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64
Side-by-side card comparison
ARQ vs Bitpanda: fees, rewards and account setup
Bitpanda Card has the higher Overall Score by 9 points (73 vs 64). Bitpanda Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where ARQ Card may still be the better personal fit.
Information checked Oct 11, 202652 official sources reviewed
01 · Make the first cut
Bitpanda Card is the better all-round starting point
Bitpanda Card has the higher Overall Score in this comparison. ARQ Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallARQ64Bitpanda73Higher score
CashbackARQ40Bitpanda60Higher score
TravelARQ62Bitpanda79Higher score
Funds controlARQ52Bitpanda56Higher score
Lowest feesARQ52Bitpanda67Higher score
TransfersARQ75Bitpanda85Higher score
Choose ARQ Card if its day-to-day setup suits you
ARQ Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose Bitpanda Card if cashback and travel matter most
Bitpanda Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly fee
- Apple Pay and Google Pay
- Crypto and metals payments
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- ARQ64Bitpanda73
Bitpanda Card has the higher Overall Score by 9 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXBitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- ARQ0% base · up to 2%Bitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- ARQCustodial balanceBitpandaCustodial balance
ARQ Card and Bitpanda Card use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayBitpandaVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
ARQ Card lists more stablecoins and ways to send money out (6 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
64
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- Provider spread unknown; Argentina/Brazil variant charges may apply
- ATM fee
- 1–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 1%
- Plan cost
- $0
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- ATM fee
- 2%; min €2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 1 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsARQ CardOverall64Bitpanda CardOverall73
ARQ CardOverall64Bitpanda CardOverall73Scores
6 fields- Overall Score
- ARQ Card64Bitpanda Card73
- Cashback score
- ARQ Card40Bitpanda Card60
- Travel score
- ARQ Card62Bitpanda Card79
- Funds control score
- ARQ Card52Bitpanda Card56
- Lowest fees score
- ARQ Card52Bitpanda Card67
- Transfers score
- ARQ Card75Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- ARQ Card$0Bitpanda Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyBitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURBitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account
- Card spending fee
- ARQ Card0%Bitpanda CardNot disclosed
- ATM fee
- ARQ Card1–3%Bitpanda Card2%; min €2
- Virtual card
- ARQ CardFreeBitpanda CardNot disclosed
- Physical card
- ARQ CardMexico: Standard shipping $4.99; first physical card free with Main Balance above $100 or Premium. Other countries must confirm local terms.Bitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeBitpanda Card1 plans: Standard
- Top cashback plan
- ARQ CardPrestige: 2%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- ARQ CardMastercardBitpanda CardVisa
- Card formats
- ARQ CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableBitpanda CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- ARQ CardNot disclosedBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- ARQ CardNot disclosedBitpanda Card€280,000 per month
- ATM limit
- ARQ CardNot disclosedBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronBitpanda CardNot disclosed
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTBitpanda CardStablecoins: USDC
- Fiat deposits
- ARQ CardUSD receive, EUR receiveBitpanda CardEUR SEPA deposit
- Transfers
- ARQ CardARQ P2P; USD ACH payoutBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- ARQ CardUSDBitpanda CardEUR
Rewards
3 fields- Base cashback
- ARQ Card0%Bitpanda Card1%
- Max cashback
- ARQ Card2%Bitpanda Card1%
- Reward currency
- ARQ CardUSDc cashbackBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYBitpanda CardNot disclosed
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultBitpanda CardEarn on spending balance
- Separate deposit
- ARQ CardYesBitpanda CardNo
- Use balance for spending
- ARQ CardNoBitpanda CardYes
- Lock-up
- ARQ CardNoBitpanda CardNo
Trust & availability
4 fields- Custody
- ARQ CardCustodialBitpanda CardCustodial
- Control until payment
- ARQ CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedBitpanda CardTransact Payments Malta Limited
- Card processing
- ARQ CardNot disclosedBitpanda CardMarqeta
Sources
2 fields- Official sources
- ARQ Card36Bitpanda Card16
- Last reviewed
- ARQ CardOct 11, 2026Bitpanda CardOct 6, 2026
04 · The takeaway
Bitpanda Card is the stronger all-round choice
Bitpanda Card finishes ahead with an Overall Score of 73 versus 64 for ARQ Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Bitpanda Card has the higher published base cashback rate (1% vs 0%).
ARQ Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ARQ Card and Bitpanda Card use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full ARQ Card and Bitpanda Card reviews first.
Continue with
ARQ Card
Continue with
Bitpanda Card
05 · Common questions
ARQ vs Bitpanda FAQ
Is ARQ or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, ARQ or Bitpanda?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ARQ or Bitpanda?
Bitpanda Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ARQ and Bitpanda differ on custody?
ARQ Card and Bitpanda Card use the same custodial balance setup.
How current is this ARQ vs Bitpanda comparison?
The latest information check for these two cards was October 11, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.