Coin98Coin98 Fusion
61
Side-by-side card comparison
Coin98 Fusion vs Bitpanda: overall score versus use-case fit
Bitpanda Card has the higher Overall Score by 12 points (73 vs 61). Coin98 Fusion Card looks stronger for Funds control and Lowest fees, while Bitpanda Card comes out ahead for Cashback, Travel, and Transfers.
Information checked Oct 6, 202639 official sources reviewed
01 · Overall score versus use-case fit
Bitpanda Card is the better all-round starting point
Bitpanda Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Funds control and Lowest fees. 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.
OverallCoin98 Fusion61Bitpanda73Higher score
CashbackCoin98 Fusion17Bitpanda60Higher score
TravelCoin98 Fusion65Bitpanda79Higher score
Funds controlCoin98 Fusion64Bitpanda56Higher score
Lowest feesCoin98 Fusion73Bitpanda67Higher score
TransfersCoin98 Fusion39Bitpanda85Higher score
Choose Coin98 Fusion Card if funds control and lowest fees matter most
Coin98 Fusion Card comes out ahead for Funds control and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
Choose Bitpanda Card if cashback and travel matter most
Bitpanda Card comes out ahead for Cashback, Travel, 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
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Coin98 Fusion61Bitpanda73
Bitpanda Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXBitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FX
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 1.7% foreign-currency conversion).
- Purchase rewards
- Coin98 Fusion0% cashbackBitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyBitpandaCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while Bitpanda Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayBitpandaVirtual + Physical · Apple Pay, Google Pay
Bitpanda Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Bitpanda Card lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.7% foreign-currency conversion
- ATM fee
- 1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 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
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03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsCoin98 Fusion CardOverall61Bitpanda CardOverall73
Coin98 Fusion CardOverall61Bitpanda CardOverall73Scores
6 fields- Overall Score
- Coin98 Fusion Card61Bitpanda Card73
- Cashback score
- Coin98 Fusion Card17Bitpanda Card60
- Travel score
- Coin98 Fusion Card65Bitpanda Card79
- Funds control score
- Coin98 Fusion Card64Bitpanda Card56
- Lowest fees score
- Coin98 Fusion Card73Bitpanda Card67
- Transfers score
- Coin98 Fusion Card39Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Bitpanda Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionBitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Coin98 Fusion Card1%Bitpanda 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
- Coin98 Fusion CardNot disclosedBitpanda CardNot disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeBitpanda Card2%; min €2
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeBitpanda CardNot disclosed
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedBitpanda Card1 plans: Standard
- Top cashback plan
- Coin98 Fusion CardNot disclosedBitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaBitpanda CardVisa
- Card formats
- Coin98 Fusion CardVirtualBitpanda CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableBitpanda CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitBitpanda Card€280,000 per month
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronBitpanda CardNot disclosed
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTBitpanda CardStablecoins: USDC
- Fiat deposits
- Coin98 Fusion CardNot disclosedBitpanda CardEUR SEPA deposit
- Transfers
- Coin98 Fusion CardNot disclosedBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Coin98 Fusion CardNot disclosedBitpanda CardEUR
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Bitpanda Card1%
- Max cashback
- Coin98 Fusion Card0%Bitpanda Card1%
- Reward currency
- Coin98 Fusion CardNot applicableBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredBitpanda CardNot disclosed
- How it works
- Coin98 Fusion CardNot offeredBitpanda CardEarn on spending balance
- Separate deposit
- Coin98 Fusion CardNot offeredBitpanda CardNo
- Use balance for spending
- Coin98 Fusion CardNot offeredBitpanda CardYes
- Lock-up
- Coin98 Fusion CardNot offeredBitpanda CardNo
Trust & availability
4 fields- Custody
- Coin98 Fusion CardHybrid custodyBitpanda CardCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Bitpanda CardTransact Payments Malta Limited
- Card processing
- Coin98 Fusion CardNot disclosedBitpanda CardMarqeta
Sources
2 fields- Official sources
- Coin98 Fusion Card23Bitpanda Card16
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Bitpanda Card is the stronger all-round choice
Bitpanda Card finishes ahead with an Overall Score of 73 versus 61 for Coin98 Fusion Card. 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 1.7% foreign-currency conversion). Bitpanda Card has the higher published base cashback rate (1% vs 0%).
Coin98 Fusion Card still comes out ahead for Funds control and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Coin98 Fusion Card uses a hybrid custody setup, while Bitpanda Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Bitpanda Card lists more stablecoins and ways to send money out (4 vs 2). 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 Coin98 Fusion Card and Bitpanda Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Bitpanda Card
05 · Common questions
Coin98 Fusion vs Bitpanda FAQ
Is Coin98 Fusion or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 61). 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, Coin98 Fusion or Bitpanda?
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 1.7% foreign-currency conversion). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Coin98 Fusion 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 Coin98 Fusion and Bitpanda differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Bitpanda Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Coin98 Fusion vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.