Bitsa Card Pro Plan: what’s included and the price in 2026
The Bitsa Card Pro Plan is the top tier of the three available plans, built for anyone moving money frequently who wants as few operational limits as possible: up to 4 virtual cards and 4 physical ones, no maximum balance, unlimited SEPA recharges and transfers, and up to 15% cashback at selected brands.
This guide details exactly what’s included, which fees still apply even though the plan is “unlimited” in several areas, and how it compares to the Free and Move plans to help decide if the upgrade is worth it.
What the Pro Plan includes
Against the Free plan (1 virtual card, 1 physical, €2,500 maximum balance) and the Move plan (2 cards of each type, €15,000 maximum balance), the Pro Plan raises the card count to 4 virtual and 4 physical, and removes the balance cap entirely: there’s no maximum balance.
The purchase limit rises to €15,000, against €1,500 on Free and €5,000 on Move. Recharges, whether by transfer or external card within the limits described below, stop being capped by daily, monthly or annual amount.
Cards: how many and what they cost
The plan allows up to 4 virtual and 4 physical cards active simultaneously, each with its own independent balance, useful for separating personal spending, business spending and subscriptions across different cards without mixing funds.
Issuing each card carries its own cost per the current fee schedule: €20 for a physical card and €2.50 for a virtual one. It’s worth checking the updated table before requesting all four if the goal is maximising active cards without surprises on cost.
Unlimited recharges and transfers
Recharges via external card are capped at 4 a day, 15 a month and 180 a year, of which 4 a month are free; the rest on that channel carry a 1.5% fee. The recharge limit via external card is €400 a day.
SEPA transfers have no amount limit or fee on the Pro Plan, under the SEPA scheme rules, with 2 free SEPA Instant transfers included; further SEPA Instant transfers and transfers to an entity other than the same account holder or Pecunpay carry a fee per the current general terms.
Fees that still apply: ATM and currency exchange
The Pro Plan doesn’t remove every fee. International payments outside the eurozone carry a 1.75% fee, and 2% in the rest of the world. At the ATM, within the eurozone the fee the ATM operator itself charges is passed through; outside the eurozone and in the rest of the world, the fee is €0.55 plus 1% of the amount, with a €0.75 minimum, and withdrawals outside Spain are capped at €450 a day.
These fees are general conditions that apply across every plan, not exclusive to Pro; what changes between plans is the purchase and recharge limit, not the ATM or currency exchange cost.
Cashback, eSIM and crypto recharge
The Pro Plan includes up to 15% cashback on purchases at selected brands, the option to set up an eSIM directly from the app to travel without relying on roaming, and crypto recharge, capped at €20,000 a day for that channel, subject to the applicable voucher redemption or recharge fee depending on the operation (between 0% and 6%).
Price and how to change plan
The Pro Plan costs €9.99 a month or €69.99 a year; the annual option pays off if the plan is kept for more than seven months. Switching between plans, from Pro to Move or Free and back, happens directly from the app without contacting support, though it’s worth checking the balance and active cards first, since maximum balance limits drop on lower plans. The remaining balance stays protected through fund segregation under supervision of the Bank of Spain.
For the full Bitsa plans comparison table with every current figure, the official page keeps Free, Move and Pro up to date. Anyone wanting a lighter option can also check the virtual prepaid card, or the general prepaid visa card page for context on the base product.
Frequently asked questions about the Bitsa Pro Plan
How many cards does the Pro Plan include?
Up to 4 virtual and 4 physical cards, each with an independent balance. Issuing a physical card costs €20 and a virtual one €2.50 per the current fee schedule.
What fee applies when withdrawing at an ATM outside the eurozone?
€0.55 plus 1% of the amount withdrawn, with a €0.75 minimum. Withdrawals outside Spain are also capped at €450 a day, regardless of plan.
Are SEPA transfers really free on the Pro Plan?
Yes for standard SEPA transfers with no amount limit, with 2 free SEPA Instant transfers included. Transfers to an entity other than the same account holder or Pecunpay carry a fee per the general terms.
Can I switch from Pro to Free or Move whenever I want?
Yes, the switch happens from the app at any time. Worth checking the loaded balance and active card count first, since lower plans have lower maximum balance limits.
Does the Pro Plan allow crypto recharge?
Yes, capped at €20,000 a day for that channel. The applicable fee varies between 0% and 6% depending on the operation type.