% |
| To spend outside the dollar | 3% |
| Total, per $100 spent | $3.00 |
Not published by the issuer: to issue the card, per payment, fixed, at a cash machine.
Read off bitpay.com on September 7, 2026.
$0 annual fee. 3% foreign transaction fee. ATM: $2,000/withdrawal, max 3/day ($6,000/day), $25,000/month cap. $10,000 daily purchase. $25,000 max card balance. Issued by Metropolitan Commercial Bank. ⚠️ New applications currently paused as BitPay improves the program — existing cardholders unaffected.
KYC: what BitPay Card asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Daily spend$10,000
Maximum balance$25,000
Cash, per day$6,000
Not published by the issuer: monthly spend, per payment.
Confirmed on bitpay.com on September 7, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in4BTC, ETH, USDC, USDT
Chains3Bitcoin, Ethereum, Tron
Closed to residents of 7 countries, according to the issuer's own terms.
- Belarus
- Cuba
- Iran
- North Korea
- Russia
- Syria
- Venezuela
The other flaws
- US-only at launch, expansion in progress
What has changed
1 recorded changes, the most recent on April 13, 2026. Each carries the page we read it on.
How we checked this
Thirteen fields are tracked for every service. 11 of them carry a figure we read off bitpay.com on September 7, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Monthly · Spending limits · Maximum balance · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Issuance · Cash machine charge
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open bitpay.comNot a paid link: we earn nothing either way.
Alternatives to BitPay Card
Takes $0.05 less on every $100 spent.
Bit2Me CardBit2Me CardMastercardVirtual and plasticAsks for everythingOperationalFree to load. 2% outside the dollar, plus $0.95 fixed.AG21 Jul$2.95per $100 spent
Bit2Me CardBit2Me CardMastercardVirtual and plasticAsks for everythingOperationalFree to load. 2% outside the dollar, plus $0.95 fixed.AG21 Jul$2.95per $100 spent
