How does Stackback work?
Stackback is a rewards program linked to the Bitstack Card. For every eligible purchase, you receive a fraction of the amount spent converted into bitcoin, credited as soon as your purchase is fully settled.
All Bitstack Card holders benefit from 0.1% Stackback on their eligible purchases, with no conditions and no prior activation required (minimum of 1 satoshi per eligible transaction).
If you save in bitcoin regularly through Recurring Buys and/or Round-Ups, your Stackback can increase to 1% on a portion of your monthly spending. The more you save, the larger the share of your spending covered by the 1% rate.
New as of August 10:
Starting August 10, Round-Ups are also taken into account when determining your Stackback tier. They are added to the Recurring Buys that were actually executed during the previous calendar month.
This means your Stackback tier now depends on your total automatic savings: executed Recurring Buys + executed Round-Ups.
Which savings unlock a higher Stackback?
The 1% rate can be unlocked based on the amounts actually executed through:
Daily, weekly or monthly Recurring Buys;
Round-Ups.
The following do not unlock a higher Stackback:
one-time purchases;
sell orders;
failed, cancelled or non-executed Recurring Buys or Round-Ups.
How does the 1% Stackback limit work?
Your automatic savings determine the portion of your monthly spending that qualifies for the 1% Stackback rate.
In other words, each month you can spend up to a certain amount with your card and receive 1% of those purchases back in bitcoin. This limit depends on the total amount of bitcoin automatically saved. The more you save automatically, the more you can spend at the 1% rate before your Stackback returns to 0.1%.
The automatic savings taken into account correspond to the sum of:
executed Recurring Buys;
executed Round-Ups.
To determine your Stackback tier, we add together the Recurring Buys and Round-Ups that were actually executed during the previous calendar month. The total determines the spending limit eligible for 1% Stackback during the following month.
Automatic savings executed during the previous month | Weekly Recurring Buy example | Daily Recurring Buy example | 1% Stackback on the first... |
€60–99 | €15/week | €2.15/day | €200 spent |
€100–199 | €25/week | €3.58/day | €350 spent |
€200–399 | €50/week | €7.15/day | €700 spent |
€400+ | €100/week | €14.29/day | €1,500 spent |
The daily and weekly amounts are provided as guidance for Recurring Buys. Executed Round-Ups are also added to the total monthly amount taken into account.
Beyond this limit, Stackback automatically continues at 0.1% for the remainder of the month.
Which transactions do not generate Stackback?
Stackback applies to card payments, but not all transactions are eligible.
Transactions that are generally not eligible include:
peer-to-peer (P2P) payments or account top-ups (e.g. sending money to friends or funding another app);
cash withdrawals from ATMs or bank counters;
payments intended to fund accounts;
transactions related to gambling (casinos, sports betting, lotteries) or cash equivalents (foreign currency purchases, money orders, traveller's cheques);
loan repayments or payments to financial institutions;
payments to government or public authorities (taxes, fines, official postal services, etc.);
certain transfers or investment transactions that are not standard card purchases: purchases of securities or brokerage transactions made using the card (buying shares, bonds or fund units).
For very small amounts, Stackback is always rounded up to a minimum of 1 satoshi (0.00000001 BTC) per eligible transaction.
How is Stackback calculated each month?
During your first month—which begins when your card is activated and lasts at least 30 days—your Stackback tier is based on the monthly equivalent of your active automatic savings.
If you change your plan during this period, your tier is updated accordingly.
If the 30th day falls in the middle of a month, the first-month rules continue to apply until the end of the following calendar month.
After that, your Stackback tier for a given month is determined by the total amount of your automatic savings that was actually executed during the previous calendar month. This includes both executed Recurring Buys and executed Round-Ups.
Why is Stackback designed this way?
Because Bitstack rewards financial discipline, not just spending.
Saving regularly allows you to earn more bitcoin and build long-term saving habits.