Bitsa Pro Plan
by Bitsa
- Monthly fee
- $9.99
- Card fee
- Not listed
- Top-up fee
- 1%
- ID check
- Full KYC
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Bitsa's top tier is meant for heavy spenders and offers an unlimited balance and the highest ATM and spending limits, along with the most generous allowance for SEPA transfers and cards. It costs €9.99 a month, needs Level 4 KYC and is limited to the SEPA zone.
What we like
- +Unlimited maximum account balance
- +Highest daily spend limit of €15,000
- +Up to 8 cards in total
- +2 free SEPA Instant transfers a month
Watch out for
- −Highest monthly fee at €9.99
- −Full Level 4 KYC verification required
- −Conversion spreads still apply on the premium plan
- −Limited to the SEPA zone
3.4/10
Editor score
Poor
2.7/10
User rating
Based on 19 sources
Lv 4
KYC Level
Full KYC
Global
Availability
2 countries excluded
Card Overview
Rewards
- Cashback
- 15%
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- $9.99
- Card Issuance
- —
- ATM Fee
- 1%
- FX Fee
- 1.5%
- Top-up Fee
- 1%
- Decline Fee
- —
Limits
- Daily Spend
- $15,000
- Monthly Spend
- $30,000
- ATM Withdrawal
- $900
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
2.7/10
Sourced from
There is a large gap between the marketing of unlimited financial freedom and what users experience. The €9.99 monthly subscription on paper unlocks strong limits (€360,000 annual reload, unlimited balance, free SEPA transfers), but user feedback across several platforms describes recurring failures. Reports include account freezes right after legitimate deposits, customer support that goes silent for weeks or months, exchange spreads of about 6.2% on crypto conversions despite 0% fee marketing, and cards rejected by payment processors. The custodial setup through Pecunpay EMI uses strict AML algorithms that often lock funds without explanation. For heavy users, total cost including monthly fees, hidden spreads, ATM fees (about 6.6% effective) and 2% FX is well above competitors. The app is polished and onboarding is smooth, but unreliable payment processing, a €50 minimum deposit and a 15% cashback program that has been dropped or limited to certain merchant brands outweigh that. Trustpilot rates it 1.3 to 1.5 out of 5, reflecting concern over access to funds and poor support. Even paying Pro subscribers report the same problems, so users should be very careful about holding significant funds or relying on it regularly.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin, Ethereum
Frequently asked questions
Does the Bitsa Pro Plan require KYC?
Yes. Bitsa asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the Bitsa Pro Plan charge?
The card has a monthly fee of $9.99, an issuance fee of not disclosed, a top-up fee of 1%, an FX fee of 1.5%. See the fee table above for ATM and decline fees.
Does the Bitsa Pro Plan work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Bitsa Pro Plan?
It is available in most countries, except United Kingdom, United States.
Which cryptocurrencies does the Bitsa Pro Plan support?
BTC, ETH, LTC, USDT, USDC.
Last updated August 19, 2026, verified August 6, 2026.