Fiwind Card vs Bitso
The choice depends on your real spending profile: redo the math with your volumes before picking between Fiwind Card and Bitso.
| Fiwind Card | Bitso | |
|---|---|---|
| Tier | C | C |
| Rating | ★ 3.0 | ★ 3.2 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Not disclosed | Free |
| Multi-currency | ARS, USD, BRL, BTC, ETH, USDT, USDC, BNB, DAI, SOL | Yes · 5 currencies |
| Network | Mastercard | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | LATAM | LATAM · 4+ countries |
| Regulator | CNV (Comisión Nacional de Valores) | CNBV (MX), CVM (BR) |
| Segment | B2C | B2C, B2B |
| IBAN | — | condiviso |
| Outbound transfers to third-party IBANs | — | Yes |
| Utility direct billing | — | No |
| SEPA direct debit (SDD) | — | No |
| On-chain crypto withdrawal | — | Yes |
| Interest on balance | — | 5% |
| OAM Italy registration | — | No |
| Regions | LATAM | LATAM |
| Licences & safety | CNV PSAV N°75 (Financewind S.A.) | Money transmitter |
Frequently asked questions
Fiwind Card vs Bitso: which is better?
The choice depends on your real spending profile: redo the math with your volumes before picking between Fiwind Card and Bitso.
Which is cheaper, Fiwind Card or Bitso?
On the standard spending profile Fiwind Card has the lowest net annual cost: €0 versus €0 for Bitso.
Is Fiwind Card custodial or self-custody?
Fiwind Card is custodial: funds are held by the platform, while Bitso is custodial.
Which is better for spending abroad?
For foreign-currency spending Fiwind Card wins, with the lowest FX markup: 0%.