這篇文章將涵蓋周圍最受歡迎的主動比特幣借記卡，這意味著可以加載比特幣的借記卡。

一些加密懷疑論者的擔憂之一是，實際使用您的比特幣來購買東西是太難了。值得慶幸的是，比特幣借記卡存在，並輕鬆允許人們使用比特幣支付日常交易。

One of the concerns for some crypto skeptics is that it is too hard to actually use your Bitcoin to purchase things. However, this isn’t really an issue.

一些加密懷疑論者的擔憂之一是，實際使用您的比特幣來購買東西是太難了。但是，這並不是真正的問題。

Crypto debit cards exist and easily allow people to use their Bitcoin to pay for everyday transactions.

存在加密借記卡，並輕鬆允許人們使用比特幣支付日常交易。

What Are Bitcoin Debit Cards?

什麼是比特幣借記卡？

Bitcoin debit cards are cards that you can use to pay for your regular transactions using your Bitcoin balance. They can be used at any store or website that accepts regular debit bank cards. There are often fees that apply and can vary depending on the card, but it may be worth it for the convenience of more easily spending your crypto balance in the real world.

比特幣借記卡是您可以使用比特幣餘額來支付常規交易的卡。它們可以在接受常規借記銀行卡的任何商店或網站上使用。通常會收取費用，並且可能會根據卡而有所不同，但是對於更輕鬆地將您的加密貨幣平衡在現實世界中花費的便利可能是值得的。

Over the last few years, Visa and Mastercard have made a big push to engage with cryptocurrency companies offering cryptocurrency cards for various exchanges and vendors.

在過去的幾年中，Visa和Mastercard竭盡全力與為各種交易所和供應商提供加密貨幣卡的加密貨幣公司互動。

If you’re an EU resident, you’re probably best off using the Coinbase Card, a Visa card that can be ordered from within the Coinbase mobile app. If you’re an EU resident, but Coinbase doesn’t support your country, you can try Wirex as a great alternative. For US residents, we’d recommend either the Coinbase Card or the BitPay card (which has been in the US for a little longer).

如果您是歐盟居民，最好使用Coinbase卡，這是可以從Coinbase移動應用程序中訂購的簽證卡。如果您是歐盟居民，但Coinbase不支持您的國家，則可以嘗試Wirex作為一個很好的選擇。對於美國居民，我們建議使用Coinbase卡或Bitpay卡（在美國已經使用了更長的時間）。

How Do Crypto Debit Cards Work?

加密借記卡如何工作？

Crypto debit cards function similarly to traditional debit cards but are linked to a user’s cryptocurrency wallet instead of a bank account. When making a purchase, the card provider (such as Coinbase, Crypto.com, or Wirex) converts the user’s crypto holdings into fiat currency (e.g., USD, EUR) in real-time, allowing the transaction to be processed seamlessly at any merchant that accepts Visa or Mastercard. Some cards also offer cashback rewards in Bitcoin or other cryptocurrencies, making them an attractive option for crypto enthusiasts who want to use their digital assets for everyday spending.

加密借記卡的功能與傳統藉記卡相似，但與用戶的加密貨幣錢包而不是銀行帳戶鏈接。進行購買時，紙牌提供商（例如Coinbase，crypto.com或wirex）將用戶的加密貨幣實時轉換為法定貨幣（例如，USD，EUR），允許在任何接受Visa或MasterCard的商人中無縫處理交易。有些卡還提供比特幣或其他加密貨幣的現金返還獎勵，使其成為想要將其數字資產用於日常支出的加密愛好者來說是一個有吸引力的選擇。

If you’re asking yourself, “are crypto debit cards safe?”, the answer is yes.

如果您問自己：“加密借記卡安全嗎？”，答案是肯定的。

Crypto debit cards are generally secure as long as users follow proper security measures, such as enabling two-factor authentication (2FA) and keeping their private keys safe. Since most reputable providers issue cards in partnership with established payment networks like Visa and Mastercard, users benefit from their extensive fraud protection and global acceptance. Both Visa debit card and Mastercard debit card options for crypto users provide widespread acceptance, allowing seamless transactions at millions of merchants worldwide. These payment giants have increasingly embraced digital assets, partnering with crypto platforms to offer secure and user-friendly solutions for spending Bitcoin and other cryptocurrencies in everyday life.

只要用戶遵循適當的安全措施，例如啟用兩因素身份驗證（2FA）並確保其私鑰安全，通常會安全。由於大多數信譽良好的提供商與已建立的付款網絡（如Visa和MasterCard）合作發行卡片，因此用戶從廣泛的欺詐保護和全球接受中受益。加密用戶的Visa借記卡和萬事達卡借記卡選項都可以廣泛接受，從而允許全球數百萬人的無縫交易。這些付款巨頭越來越擁抱數字資產，與加密平台合作，為在日常生活中花費比特幣和其他加密貨幣提供安全和用戶友好的解決方案。

However, users should be aware of potential fees, regulatory changes, and the volatility of crypto prices, which could impact the value of their funds when making transactions.

但是，用戶應了解潛在的費用，監管變化以及加密價格的波動，這可能會影響交易時資金的價值。

Does Bitcoin Have a Debit Card?

比特幣有借記卡嗎？

No, it doesn't. Any single centralized party doesn’t control Bitcoin, so it can’t issue its own debit card. However, you can get a third-party prepaid debit card that you can load with Bitcoin and then use to buy almost anything.

不，不是。任何單一的集中派對都不能控制比特幣，因此無法發行自己的借記卡。但是，您可以獲得可以加載比特幣的第三方預付借記卡，然後用來購買任何東西。

While many businesses don’t accept payments in Bitcoin (yet), most accept debit cards. With a Bitcoin debit card, merchants get paid in their own currency while you are charged in Bitcoin from your prepaid balance.

儘管許多企業尚未接受比特幣的付款，但大多數企業都接受借記卡。使用比特幣借記卡，商人從預付餘額中收取比特幣時會以自己的貨幣付款。

Keep in mind there are downsides. Firstly, when using a Bitcoin debit card, you’re basically giving someone else control over your coins (at least the ones you’ve deposited).

請記住有缺點。首先，當使用比特幣借記卡時，您基本上會給其他人控制硬幣（至少您存放的硬幣）。

Secondly, this service usually comes with a price. Every payment you make will often involve processing and conversion fees for paying with a foreign currency.

其次，這項服務通常帶有價格。您進行的每筆付款通常都涉及使用外幣支付的處理和轉換費。

Best Bitcoin Debit Cards

最好的比特幣借記卡

Despite many crypto debit card issuers having their services suspended in 2018 by Visa, the payments sector has become more crypto-friendly again since then. Both Visa and Mastercard have now started initiatives to work with crypto companies, allowing more firms to issue their own crypto-funded debit cards.

儘管有許多加密借記卡發行人的服務在2018年被Visa暫停，但自那時以來，付款部門再次變得更加友好。 Visa和MasterCard現在已經開始與加密公司合作的計劃，使更多公司可以發行自己的加密貨幣資助卡。

Here’s a look at some of the best Bitcoin debit cards available today:

這是當今可用的一些最好的比特幣借記卡：

Coinbase Bitcoin Debit Card

Coinbase比特幣借記卡

Pros: Multiple coins supported, established company, widely available

優點：多枚硬幣支持，建立的公司，廣泛可用

Cons: High chargeback fees

缺點：高收款費用

This is our top option for most people, as this is the easiest and most convenient card to use, despite its higher than average chargeback fees. Moving past the fees, we believe the Coinbase debit card is the best Bitcoin debit card available today.

對於大多數人來說，這是我們的最佳選擇，因為這是最簡單，最方便的卡，儘管其高於平均水平的費用高。超越費用，我們認為Coinbase借記卡是今天可用的最好的比特幣借記卡。

Coinbase, one of the leading Bitcoin exchanges around, issues its own Visa debit card for the UK, broader Europe, and the US.

Coinbase是周圍領先的比特幣交易所之一，它為英國，更廣泛的歐洲和美國發行了自己的簽證借記卡。

The card is linked to your Coinbase account and allows you to easily spend crypto held on Coinbase anywhere that accepts Visa payments.

該卡鏈接到您的Coinbase帳戶，並允許您輕鬆地花費在接受簽證付款的任何地方的Coinbase上。

Choosing which cryptocurrency you’re spending can be managed through the Coinbase app, which is available both on Android and iOS. The card also offers multiple security features, such as two-factor authentication, instant freeze, and more.

選擇您支出的加密貨幣可以通過Coinbase應用程序進行管理，Coinbase應用程序既可以在Android和iOS上使用）進行管理。該卡還提供了多個安全功能，例如兩因素身份驗證，即時凍結等等。

Coinbase claims to charge no transaction fees to cardholders from the US. However, there is a spread that applies each crypto-to-fiat conversion behind the scenes – this is variable and could be

Coinbase聲稱不向美國的持卡人收取任何交易費用。但是，有一個差異應用於幕後的每個加密轉換 - 這是可變的，可以是