Bipa Card
Issued via Stark Bank · Card currency BRL
- Custody
- Custodial
- Network
- Mastercard
- Card types
- Virtual + physical
- Card product
- Secured by crypto
- Wallets
- Apple Pay, Google Pay
Spending is backed by crypto you lock as collateral. No credit check, no interest.
Shipping countries are not published.
Partly verified · 6 of 12 key facts · last checked 22 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
Bipa Card is a crypto card that comes as a virtual and a physical card. Spending is backed by crypto you lock as collateral. No credit check, no interest. It is issued by Stark Bank. Payments run on the Mastercard network. The card currency is BRL.
Funding and spending
The company holds your balance, and the card spends from it. It can be funded with crypto or with fiat money. It can be funded with 2 assets: USDT and BTC.
Fees
It has no physical card issuance fee. The monthly fee is free to BRL 99.90, depending on tier. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the annual fee, foreign currency fee, crypto conversion spread, top-up fee and ATM withdrawal fee yet.
Limits and rewards
It pays 0.5% to 1.5% back on card spend, depending on tier. Rewards are paid in Bitcoin. Every reward rate depends on a condition such as staking, a paid plan or a minimum balance, up to 1.5% back. It works with Apple Pay and Google Pay.
Signing up
Signing up needs full KYC: a government ID document, and sometimes a selfie.
How we check
We last checked this card on 22 Oct 2026, against 6 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Tiers compared
| Fee or limit | Free | Plus | Pro | Max |
|---|---|---|---|---|
| Card issuance | Not verified | Free | Free | Free |
| Monthly fee | Free | BRL 14.90 | BRL 49.90 | BRL 99.90 |
| Back on card spend | Not verified | 0.5% | 1% | 1.5% |
Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Pros and cons of Bipa Card
Pros
- No card issuance fee
- Works with Apple Pay and Google Pay
- Comes as a virtual and a physical card
Cons
- Rewards need a paid plan, a lock or a minimum balance
- Custodial: the issuer holds your funds
- 6 of 12 key facts are not verified yet
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
?
Limits
Rewards
Top-up assets and networks
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Shipping countries are not published, so there is no shipping column.
Rules the issuer states
- o Usuário poderá utilizar seu Cartão no território nacional ou no exteriorChecked 03 Oct 2026agingsource
No country matches your search.
No information for 5 countries yet
Frequently asked questions about Bipa Card
Who issues Bipa Card?
Bipa Card is issued by Stark Bank. Payments run on the Mastercard network.
Is Bipa Card a virtual or a physical card?
Bipa Card comes as both a virtual and a physical card.
Does Bipa Card require KYC?
Signing up needs full KYC: a government ID document, and sometimes a selfie.
Does Bipa Card work with Apple Pay and Google Pay?
It works with Apple Pay and Google Pay.
Which crypto can I use with Bipa Card?
It can be funded with 2 assets: USDT and BTC.
Does Bipa Card pay cashback?
Yes. It pays 0.5% to 1.5% back on card spend, depending on tier. Rewards are paid in Bitcoin.
Sources
- Rewards termsPlanosbipa.appChecked 15 Oct 2026
- Cardholder termsTermos de uso cartão Bipasuporte.bipa.appChecked 15 Oct 2026
- Other official pageComo usar Bitcoin ou USDT como garantia no cartãosuporte.bipa.app
- Other official pageCartãosuporte.bipa.app
- Other official pageComo funciona o Cartão Bipa Respostas para perguntas frequentessuporte.bipa.appChecked 15 Oct 2026
- Other official pageComo adicionar o cartão Bipa ao Apple Pay ou Google Paysuporte.bipa.appChecked 15 Oct 2026
- Other official pageO Cartão Bipa tem versão físicasuporte.bipa.app
- Other official pageComo definir o limite de uso do meu cartãosuporte.bipa.app
- Fees pageQuais são as taxas de negociação de Bitcoin e USDT na Bipasuporte.bipa.app
- Supported countriesPosso abrir uma conta na Bipa se não tenho residência fiscal no Brasilsuporte.bipa.appChecked 15 Oct 2026
- Supported countriesComo abrir minha conta na Bipasuporte.bipa.appChecked 22 Oct 2026