Bitnovo ist das Unternehmen, das hinter zwei verschiedenen Karten steht: the Bitcard und the Bitsa Prepaid Card. Diese Rezension konzentriert sich auf die Bitcard von Bitnovo.
Bitnovo promotes the following factors as main advantages with the Bitcard. First, you don't need a bank account. Second, you can top it up in essentially whatever way you prefer. It is usable wherever (both online and in physical stores), und, finally, your bank history is irrelevant when applying to have this card. Bank history is otherwise something important when applying for a regular credit card for instance.
Another thing worth noting here under the general information chapter is that there is no binding time for this card. Whenever the customer wants to cancel it, he/she can cancel it.
You can achieve three different levels for the card: Basic Level, Level Plus and Premium Level. The main difference between the levels are that, as you climb the levels, you need to provide more and more personal data and KYC-information. In exchange for doing that, your spending limits, ATM-withdrawal options and deposit options are expanded.
We think that Bitnovo charges competitive fees through their cards. Dies bedeutet, dass die Gebühren mit dieser Karte kein Nachteil für die Verwendung sind.
The monthly fee is EUR 1.20.
Es gibt eine Ausgabegebühr von EUR 25 (previously EUR 20.00). EUR 25 is above industry average (industry average is arguably around USD 15.00). jedoch, when ordering a card from Bitnovo you will receive it in only 5 working days. This is very impressive indeed and is a possible explanation for the somewhat higher issuance fee.
ATM-usage results in a fixed fee of EUR 1.00 on the withdrawn amount.
Schließlich, die wichtigste Gebühr von allen, the commission on top-up/spending. Bitnovo charges you 5.00% for topping up your card, so this corresponds to a spending commission in all material respects. We have included this as the spending commission in our database. This spending commission is unfortunately quite high if you compare it with industry average. As a comparison, Binance Card only charges you 0.90% and Wirex Card charges you 1.50%.