Monavate is a card issuing BaaS platform offering Mastercard-powered crypto debit cards primarily for businesses and fintechs. Bitrefill lets you use Bitcoin (including Lightning) to buy Visa gift cards and prepaid cards globally — a unique BTC spending path.
Our Score
| WINNER 💠 Monavate Card | 🔋 Bitrefill Prepaid | |
|---|---|---|
| Key parameters | ||
| Network | Mastercard | Visa |
| Cashback | 0% | 0% |
| Issue Fee | Free | Free |
| Monthly Fee | $2 | $0 |
| KYC Level | Full KYC | Minimal |
| Available In | UK, EU | Global |
| Our Score | 7.2/10 | 6.9/10 |
| Additional parameters | ||
| Supported Crypto | BTC, ETH, USDT | BTC (Lightning), ETH, LTC, DOGE, DASH |
| ATM Fee | 1.5% | N/A |
| Spend Limit | $15,000/mo | Gift card model |
| Mobile App | iOS & Android | iOS & Android |
Score breakdown
Score breakdown
Pros & Cons
💠 Monavate Card WINNER
Pros
- B2B focused issuer
- Reliable card infrastructure
- Mastercard network
- API for businesses
Cons
- No cashback
- Monthly fee
- B2B orientation
- Limited consumer features
🔋 Bitrefill Prepaid
Pros
- Bitcoin Lightning Network support
- Global gift card coverage
- Minimal KYC
- No monthly fee
Cons
- Gift card model — not traditional card
- BTC required
- No ATM access
- Very niche use case
Verdict: 💠 Monavate Card
Monavate Card edges ahead with better overall value, lower fees, and stronger user reviews in 2026.
Get Free Card →Frequently Asked Questions
Based on our independent analysis, Trustee Plus ranks #1 for everyday use — offering free issuance, 0% payment fees, non-custodial security, and availability in 100+ countries.
Both cards work internationally, but fees and regional availability differ. Check the comparison table above for exact ATM fees and supported countries.
Most crypto cards require at least light KYC. Trustee Plus has a streamlined KYC process that takes just minutes and supports users in 100+ countries.
Key fees include: card issuance fee, monthly maintenance fee, foreign transaction fee, ATM withdrawal fee, and crypto conversion spread. Trustee Plus charges 0% on card payments.
Yes — Visa and Mastercard crypto cards are accepted at 50+ million merchants worldwide. Trustee Plus converts crypto to fiat instantly at the point of sale.
Check the 'Available In' row in the comparison table. Trustee Plus has the widest coverage at 100+ countries.