This article gives you a clear overview of the fees and spending limits that apply to your Bitzaro Card.
The card is issued on the Visa network and your spending balance is held in USD, converted from USDT/USDC when you reload.
The most current fee schedule always lives at bitzaro.com, we will give you 30 days' notice in-app and by email before any change takes effect.
Card subscription and issuance fees
Item | Amount | When it is charged |
Virtual card — annual fee | USD 5 / year | When you activate the virtual card, then on each yearly renewal. |
Physical card — issuance fee | USDT 50 (includes year 1) | One-time when you order the physical card. |
Physical card — annual fee from year 2 | USD 5 / year | On each yearly renewal after the first year. |
Replacement card — lost or stolen | USDT (fee shown at request) | When you request a replacement and the card number is reissued. |
Replacement card — damaged | USDT (fee shown at request) | When you request a replacement using the same card number. |
Reload fees
When you move funds from your Bitzaro Wallet to your card balance, USDT/USDC is converted to USD via our card processor at the live rate.
Item | Amount | Notes |
Reload fee | 1% of the reload amount, minimum 3 USDT | Charged in USDT at the time of reload. |
FX conversion (USDT/USDC → USD) | Live rate via REAP | Rate and total are previewed before you confirm. |
Spending and ATM limits
Limits are set in USD and reset on a rolling basis. Exact caps may differ based on your KYC tier, country and card type — your live limits are visible in the Bitzaro app under Manage Card → Transaction Limit.
Type | What it controls | Where to view |
Per-transaction limit | The maximum amount of a single purchase or ATM withdrawal. | Manage Card → Transaction Limit |
Daily limit | The total amount you can spend or withdraw per 24-hour window. | Manage Card → Transaction Limit |
Monthly limit | The total amount you can spend or withdraw per calendar month. | Manage Card → Transaction Limit |
ATM withdrawal cap | Daily and per-transaction caps for cash withdrawals. | Manage Card → Transaction Limit |
Foreign exchange (FX) and ATM fees abroad
FX on purchases is handled automatically at the Visa network rate when you spend in a currency other than USD.
ATM operators may charge their own withdrawal fee — this is set by the ATM operator, not Bitzaro, and is shown on the screen before you confirm.
Exact FX margin and ATM fee values are listed in the live fee schedule on bitzaro.com.
Other charges
Refunds from a merchant are credited back to your card balance with no Bitzaro fee. The original reload fee is non-refundable.
Disputed and unauthorised transactions: no fee while the case is open. See How to Dispute a Card Transaction.
Inactive or closed cards: no monthly fee. The annual fee is not pro-rated if you cancel mid-cycle.
Note: Fees can change. We will give you at least 30 days' notice in the app and by email before any change to this schedule. Your continued use of the card after the notice period means you accept the new fees. |
Related articles
How to Load Your Bitzaro Card
Where Can I Use the Bitzaro Card?
Crypto-to-Fiat Conversion
How to Cancel Your Card
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