BitpandaBitpanda
73
Side-by-side card comparison
Bitpanda vs Decaf
Bitpanda Card has the higher Overall Score by 9 points (73 vs 64). Bitpanda Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Decaf Card comes out ahead for Funds control.
Latest check Oct 19, 202637 official sources reviewed
Bitpanda Card
Best fit
- Spending crypto or metals already held in your Bitpanda account.
- Choosing a main payment asset and a fallback to cover a purchase.
- Getting a first physical card and initial delivery without an issuance fee.
Before you choose
- Crypto sale fees can outweigh 1% cashback; BTC costs 0.99%, other assets more.
- Stablecoins, metals and EUR earn no cashback; mainly EUR use is prohibited.
- Ordering requires euro-area residence; Cyprus and Bankident users are excluded.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsBitpanda CardOverall73Decaf CardOverall64
Bitpanda CardOverall73Decaf CardOverall64Scores
- Overall Score
- Bitpanda Card73Decaf Card64
- Cashback score
- Bitpanda Card60Decaf Card29
- Travel score
- Bitpanda Card79Decaf Card60
- Funds control score
- Bitpanda Card56Decaf Card63
- Lowest fees score
- Bitpanda Card67Decaf Card57
- Transfers score
- Bitpanda Card85Decaf Card70
Costs
- Plan cost
- Bitpanda Card$0Decaf Card$0
- FX fee
- Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payableDecaf Card1–2%
- Top-up fee
- Bitpanda CardEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider accountDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Bitpanda CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Bitpanda Card2%; min €2Decaf Card0% Decaf markup
- Virtual card
- Bitpanda CardNot disclosedDecaf Card$5
- Physical card
- Bitpanda CardFirst card free. One active physical card per user.Decaf Card$90 international / $10 US
Plans
- Available plans
- Bitpanda Card1 plans: StandardDecaf CardNot disclosed
- Top cashback plan
- Bitpanda CardStandard: 1%Decaf CardNot disclosed
Everyday use
- Network
- Bitpanda CardVisaDecaf CardVisa
- Card formats
- Bitpanda CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Bitpanda CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Bitpanda CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Bitpanda CardiOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- Bitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.Decaf CardNot disclosed
- Monthly spending limit
- Bitpanda Card€280,000 per monthDecaf CardNot disclosed
- ATM limit
- Bitpanda Card€500 per dayDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Bitpanda CardNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Bitpanda CardStablecoins: USDCDecaf CardStablecoins: USDC
- Fiat deposits
- Bitpanda CardEUR SEPA depositDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Bitpanda CardStablecoin transfers; EUR SEPA withdrawalDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Bitpanda CardEURDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Bitpanda Card1%Decaf CardNot disclosed
- Max cashback
- Bitpanda Card1%Decaf CardNot disclosed
- Reward currency
- Bitpanda CardSame eligible cryptocurrency used for paymentDecaf CardNot disclosed
Earn
- Advertised APY
- Bitpanda CardNot disclosedDecaf CardNot disclosed
- How it works
- Bitpanda CardEarn on spending balanceDecaf CardOptional earn vault
- Separate deposit
- Bitpanda CardNoDecaf CardYes
- Use balance for spending
- Bitpanda CardYesDecaf CardNot disclosed
- Lock-up
- Bitpanda CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Bitpanda CardCustodialDecaf CardNon-custodial
- Control until payment
- Bitpanda CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Bitpanda CardTransact Payments Malta LimitedDecaf CardThird National, Inc.
- Card processing
- Bitpanda CardMarqetaDecaf CardRain
- Deposits & withdrawals
- Bitpanda CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Bitpanda Card16Decaf Card21
- Last reviewed
- Bitpanda CardOct 6, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Bitpanda or Decaf
Sending money to a bank
For bank payouts, Bitpanda has reviewed routes in EUR; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Matching the card to your plans
Bitpanda: Spending crypto or metals already held in your Bitpanda account. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
Bitpanda vs Decaf FAQ
Is Bitpanda or Decaf 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, Bitpanda or Decaf?
Bitpanda Card has the lower published FX fee (0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable vs 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Bitpanda or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bitpanda and Decaf differ on custody?
Bitpanda Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bitpanda vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.