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Bit2Me review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bit2Me suits crypto holders who want a high earn rate without a monthly charge, and who can live with a variable return plus a pool option that locks funds. The Earn account carries a monthly fee of €0, and balances sit under EU DGS up to EUR 100,000.

Key facts

Best for
Crypto holders in the EU who want a high variable earn rate and pay no monthly fee.
Headline rate
0.5% to 19.2%↗
Rate type
Variable↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Flexible: add or withdraw Earn balances anytime for most cryptoassets; the B2M Farming Pool requires a 12-month lock; rewards compound automatically↗
Monthly fee
€0↗
Account kind
Easy access↗
Legal entity
Bitcoinforme S.L.↗
Headquarters
Spain↗
Founded
2014↗
Support channels
Phone, Help-centre, Community↗
Pricing model
No monthly fee
Official website
bit2me.com

Everyday accounts

Currency conversion fee
0.95%↗
Currencies
300↗
Transfer fee
Free between Bit2Me users via Bit2Me Pay↗
Features
Digital-only

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
XLinkedInt.me

Pros and cons

Pros

  • A monthly fee of €0 means the Earn account costs nothing to keep open month to month.
  • Rewards run 0.5% to 19.2%, above the 24.19% listed by Plazo ES and the 21.59% listed by AXI Card Tarjeta y Credito.
  • Balances sit under EU DGS up to EUR 100,000, and the firm is listed with Banco de Espana under 6947.
  • The account kind is easy access: most cryptoassets can be added or withdrawn at any time and rewards compound automatically.
  • Moving balance to another Bit2Me user costs nothing, Free between Bit2Me users via Bit2Me Pay.

Cons

  • The rate is variable, so the return can drop and there is no fixed figure to plan around.
  • The Farming Pool locks deposits for a set period, which suits only money that can stay untouched.
  • Service is digital only, so everything runs through the app and the site with no branch counter.
  • Support runs on phone, help centre and community, with no live chat listed among the routes for a quick answer.
Bit2Me

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Scored 8.8 / 10 by VaultCue.

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Who it suits

  • Crypto holders in the EU who want a high earn rate with nothing taken monthly, and who are comfortable with a variable return.
  • People who pass money between Bit2Me users, since that transfer is Free between Bit2Me users via Bit2Me Pay.
  • Savers who value the protection of EU DGS up to EUR 100,000 and hold most of their balance in crypto.

Who should look elsewhere

  • Anyone chasing a fixed rate: Plazo ES lists 24.19%, while the Bit2Me rate is variable and can move.
  • People after a card relationship rather than a crypto earn balance: AXI Card Tarjeta y Credito lists 21.59%, and Bit2Me is digital only.
  • Those wanting a simple single market balance: PayPal Colombia lists 3.3%, while Bit2Me spans 300 assets.

Rates and terms

The Earn account pays a variable reward, and the listed range runs 0.5% to 19.2%. The rate type is variable, so the figure is not tied to a set term and can move as the market and the chosen asset change. Because the rate is current rather than promised, a saver working towards a target should treat it as a present rate on an open balance, not a locked-in figure. The spread inside the range is wide, so the asset held matters as much as the provider.

Safety of your money

Balances held with Bit2Me carry deposit protection of EU DGS up to EUR 100,000. The company sits inside the Spanish regulatory system through separate entries: the CNMV shows an authorisation resolution, Authorisation resolution of 28 July 2025, and Banco de Espana lists the firm under 6947. The crypto side is registered too, with a MiCA CASP authorisation, MiCA CASP 9598007R5LSUJLGLS853.

Access to your money

The Earn balance is easy access: most cryptoassets can be added or withdrawn at any time, and rewards compound automatically without action from the holder. The Farming Pool is the alternative, and it locks deposits for a set period, so it suits someone comfortable leaving funds untouched. Since the rate is variable, what the balance earns can change while it sits there, which is worth weighing against the convenience of moving in and out freely.

Regulation and registers

The records show a banking supervisor and a markets supervisor in Spain. The CNMV entry is an authorisation resolution, Authorisation resolution of 28 July 2025, and Banco de Espana carries a listing under 6947. Alongside those sits the crypto register, which shows a MiCA CASP authorisation, MiCA CASP 9598007R5LSUJLGLS853. That last entry is the one relevant to digital asset services, while the Spanish bank listing underpins the deposit side.

Who runs it

Bit2Me runs as Bitcoinforme S.L., with its headquarters in ES and a founding year of 2014. Support runs on phone, help centre and community. The same supervisors appear behind the service: an authorisation resolution from the CNMV, Authorisation resolution of 28 July 2025, a Banco de Espana listing, 6947, and the MiCA CASP registration, MiCA CASP 9598007R5LSUJLGLS853.

How Bit2Me compares

Where Bit2Me is available

Available
Argentina, Austria, Belgium, Brazil, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Licence in Spain
CNMV (Comision Nacional del Mercado de Valores) (Authorisation resolution of 28 July 2025), checked September 26, 2026
Licence in Spain
Banco de Espana (6947), checked September 26, 2026
Licence in Spain
Comision Nacional del Mercado de Valores (CNMV) (MiCA CASP 9598007R5LSUJLGLS853), checked September 26, 2026, also valid in Spain, Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Bit2Me Earn cost to hold?+

The Earn account has a monthly fee of €0, so nothing is taken out each month while the balance sits there. Converting currency is the main charge, at 0.95%. Moving balance to another Bit2Me user is also free, Free between Bit2Me users via Bit2Me Pay.

What rate will I earn and can it change?+

The listed range runs 0.5% to 19.2%, and the rate type is variable, so the return can move rather than staying fixed for a term. The figure you get depends on the asset held and on market conditions at the time.

Is my money protected?+

Deposit protection applies, with EU DGS up to EUR 100,000 stated in the terms. The firm is authorised by the CNMV, resolution Authorisation resolution of 28 July 2025, and listed with Banco de Espana under 6947. The crypto side is registered as a MiCA CASP, MiCA CASP 9598007R5LSUJLGLS853.

How do I get money in and out of Earn?+

You can add or withdraw Earn balances at any time for most cryptoassets, and rewards compound automatically, though the return is variable and can change as you hold. The Farming Pool is the exception, locking deposits for a set period, so plan around that before committing funds.

What kind of account is this?+

It is an easy access earn account, easy access, sitting inside a wider crypto platform. Rewards compound on their own, most balances can be moved whenever the holder wants, and the Farming Pool is the locked option for savers who prefer to leave funds alone.

Which assets can I hold and earn on?+

The platform lists 300 assets, so the choice of what to hold is wide. Because the rate is variable, the return is tied to each asset and the market rather than set by the platform as one figure, which is why the listed range spans such a broad spread.

Who is Bit2Me Earn suited to?+

It suits crypto holders in the EU who want a high earn rate with nothing taken monthly, and who can accept a variable return. Balances sit under EU DGS up to EUR 100,000, and the company operates as Bitcoinforme S.L. from ES.

Can I reach someone if a balance goes wrong?+

Support runs on phone, help centre and community, so those are the routes listed for questions. The service is digital only, which means help is arranged through the app and the site rather than a branch counter, and a phone call is one of the options offered.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Minimum deposit.

Bit2Me

Bit2Me

Crypto holders in the EU who want a high variable earn rate and pay no monthly fee.

8.8/10See alternatives