Bitget Wallet Card

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Bitget Wallet Card scores 7 of 16 on the CBL Card Score. Bitget Wallet, Visa and Mastercard. Separate card account, custody not stated. Immersve, DCS and Fiat24 by region, no licensed issuer named for Europe.

Health Check · checked 29 September 2026

Watch. Card issued through non-bank partners that change by region (Immersve in Europe and Latin America, DCS Card Centre in Asia, Fiat24 in mainland China). The card balance sits in a separate account with no stated segregation, and no proof of reserves is published (third-party).

CBL Card Score: 7 of 16

Criterion	Points	What we found	Source
Custody	0 of 2	The wallet is self-custodial, but the card runs from a separate card account (official). Third parties describe that account as custodial, held for the user (third-party: SpendNode; cardpilled, 25 Sept 2026). No statement on how the card account is held or whether funds are segregated.	third-party checked 29 September 2026
Issuer and licence	1 of 2	Partners named by region: Immersve for Europe and Latin America, DCS Card Centre in Asia, Fiat24 in mainland China (official, Bitget Wallet Academy, 31 July 2026). Immersve is a Mastercard principal member and a registered Financial Services Provider (official, launch release). No bank or e-money institution named with its licence for the European card.	official checked 29 September 2026
Availability	1 of 2	EEA and UK, Latin America (nine countries), Asia-Pacific, South Africa, Pakistan and Bangladesh (official). The UAE and Saudi Arabia are not on the published list (official; third-party: SpendNode). The live country list is set in the app (official).	official checked 29 September 2026
FX fee on a foreign-currency purchase	1 of 2	No spread taken on exchange rates, settlement rates close to Google's live rate, and card and conversion fees covered inside a monthly allowance (official). Beyond the allowance, a 1.7% fee is reported (third-party: SpendNode; Paymentscan). The allowance is $400 a month on the standard virtual card (third-party: cardpilled). Scored 1: free inside the allowance, above the 1.5% band beyond it.	official checked 29 September 2026
Funding cost	1 of 2	Stablecoin top-up in USDT or USDC (official); fees inside the monthly allowance covered by the assetback reward, standard fees beyond it (official). No annual or monthly card fee (official). Virtual card activation 0.1 USDC within 72 hours of identity approval, 10 USDC after that (third-party: cardpilled). Physical card $49, Asia-Pacific only (third-party: cardpilled).	official checked 29 September 2026
Apple Pay and Google Pay	2 of 2	Apple Pay and Google Pay, plus PayPal and Alipay (official).	official checked 29 September 2026
Freeze and dispute policy	0 of 2	No published freeze, suspension or dispute policy found on Bitget Wallet's card pages (official). An in-app toggle lets the user freeze the card (third-party: SpendNode).	official checked 29 September 2026
Yield on idle balance	1 of 2	Yield on idle wallet balances offered as an optional incentive (official, launch release). A stablecoin Earn product reported at 10% APY for the first 30 days on up to $5,000, then about 4% (third-party: cardpilled). Lock and eligibility terms not confirmed.	official checked 29 September 2026

Total 7 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

29 September 2026

7 of 16

First score

Standing

Company	Bitget Wallet, the self-custodial wallet app formerly called BitKeep, run as a separate legal entity from the Bitget exchange (third-party: SpendNode, 6 Aug 2026). The legal entity behind the card is not named on the card pages (official).
Network	Visa and Mastercard (official). Mastercard through Immersve in Europe (official, launch release, 4 July 2025); Visa through DCS Card Centre in Asia (third-party: SpendNode). official
Rails	Bitget Wallet names its partners by region: Immersve for Europe and Latin America, DCS Card Centre in Asia, Fiat24 in mainland China (official, Bitget Wallet Academy, 31 July 2026). Third parties also report UR as an issuer and ReapPay Europe Limited on some European documents (third-party: Paymentscan; cardpilled, 25 Sept 2026).
Card spend, August 2026	$2.1M, tracked onchain by Paymentscan (third-party). Not part of the Card Score. Counts spends on UR-issued cards and settlements with Immersve only.
Website	web3.bitget.com/en/card
Health tag	Watch Card issued through non-bank partners that change by region (Immersve in Europe and Latin America, DCS Card Centre in Asia, Fiat24 in mainland China). The card balance sits in a separate account with no stated segregation, and no proof of reserves is published (third-party).
Last checked	29 September 2026

When it goes wrong

No published freeze, suspension or dispute policy found on Bitget Wallet's card pages (official). An in-app toggle lets the user freeze the card (third-party: SpendNode).

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	No spread taken on exchange rates, settlement rates close to Google's live rate, and card and conversion fees covered inside a monthly allowance (official). Beyond the allowance, a 1.7% fee is reported (third-party: SpendNode; Paymentscan). The allowance is $400 a month on the standard virtual card (third-party: cardpilled). Scored 1: free inside the allowance, above the 1.5% band beyond it. official
Funding	Stablecoin top-up in USDT or USDC (official); fees inside the monthly allowance covered by the assetback reward, standard fees beyond it (official). No annual or monthly card fee (official). Virtual card activation 0.1 USDC within 72 hours of identity approval, 10 USDC after that (third-party: cardpilled). Physical card $49, Asia-Pacific only (third-party: cardpilled). official
ATM	1%, minimum $5, physical card only (third-party: cardpilled).
Tiers	Base and Booster (third-party: cardpilled).

Cashback, as of 29 Sept 2026

2% assetback by default, up to 3% for new users or after $200 to $400 of monthly spend, paid in BTC, gold, US stocks or USDC by the user's choice; some merchant categories excluded (official). Eligible spend capped at $400 a month (third-party: cardpilled).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

EEA and UK, Latin America (nine countries), Asia-Pacific, South Africa, Pakistan and Bangladesh (official). The UAE and Saudi Arabia are not on the published list (official; third-party: SpendNode). The live country list is set in the app (official). official

Identity checks: Government ID upload and identity check in the app (official).

What we still need confirmed

Facts marked official come from Bitget Wallet's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

Cardholder terms for the European card: which company issues it (Immersve, or ReapPay Europe Limited as reported by a third party) and under which licence. Rescore issuer to 2 if a bank or e-money institution is named with its licence. open
How the card account is held. Rescore custody to 1 if segregation of client funds is stated, 2 if the card spends from a contract the user owns. open
FX beyond the monthly allowance on an official fee page for Europe. Rescore FX to 2 if foreign-currency purchases carry no fee at any volume, 0 if the fee is above 1.5% and there is no allowance. open
Virtual card activation fee for Europe on an official page. open
The UAE and Saudi Arabia on the in-app country list. Rescore availability to 2 if either is served. open
Freeze, suspension and dispute policy in the help centre or cardholder terms. Rescore freeze to 1 or 2 by the bands. open
Earn terms: lock and eligibility. Rescore yield to 2 if flexible with no paywall. open
Security history of Bitget Wallet, formerly BitKeep, for the health tag. open

Sources

Bitget Wallet Card page official · checked 29 September 2026 Bitget Wallet Academy, how to apply for the Bitget Wallet Card, 31 July 2026 official · checked 29 September 2026 Bitget Wallet launch release with Mastercard and Immersve, 4 July 2025 official · checked 29 September 2026 cardpilled review, verified 25 Sept 2026 third-party · checked 25 September 2026 SpendNode review, 6 Aug 2026 third-party · checked 6 August 2026

Paymentscan, Bitget Wallet card page third-party · checked 29 September 2026

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