How does Stackback work?
Stackback is a reward program linked to the Bitstack card. With each eligible purchase, a fraction of the amount spent is converted into bitcoin and credited directly to your account.
All Bitstack cardholders receive 0.1% Stackback on eligible purchases — no conditions, no activation required (minimum of 1 satoshi per eligible transaction).
If you activate a recurring Bitcoin savings plan, your Stackback increases 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.
Which savings plans unlock a higher Stackback?
Only recurring Bitcoin savings plans unlock the 1% rate:
Daily, weekly, or monthly recurring purchases
The following do not unlock a higher Stackback:
One-time purchases
Sell orders
Round-Ups
How does the 1% Stackback limit work?
Your recurring savings determine the share of your monthly spending that benefits from the 1% Stackback rate.
In other words: think of it as a monthly counter that resets to zero each month. As long as you haven't reached your spending cap, every eligible purchase earns you 1% back in bitcoin. Once that cap is reached, the rate automatically drops to 0.1% for the rest of the month. This cap is directly linked to your monthly recurring savings: the more bitcoin you save each month, the higher your cap.
If you opt for a daily or weekly recurring plan, refer to the minimum amounts in the table below. They are calculated based on a 28-day month (daily) or 4 weeks (weekly), ensuring you reach the right tier even in shorter months.
Monthly recurring savings | Minimum weekly amount | Minimum daily amount | 1% Stackback on the first… |
€60 – €99 | €15 | €2.15 | €200 spent |
€100 – €199 | €25 | €3.58 | €350 spent |
€200 – €399 | €50 | €7.15 | €700 spent |
€400 and above | €100 | €14.29 | €1,500 spent |
Once this cap is reached, Stackback automatically reverts to 0.1% for the rest 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 at ATMs or bank counters
Payments intended to fund accounts
Gambling-related transactions or cash-equivalent operations (e.g. purchasing casino tokens, money orders)
Certain transfers or investment operations that are not standard card purchases
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 starts on card activation and lasts at least 30 days), your Stackback level is based on the monthly equivalent of your active savings plan.
If you update your plan during this period, your level adjusts accordingly.
If the 30th day falls mid-month, the first-month rules apply until the end of the following calendar month.
After that, your Stackback level for a given month is determined by your recurring savings amount from the previous calendar month.
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 savings habits.