Main strengths
- The first physical card and its initial shipment carry no Bitpanda fee.
- Physical and virtual Visa cards can be added to Apple Pay and Google Pay.
- Select a main asset and a fallback that covers the entire payment.
Standard Visa PlatinumStandard card design
Visa debit · crypto and metals account
Bitpanda Card
Bitpanda Card sells your selected account asset into EUR when you pay, with Apple Pay and Google Pay for physical and virtual cards. Eligible crypto purchases earn 1% back in the asset spent; stablecoins, metals and EUR earn no cashback, and asset sale charges and restrictions on predominantly EUR use apply.
Main trade-offs
- BTC sales cost 0.99%; other crypto costs 1.49% or 2.49%, depending on asset.
- Fiat, metals and excluded merchant categories also receive no cashback.
- The card terms prohibit EUR as the exclusive or predominant main asset.
01 · Core economics
Costs that matter
The first physical card and monthly plan have no Bitpanda fee. Paying from crypto or metals incurs asset sale fees; ATM withdrawals cost 2%, with a €2 minimum.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Cash fundingNot disclosedEUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account.
Provider FX markup0%0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable.
Asset conversion fee0–2.49%Asset sale fees: BTC/VSN 0.99%; other crypto 1.49%; low-cap and Spotlight assets 2.49%; stablecoins 0.99%, except EURCV 0%. Metals have separate sale premiums. VSN fee discounts do not apply to card transactions. Metals sale premiums: gold 1%, silver 2%, platinum 2%, palladium 1.8%.
ATM withdrawal2%; min €2A 2% withdrawal fee applies, with a €2 minimum. ATM operator charges and asset sale fees may also apply.
Physical cardFreeOne-time physical card cost
Limits and secondary feesLimits and other fees
ItemValueWhat it means
Card replacement€5.90Lost, stolen or damaged: €5.90. First undelivered reorder after one month: free. New orders after the second undelivered card: €10. Delivery usually takes up to 20 business days; shipping address must match registered residence. Expired physical card replacement is listed as free.
Daily card spend€10,000/day€10,000 per day; €70,000 per week. Minimum card payment €1.
Monthly card spend€280,000/month€280,000 per month
ATM limit€500/day€500 per day
Account depositNot disclosedAccount deposit limits not established.
02 · Rewards programme
Bitpanda Card cashback
Eligible crypto-funded purchases earn 1% back in the crypto spent, normally within 15 business days after processing. Stablecoins, EUR, metals, ATM withdrawals and excluded merchant categories earn no cashback. A programme-wide cashback cap is not disclosed.
Lowest current purchase reward rate
Same as the current base rate
Same eligible cryptocurrency used for payment
Unknown caps are not treated as unlimited
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appAvailable
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Bitpanda
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive2 routes
Crypto deposits
1 route
Crypto depositsCredited to the Bitpanda account wallet.USDCPolygonFeeNot confirmedSpeedNot confirmedLimitsCheck the current wallet minimum and limits.AvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Via provider account
Asset / network map
USDC: Polygon
Availability
Supported asset and network combinations
Restrictions
Polygon deposits accept native and bridged USDC; outgoing transfers use native USDC only. Network coverage is partial; no cashback on stablecoin spend.
Bank deposits
1 route
EUR SEPA depositFunds the provider account; unrestricted predominantly EUR card use is not permitted by the card terms.EURFeeNo fixed feeSpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Availability
Funds the provider account; unrestricted predominantly EUR card use is not permitted by the card terms.
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
Verified network examples are partial.
Money outWays to send, withdraw or settle2 routes
External crypto sends
1 route
USDC on-chain withdrawalNative USDC on Polygon only; bridged USDC is accepted on receipt but is not the outbound token.USDCPolygonFeeNot confirmedSpeedNetwork-dependentLimitsWallet-specific minimum and withdrawal limits not established.AvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Via provider account
Asset / network map
USDC: Polygon
Availability
Verified Bitpanda accounts with an active USDC wallet; network availability is asset-specific.
Restrictions
Native USDC on Polygon only; bridged USDC is accepted on receipt but is not the outbound token.
Bank transfers & payouts
1 route
EUR SEPA withdrawalProvider account rail, not a dedicated card IBAN.EURFeeNo fixed feeSpeedVaries by railLimitsAccount transfer limits not established.AvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Availability
Eligible Bitpanda EUR accounts; card ordering rules remain separate.
Restrictions
Provider account rail, not a dedicated card IBAN. Card EUR-use restrictions still apply.
05 · Balance yield
Optional earnings on your EUR balance
Cash Plus can earn variable returns on EUR held in your Bitpanda account. You must enable it separately. It is an investment linked to a money-market fund, so returns and the value of your balance can change.
Spendable yield
Cash Plus EUR
Variable rate
- Currency
- EUR
- Current rate
- Variable; check the net rate in the app
- Card payments
- Enable Cash Plus and select EUR to fund a payment automatically. Predominantly EUR use is prohibited.
- Withdrawals
- Withdraw anytime; no lockup
- Payout
- Monthly, in EUR
- Deposit insurance
- None
Risk noteYour money is invested, not held as an insured bank deposit. Returns are not guaranteed and losses are possible. Bitpanda’s card terms prohibit using EUR as the main asset for most card payments.
06 · Trust and eligibility
Where Bitpanda is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm programme assignment and eligibility during signup.
- Residence perimeter
- 19 countriesPublished regional guidance; final access remains account- and KYC-dependent.
- Explicit restrictions
- 13 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
- Final access check
- Confirm during signupCountry guidance does not guarantee access; programme assignment and KYC still apply.
Residence eligibility perimeter19 countries · access still account-gated
AustriaBelgiumCroatiaEstoniaFinlandFranceGermanyGreeceIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlandsPortugalSlovakiaSloveniaSpain
Explicit restriction list13 countries
CyprusCzechiaDenmarkHungaryLiechtensteinMoldovaNorwayPolandSwedenSwitzerlandTurkeyUnited KingdomUnited States
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productBitpanda
Provides the product and account experience. Named legal operators appear separately.
Custody controlBitpanda + programme partners
Controls settlement until payment.
Custodial accountCard issuerTransact Payments Malta Limited
Card issuance; MFSA registration C 91879.
Jurisdiction: MTCard processingMarqeta
Programme management; separate from the named card issuer.
07 · Methodology
Why the score is 73
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
73/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support87
Company & infrastructure
Named programme infrastructure includes Transact Payments Malta Limited (issuer) and Marqeta (processing).
Main constraint44
Custody & control
Custodial account; the account provider controls funds before card settlement, and a provider account is required.
09 · Card comparison
How Bitpanda Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Bitpanda Card
Physical and virtual Visa cards can be added to Apple Pay and Google Pay.
- Card
- Debit Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1%
- FX fee
- 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable.
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + EURCV
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Debit Mastercard + Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 2%–10%
- FX fee
- Up to 2%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT + USDC
- Transfers & payouts
- Crypto + Bank transfers
Similar match
Funding routes and Mastercard spending sit in the same Bybit EU account flow.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1%–10%
- FX fee
- 0.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
10 · Evidence
Sources
16 sources16 officialChecked Oct 6, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Help keep this page accurate
Found outdated or incorrect information?
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.