The advantages include acceptance of the three most important currencies. The card can therefore be paid with these currencies or with Bitcoin and is delivered worldwide free of charge. Shorter delivery times apply for Europe, these are approximately five working days. The balance of this Bitcoin debit card is held in Bitcoin. The card price is slightly above average, at $15 USD / EUR / GBP. CryptoPay offers 3-day shipping with DHL, but prices can go up to $75 USD. Due to the fact that CryptoPay already has very short delivery times for Germany, we would advise against it. As with Wirex, there is also a "virtual" debit card, for which $2.50 is charged. On top of that, there are monthly service fees for all their cards, even the ones that don't actually exist. This means there are two monthly fees. One monthly fee is €1. There is also a 1% top-up fee that applies to the top-up of the debit card. Like Xapo, this card is also a VISA card, contains a chip and not just the outdated magnetic strip. CryptoPay's limits are also similar to its competitors and can be increased or removed by ID verification. The daily withdrawal limit is €200 (unverified)/€1000 (verified). The maximum balance on the card is 2500€ unverified, upon successful verification this limit is removed. There is also a €1000 withdrawal limit. This limit can only be removed after showing proof of identity.

The benefits with this provider are at the highest limits of this comparison, without ID verification. Each card can hold up to $25,000 and up to $3000 can be withdrawn daily. However, only $750 at a time, this is still the highest amount in our test. This removes the need for some to have identification verification done at all. No instructions are required and the card costs only $9.95. As a merchant, you can link your website earnings directly to the debit card, making all earnings instantly available. There is also no PIN change fee (most cards charge $1 for this). The Bitpay debit card, like some of its competitors, is a VISA card. The order form asks for national insurance number, date of birth, name and address, but these don't seem to be checked closely. Now for the disadvantages: The Bitpay debit card is only available to US citizens for the time being. The debit card can only be loaded with Bitcoin and not with any fiat currency. In addition, the metal chip is missing, which will replace the magnetic stripe in the future or has already replaced it in some areas. A big disadvantage for many will be the currency in which the balance of the BitPay debit card is held. The card is loaded with Bitcoin but immediately converted into US dollars and also held in this currency. This makes it more like a normal fiat debit card that can be loaded with Bitcoin.

Spectrocoin is a company registered in London, UK and was founded in 2013. Initially, the site only offered a Bitcoin wallet that could be managed online, which was later expanded to include the function of buying and selling Bitcoins, a VISA debit card and the simple integration of Bitcoin as a payment option for shops. In the meantime, Spectrocoin can also manage Ethereum, Litecoin, Dash, Ripple, Stellar, NEM, Dai, USDT, USD and 13 other cryptocurrencies. However, it must be mentioned at the outset that Spectrocoin is unfortunately not (yet) available in German. Currently, the European languages English, French, Dutch, Portuguese, Italian and Lithuanian are supported, as well as Russian, Arabic and four Asian languages. The registration on Spectrocoin As with many Bitcoin services, registration with Spectrocoin is very simple and quick. All you need is an email address and a password. After accepting the terms and conditions and solving a small captcha, the link in the email sent to you must be confirmed. After that, you can log in and get started. Alternatively, you can also register with your Facebook or Google account. The account The start page of the internal account provides a quick overview and is nicely designed. The current balances in cryptocurrencies and fiat currencies such as euros or US dollars are displayed in large tiles. Spectrocoin supports a total of 25 currencies. In the menu, all menu options are clearly displayed for quick navigation. The Bitcoin and Dash Wallet In the menu item Wallet, the options for the crypto wallets are available. Any number of addresses can be created. Cryptocurrencies are available in the wallet as soon as they have received between 1-10 confirmations in the network (depending on the amount of the transaction). A fee of 0.0005 BTC or Dash is charged for withdrawals. For the deposit and withdrawal of fiat money, further personal details must be provided. First and last name, date of birth and a mobile phone number are required, as well as a complete KYC. A special feature is the option to import private bitcoin keys, so that an already used address and the corresponding credit can be imported directly into Spectrocoin. In addition, the wallet offers a nice overview of all incoming and outgoing transactions of the account, both for cryptocurrencies and for monetary currencies. These can also be exported as a CSV file if required. The Bitcoin Exchange (SpectroCoin Pro) Spectrocoin offers direct buying and selling of bitcoins with five monetary currencies (euro, US dollar, British pound, Polish zloty and Czech koruna). Up to 30 monetary currencies can be deposited via a special payment provider. To buy or sell, the respective currency must be deposited beforehand. As soon as the money is deposited, trading can begin. The spreads are within the range of other Bitcoin exchanges. A special feature of Spectrocoin is that the currencies can be exchanged with each other. For example, you can deposit US dollars and exchange them directly into euros according to the current exchange rate. Deposits are free of charge on the part of Spectrocoin. Withdrawals are subject to a 0.5% fee. The VISA Debit Card Spectrocoin provides a debit card in cooperation with VISA. This allows you to pay with your bitcoin balance on Spectrocoin in over 25 million shops worldwide that accept Visa credit cards. It can also be used to withdraw money from over 30 million ATMs worldwide. The debit card can be applied for for a fee of 10 euros. However, personal details must be provided in the same way as when applying for a credit card at the local bank. In addition, you can apply for your own IBAN for the Euro Wallet. Bitcoin integration for own shop Anyone who has their own shop can offer Bitcoin as a means of payment with the help of Spectrocoin. The service offers ready-made scripts in PHP and Java for easy integration into the shop. Spectrocoin acts here as a payment provider and processor and then credits the Bitcoins directly to the shop's Spectrocoin Bitcoin wallet upon payment. There are currently no fees. If you want to have your wallet with you at all times, you can download the Spectrocoin app from the Google Play Store, Apple App Store or Microsoft Store. Conclusion Spectrocoin is overall a very good provider for buying and selling bitcoins. The debit card rounds off the offer. The great strength is the number of supported deposit and withdrawal methods. In addition, the service is also particularly interesting for payment processing for shops and businesses that want to offer Bitcoin as a payment option.

Wirex offers over 100 digital and 3 fiat currencies that can be easily bought, stored, exchanged and spent anywhere in the world at any time. Wirex supports the cryptocurrencies Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), Stellar Lumens (XLM) and many more coins and tokens. The fiat currencies available at Wirex are EURO (EUR), British Pound (GBP) and US Dollar (USD). Whether buying or exchanging traditional currencies, cryptocurrencies or a mixture of both, Wirex is the only company that offers unlimited access to real-time interbank and OTC exchange rates to ensure the best deal is always available for the customer's transaction amount. Wirex also offers a fully SEPA account with an Irish IBAN number. This means that Wirex customers can both receive and send IBAN payments. Unfortunately, one disadvantage is that the customer support has been completely digitised and the customer no longer has the option to chat personally with a service agent. There is only the possibility to take the appropriate question from a question catalogue and to be satisfied with the standardised answer. For a fee of 10 euros, you receive a MasterCard. This card can then be used to spend any of the crypto or fiat currencies offered at more than 40 million points of sale worldwide without any problems. This makes the card the ideal travel companion. Withdrawals from ATMs are free of charge up to €400, after which fees apply. With a Wirex-X account, Wirex customers also receive an APR of up to 20% with daily interest and weekly payment!

The wallet app of the Chinese blockchain start- up crypto.com is a so-called multi-asset wallet, i.e. a wallet on which you can store several cryptocurrencies. In addition to Bitcoin, Ethereum, Dash, Ripple and Litecoin, a total of 40 wallets are available in the app. Customers can securely buy cryptocurrencies here and convert them into local fiat currencies. Crypto.com also offers Visa cards that can be loaded with the leading cryptocurrencies such as Bitcoin (BTC) etc. and can be withdrawn and paid for anywhere in the world free of charge. Cardholders even receive a cashback on purchases made with the Visa Card, which ranges from 1% to 5% depending on the card type. In addition, crypto.com offers Visa Card holders a 10% discount on Expedia bookings. Premium customers get 10% cashback on Airbnb reservations. And most recently, the company has started offering free Netflix and Spotify subscriptions to its MCO Visa Card holders. In addition, one receives a starting credit of 25 US dollars when opening an account.

Mountain Wolf is a modern, easy-to-use, web- based wallet. In addition to the classic currency account (EUR), the connected debit cards are also displayed as accounts. BTC, ETH, LTC, MOF, MWT, TRX, XRP and USDT are currently available as cryptocurrency accounts, whereby USDT can be executed in the two standards erc20 and trc20. With this innovative wallet, customers can dive into the world of cryptocurrencies in a simple but professional way, in addition to the classic payment services, because Mountain Wolf includes a fully-fledged crypto/fiat exchange. This crypto/fiat exchanger enables both "beginners" and professional traders to trade cryptocurrencies or convert them into EUR. The fiat currency can then be sent to a Mountain Wolf account, an IBAN account or to the connected debit card. All internal financial transfers at Mountain Wolf take place in real time! Another feature is the internal FIAT money transfer via "send Wolf" in real time! So if someone needs money urgently, this is the fastest alternative to provide it to them. Unfortunately, the free account opening comes without an IBAN. However, you can order one of the two debit cards for a one-time fee of € 29. However, if you want a fully-fledged IBAN account with which you can receive money and make IBAN transfers, this is only possible with the "Standard" version. However, the "Standard" account opening costs a one-time fee of 298,- €. You can also choose between two debit cards, which are included in the price: The Senator Card ; the perfect choice for anyone living outside the EU or EEA. It is fully verified and personalised, has a virtual IBAN, is directly linked to your Mountain Wolf account and allows SEPA transfers within the EU/EEA. The Cash4You Card ; this trendy option is only available to customers residing within the EU or EEA. It has no name printed on the card, also has a virtual IBAN, is directly linked to your Mountain Wolf account and allows SEPA transfers within the EU/EEA. The following account variants are available:

ALPHACARD 24 is an online account in which you can store both fiat and cryptocurrencies. You can choose between a German (DE), Turkish (TR) or English (GB) IBAN number. Further international IBAN numbers are planned. Alphacard24 also gives you the choice between a Visa prepaid card or a MasterCard debit card. The ALPHACARD 24 Debit- MasterCard from looks very high quality: Your name and credit card details are not only printed on it, but also embossed. Embossed cards give the seller the feeling of a "real" credit card. This can be decisive in some situations. The major advantage of the MasterCard Debit card from ALPHACARD 24 is that it is not subject to any limit on the amount of cash available at ATMs. The Visa prepaid card has a limit of €2,000 per day that can be withdrawn from ATMs. And even for bank transfers, this account has no limits, so the entire account balance is always available for transfers. Even direct debits can be carried out easily with ALPHACARD 24. No Schufa information is required to open an account with ALPHACARD 24, and the account is also absolutely seizure-proof. ALPHACARD 24 is the clever alternative to credit cards. You are always in control with immediate transaction notifications. The ALPHACARD 24 account is rounded off by an easy-to-use smartphone app.

Debit card

In times of global uncertainty, when wars and massive currency devaluations have become the norm and personal freedom is increasingly restricted, we need a counterbalance. We want to bring back freedom as it existed in the past - in other words, we want to "fly back" to the past. We want to offer an alternative that builds on the properties of digital gold - cryptocurrencies. Anonymity in personal spending online and offline, no restrictions on opening accounts and direct access to your own money without having to worry about the next bank going bust. In addition to our own products, we would like to offer you another security. A security that has been used as currency for several thousand years and has real value: Gold. With 10% of your deposit, gold is automatically bought and sent to you. So you don't have to rely on a piece of paper certifying that you own it, but hold it in your hands shortly after your deposit. • No KYC required - Spend your money completely anonymously • Compatible with many cryptocurrencies - Load a variety of cryptocurrencies to your card balance • Spend your crypto online and offline - Pay with your Flyback card in all shops - online and offline

wirex

alphacard

flyback

cryptopay

bitpay

spectrocoin

mountainwolf

crypto.com