{"id":18085,"date":"2025-12-30T13:05:12","date_gmt":"2025-12-30T13:05:12","guid":{"rendered":"https:\/\/bitsacard.com\/blog?p=18085"},"modified":"2025-12-30T14:57:54","modified_gmt":"2025-12-30T14:57:54","slug":"how-to-convert-bitcoin-to-euros-and-spend-it","status":"publish","type":"post","link":"https:\/\/bitsacard.com\/blog\/en\/how-to-convert-bitcoin-to-euros-and-spend-it","title":{"rendered":"How to convert bitcoin to euros and spend it"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/bitsacard.com\/blog\/en\/cryptocurrencies-for-beginners-a-complete-guide\">You&#8217;ve got Bitcoin<\/a> in your wallet or on an exchange, you watch its value go up and down, but when it comes time to pay for groceries or fill up your car, you&#8217;re not quite sure how to go from &#8220;I have BTC&#8221; to &#8220;<strong>I can buy things<\/strong>.&#8221; You&#8217;re not alone.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this guide, we&#8217;ll look at the main ways to<strong> convert Bitcoin to euros<\/strong> and how you can spend it in your daily life. We&#8217;ll also see how crypto prepaid cards (like Bitsa) work so you can go from having BTC on a screen to paying at any store just like a regular card.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What converting bitcoin to euros means<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Converting Bitcoin to euros means going from a digital asset whose price changes every minute to a stable fiat currency (the euro) <strong>that you can use in the real world<\/strong>: paying in stores, withdrawing cash from ATMs, or transferring to another person&#8230;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">BTC lives on the blockchain. The euro, in your bank account or on your card. When you convert, you&#8217;re basically <strong>selling your Bitcoin and receiving euros in exchange<\/strong> at that moment&#8217;s exchange rate. Almost always when you convert crypto to euros, you&#8217;ll pay something: exchange fee, withdrawal fee, service fee, blockchain network fee&#8230; fees vary depending on the method you use. Times do too\u2014some options are instant, others take hours or days.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And then there&#8217;s the tax side. In many countries, converting Bitcoin to euros is considered a capital gain if you&#8217;ve had profits. You should check your country&#8217;s regulations or consult with a professional if you&#8217;re moving significant amounts.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-18093 size-full\" src=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_btc_to_euro_veryday-sepending.jpg\" alt=\"bitsa_btc_to_euro_veryday-sepending\" width=\"1280\" height=\"853\" srcset=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_btc_to_euro_veryday-sepending.jpg 1280w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_btc_to_euro_veryday-sepending-300x200.jpg 300w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_btc_to_euro_veryday-sepending-1024x682.jpg 1024w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_btc_to_euro_veryday-sepending-768x512.jpg 768w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_btc_to_euro_veryday-sepending-700x466.jpg 700w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Main ways to convert bitcoin to euros in 2026<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In 2026, there&#8217;s no longer a single &#8220;right way&#8221; to go from BTC to euros. What you have is a trade-off between speed, fees, privacy, convenience, and whether you want (or not) to bring your bank into the equation.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Centralized exchanges<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You send your BTC to an exchange, sell BTC for EUR, and then <strong>withdraw those euros to your bank account.<\/strong><\/span><\/p>\n<p><b>Pros:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High liquidity, you can sell quickly<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Many trading pairs available<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Familiar interface<\/span><\/li>\n<\/ul>\n<p><b>Cons:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You need a bank account<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have to go through KYC (identity) verification<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Withdrawals can take several business days<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You depend on the bank accepting the transfer<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It&#8217;s a useful flow if you already have a bank account and don&#8217;t mind waiting a bit.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">P2P platforms and direct sales to other people<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can also sell your BTC directly to another person using<strong> P2P platforms<\/strong>. You send BTC, the other person pays you in euros by bank transfer, payment app, PayPal, whatever you agree on.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The process is usually more manual and requires trusting the platform to mediate the operation. It&#8217;s not for everyone, but it can be quick if you find a buyer. Make sure to use platforms with <strong>escrow systems<\/strong> to avoid scams.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-18097 size-large\" src=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_exchange_flow_pros_cons-1024x683.jpg\" alt=\"bitsa_exchange_flow_pros_cons\" width=\"1024\" height=\"683\" srcset=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_exchange_flow_pros_cons-1024x683.jpg 1024w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_exchange_flow_pros_cons-300x200.jpg 300w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_exchange_flow_pros_cons-768x512.jpg 768w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_exchange_flow_pros_cons-1536x1024.jpg 1536w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_exchange_flow_pros_cons-700x467.jpg 700w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_exchange_flow_pros_cons.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3><span style=\"font-weight: 400;\">Bitcoin ATMs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">BTC ATMs let you <strong>scan a QR code<\/strong>, send Bitcoin, and receive euros in cash on the spot.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It&#8217;s <strong>quick and direct<\/strong>, but it also has its downsides:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fees are usually high (5-10% or more)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There are quantity limits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There aren&#8217;t that many ATMs around<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you need cash now and have one nearby, it can work. But it&#8217;s not the most economical method.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Crypto prepaid cards: convert and spend in one tool<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This is where solutions like Bitsa come in. The concept is simple:<a href=\"https:\/\/bitsacard.com\/blog\/en\/how-to-get-a-debit-card-in-2025-without-the-bank-hassle\"><strong> you top up the card with BTC<\/strong><\/a> or other cryptocurrencies, it automatically converts to euros, and you can spend that balance directly with the card at any store. You don&#8217;t need to go through a bank or make withdrawals\u2014everything stays in the app and<strong> you can pay like with any card<\/strong>.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-17822 size-full\" src=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2021\/01\/Frame-123763.png\" alt=\"bitsa_crypto_prepaid_card\" width=\"700\" height=\"480\" srcset=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2021\/01\/Frame-123763.png 700w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2021\/01\/Frame-123763-300x206.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Ways to pay with cryptocurrencies (with and without Converting to Euros)<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here comes the important part: <strong>paying with crypto<\/strong> doesn&#8217;t always mean the same thing. There are different ways to pay with BTC, and you should look for the one that best suits your needs.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Direct payment at stores that accept crypto<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some stores (especially online, but also physical ones) <strong>accept direct Bitcoin payments<\/strong>. In these cases, you pay from a platform or service that allows sending BTC directly to the merchant. The problem is that <strong>these types of stores are in the minority<\/strong>. The vast majority only accept euros. That&#8217;s why, if you want to use your BTC at any real-world store (supermarkets, gas stations, or standard online shops), the most practical thing is to convert to euros first.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Paying through gift cards and digital vouchers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Another option is to buy<strong> gift cards<\/strong> <strong>with cryptocurrencies<\/strong> on specialized platforms. You buy an Amazon, Carrefour, Decathlon gift card, etc., using BTC and then use that card in the store as normal. The merchant never sees the crypto part, they only see a normal gift card. It&#8217;s very useful for one-off purchases, but it&#8217;s not as convenient as having euros directly.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Paying with cryptocurrencies using crypto prepaid cards<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With a <strong>crypto prepaid card<\/strong> (like Bitsa), you convert your BTC to euros within the app and then pay at any store that accepts Visa or Mastercard. It works just like a debit card: point-of-sale terminals, contactless, online purchases, or ATMs. The difference is you don&#8217;t need a bank account and the source of the balance is crypto. It&#8217;s the closest thing to using a regular card, but spending your satoshis.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If what you&#8217;re looking for is to <strong>use Bitcoin without complicating your life<\/strong>, the third option usually wins by a landslide\u2014it lets you pay at 99% of places where only euros exist.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Advantages of a crypto prepaid card<\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-18206 size-full\" src=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/benefits_bitsa_prepaid_card.jpg\" alt=\"benefits_bitsa_prepaid_card\" width=\"1024\" height=\"819\" srcset=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/benefits_bitsa_prepaid_card.jpg 1024w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/benefits_bitsa_prepaid_card-300x240.jpg 300w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/benefits_bitsa_prepaid_card-768x614.jpg 768w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/benefits_bitsa_prepaid_card-700x560.jpg 700w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">A crypto prepaid card has the advantage of taking away the &#8220;circuit&#8221; of selling, withdrawing, waiting, and then spending.<a href=\"https:\/\/bitsacard.com\/blog\/en\/small-expenses-and-how-a-prepaid-card-can-help-you-tackle-them\"><strong> It&#8217;s a daily use solution<\/strong><\/a>, not just &#8220;whenever I feel like it.&#8221;<\/span><\/p>\n<ul>\n<li><b>You convert and spend in the same flow:<\/b><span style=\"font-weight: 400;\"> top up with crypto \u2192 balance in euros \u2192 pay.<\/span><\/li>\n<li><b>You pay at regular stores:<\/b> supermarket, gas station, Amazon, apps, subscriptions&#8230; the usual stuff.<\/li>\n<li><b>Spending control:<\/b> by converting to euros, you reduce the volatility effect for that money you&#8217;re going to use.<\/li>\n<li><b>Speed:<\/b> depending on the network and confirmations, it can be much faster.<\/li>\n<li><b>One app:<\/b> balance, transactions, virtual card, online payments&#8230; all in the same place.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><strong>This is Bitsa&#8217;s advantage\u2014<\/strong>you don&#8217;t need to sell on an exchange, withdraw to a bank, and then load a card. Everything happens in one movement: you send BTC, it converts to euros, and you can already pay anywhere.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Points to check before choosing a crypto card<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Before deciding on a crypto card, it&#8217;s worth looking at some basic details.<strong> Each card works under different conditions<\/strong>, so you can choose the one that best fits your use.<\/span><\/p>\n<ul>\n<li><b>Fees and costs:<\/b><span style=\"font-weight: 400;\"> check if there&#8217;s a cost for top-up, conversion, ATM withdrawals, or maintenance.<\/span><\/li>\n<li><b>Applied exchange rate:<\/b> sometimes there&#8217;s no &#8220;fee&#8221; as such, but there is a margin in the exchange. What matters is the final cost.<\/li>\n<li><b>Usage limits:<\/b> daily or monthly limits for top-up, spending, or withdrawal. For daily use they&#8217;re usually sufficient, but it&#8217;s good to know them.<\/li>\n<li><b>Available cryptocurrencies:<\/b> which coins it accepts for top-up (BTC, ETH, USDT, etc.) and on which networks.<\/li>\n<li><b>Top-up times:<\/b> some top-ups are almost immediate and others depend on blockchain confirmations.<\/li>\n<li><b>Country availability:<\/b> that it operates where you live and you can use it without friction.<\/li>\n<li><b>Virtual card and online payments:<\/b> useful for online purchases, subscriptions, and quick payments from your phone.<\/li>\n<li><b>Support and app:<\/b> a clear app and decent support make daily use much more comfortable.<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">With these points, comparison is easy\u2014you choose with criteria and avoid surprises from differences in how services work.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-18109 size-full\" src=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_pay-with-crypto_options.png\" alt=\"bitsa_pay-with-crypto_options\" width=\"900\" height=\"540\" srcset=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_pay-with-crypto_options.png 900w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_pay-with-crypto_options-300x180.png 300w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_pay-with-crypto_options-768x461.png 768w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_pay-with-crypto_options-700x420.png 700w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">How Bitsa top-up with bitcoin works<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Bitsa is a <strong>prepaid card<\/strong>. When you top up with Bitcoin, Bitsa generates a unique deposit address for that top-up, and once the transaction is confirmed, the <strong>Bitcoin is converted and the equivalent amount in euros<\/strong> is credited to your card.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The process is simple:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Open the Bitsa app and choose &#8220;<strong>Top up card<\/strong>&#8220;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select &#8220;Cryptocurrency&#8221;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Choose BTC<\/strong> from all available cryptos<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enter the amount you want to send<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Once the transaction is confirmed on the blockchain, Bitsa automatically converts your crypto to euros<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>The euro balance appears in your Bitsa account<\/strong>, ready to spend<\/span><\/li>\n<\/ol>\n<p><i><span style=\"font-weight: 400;\">\u26a0\ufe0f <\/span><\/i><b><i>VERY IMPORTANT:<\/i><\/b><i><span style=\"font-weight: 400;\"> The blockchain network address to send to will change with each transaction. <strong>Don&#8217;t send top-ups to old addresses.<\/strong><\/span><\/i><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-18113 size-full\" src=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_top-up_with-bitcoin_steps.png\" alt=\"bitsa_top-up_with-bitcoin_steps\" width=\"900\" height=\"460\" srcset=\"https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_top-up_with-bitcoin_steps.png 900w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_top-up_with-bitcoin_steps-300x153.png 300w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_top-up_with-bitcoin_steps-768x393.png 768w, https:\/\/bitsacard.com\/blog\/wp-content\/uploads\/2025\/12\/bitsa_top-up_with-bitcoin_steps-700x358.png 700w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Once converted, your balance is in euros. It no longer depends on Bitcoin volatility\u2014those euros are yours and you can spend them whenever you want with your card.<strong> You&#8217;ll be able to use your BTC in your daily life<\/strong>. To pay at the supermarket, subscriptions, online purchases, travel, or any type of transaction you need. <\/span><span style=\"font-weight: 400;\">There are several ways to convert Bitcoin to euros, each with its advantages and disadvantages. You can sell on an exchange and withdraw to the bank, use BTC ATMs, sell P2P, or use crypto prepaid cards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The most practical option for spending in your daily life is to convert to euros first and then use a card that works at any store. That way you forget about looking for stores that accept BTC directly. <\/span><span style=\"font-weight: 400;\">If you want to start using your bitcoins in your daily life, <strong>try topping up your Bitsa card with crypto<\/strong> and pay at any store as usual.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you have Bitcoin but don&#8217;t know how to spend it in your daily life? Converting BTC to euros is easier than it seems. You can use exchanges, ATMs, P2P platforms, or crypto prepaid cards.<br \/>\nThe most practical option is Bitsa: you top up with Bitcoin, it automatically converts to euros, and you pay at any store with Visa. No complications.<\/p>\n","protected":false},"author":29,"featured_media":18089,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-18085","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bitsa-en"],"_links":{"self":[{"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/posts\/18085","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/comments?post=18085"}],"version-history":[{"count":10,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/posts\/18085\/revisions"}],"predecessor-version":[{"id":18234,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/posts\/18085\/revisions\/18234"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/media\/18089"}],"wp:attachment":[{"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/media?parent=18085"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/categories?post=18085"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bitsacard.com\/blog\/en\/wp-json\/wp\/v2\/tags?post=18085"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}