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COMPANY detail
BIPA CARD
the Bitcoin app with card
CARD FEATURE OVERVIEW.
TIERS
ADD TO WATCHLIST
REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
UP TO 5%
NEED KYC
YES
FX FEE
NOT DISCLOSED
APR / YIELD
YES
CARD TYPE
VIRTUAL, PHYSICAL AND CREDIT
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
UP TO 5%
NEED KYC
YES
FX FEE
NOT DISCLOSED
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
DYNAMIC
GET THE CARD
CREDIT MODE
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO 5% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL, PHYSICAL AND CREDIT |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
DEBIT MODE
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO 5% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | DYNAMIC |
Last Updated: Aug 18, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified
Buy BTC directly with your credit card limit, up to 3x installments, BTC goes straight to your wallet. Unique feature not available on most crypto cards.
CDI yield only applies to BRL collateral in credit mode. BTC/USDT collateral earns zero yield, and debit mode users get nothing.
SatsBoost resets every month, you must maintain high monthly BTC/USDT purchase volume to keep your tier. Drop below and you're back to 0.5%. Need R$3,000+/mo purchases just to reach 1.10%, and R$500,000+/mo for the max 5%.
Trading fees are steep for small amounts: R$1–R$9 costs 3.00%, R$10–R$99 costs 2.25%, R$100–R$199 costs 2.00%. Only drops below 1% at R$50,000+ (0.50%). DCA recurring orders are fee-free after first week.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- BITCOIN SATSBACK UP TO 5% WITH SATSBOOST
- UP TO 115% CDI ON BRL COLLATERAL
- CREDIT AND PREPAID CARD MODES
- FREE LIGHTNING BTC TRANSFERS
- FEE-FREE RECURRING DCA AFTER INITIAL PERIOD
- PHYSICAL AND VIRTUAL CARD OPTIONS
- PIX FOR INSTANT BRL DEPOSITS
- BCB-SUPERVISED PAYMENT INSTITUTION
CONS
[ LIMITATIONS ]
- BRAZIL-ONLY ACCOUNT AVAILABILITY
- CUSTODIAL BTC AND USDT STORAGE
- CRYPTO COLLATERAL CAN BE LIQUIDATED
- USDT LIMITED TO ETHEREUM AND POLYGON
- SATBOOST RESETS MONTHLY
- HIGH VOLUME NEEDED FOR TOP SATSBOOST TIERS
- NO IBAN OR SWIFT BANKING RAILS
- CDI REWARD CAPPED AT R$200,000
GENERAL QUESTIONS.
Bipa offers the simplest way to buy, sell, and live with Bitcoin. Through the app, Brazilians can easily integrate Bitcoin and the Digital Dollar into their daily lives. Bipa customers can make Pix payments or purchases with their credit card using Bitcoin and USDT. The conversion is automatic at the time of transfer. Customers can also register Pix keys and use the BitPix tool to receive payments in reais that are automatically converted to Bitcoin or USDT. These features allow Bipa customers to spend in reais while maximizing their exposure to stronger assets and currencies, such as Bitcoin and the US dollar.
Bitcoin and USDT trading fees vary depending on the amount traded. You can also set up recurring purchases to accumulate Bitcoin without fees. Bipa has zero fees on recurring purchases starting from the second week.
https://suporte.bipa.app/hc/pt-br/articles/30249970786587-Quais-so-as-taxas-de-negociao-de-Bitcoin-e-USDT-na-Bipa
When you negotiate R$1,000 or more in purchases and sales within a 30-day period , your card will be automatically activated .
Bipa Turbo subscribers receive double cashback in Bitcoin on every purchase and can use Bitcoin or USDT as collateral to obtain even higher credit card limits, up to R$160,000. The Bipa Turbo subscription has a monthly fee of R$50, which can be paid via direct debit or on the credit card bill.
MORE CRYPTO CARDS.
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KRAK CARD
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REBIND CARD
Self-custody
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Zero-fee Visa card
Up to 5% GNO cashback
RIZON CARD
UP TO 2.5% CASHBACK
UNLIMITED CARD SPEND
FX FEE: UP TO 1.7%+$0.1
AVAILABLE IN USA & LATAM