Crypto.comCrypto.com Prepaid
57
Side-by-side card comparison
Crypto.com Prepaid vs Bitpanda: fees, rewards and account setup
Bitpanda Card has the higher Overall Score by 16 points (73 vs 57). Bitpanda Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Crypto.com Prepaid Card may still be the better personal fit.
Information checked Oct 6, 202630 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. Crypto.com Prepaid 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.
OverallCrypto.com Prepaid57Bitpanda73Higher score
CashbackCrypto.com Prepaid31Bitpanda60Higher score
TravelCrypto.com Prepaid57Bitpanda79Higher score
Funds controlCrypto.com Prepaid40Bitpanda56Higher score
Lowest feesCrypto.com Prepaid48Bitpanda67Higher score
TransfersCrypto.com Prepaid47Bitpanda85Higher score
Choose Crypto.com Prepaid Card if its day-to-day setup suits you
Crypto.com Prepaid 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.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
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
- Crypto.com Prepaid57Bitpanda73
Bitpanda Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% 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 0–3%).
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%Bitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Crypto.com PrepaidCustodial balanceBitpandaCustodial balance
Crypto.com Prepaid Card and Bitpanda Card use the same custodial balance setup.
- Everyday access
- Crypto.com PrepaidVirtual + 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
- Crypto.com Prepaid0 stablecoins · US card-to-card sendBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Bitpanda Card lists more stablecoins and ways to send money out (4 vs 1).
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.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 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
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
CardsCrypto.com Prepaid CardOverall57Bitpanda CardOverall73
Crypto.com Prepaid CardOverall57Bitpanda CardOverall73Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57Bitpanda Card73
- Cashback score
- Crypto.com Prepaid Card31Bitpanda Card60
- Travel score
- Crypto.com Prepaid Card57Bitpanda Card79
- Funds control score
- Crypto.com Prepaid Card40Bitpanda Card56
- Lowest fees score
- Crypto.com Prepaid Card48Bitpanda Card67
- Transfers score
- Crypto.com Prepaid Card47Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0Bitpanda Card$0
- FX fee
- Crypto.com Prepaid Card0–3%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Crypto.com Prepaid Card2.99%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
- Crypto.com Prepaid CardNot disclosedBitpanda CardNot disclosed
- ATM fee
- Crypto.com Prepaid Card0–2%Bitpanda Card2%; min €2
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedBitpanda CardNot disclosed
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Bitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Bitpanda Card1 plans: Standard
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardBitpanda CardVisa
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Crypto.com Prepaid CardAvailableBitpanda CardAvailable
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearBitpanda Card€280,000 per month
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Bitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedBitpanda CardNot disclosed
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHBitpanda CardStablecoins: USDC
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upBitpanda CardEUR SEPA deposit
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Crypto.com Prepaid CardNot disclosedBitpanda CardEUR
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%Bitpanda Card1%
- Max cashback
- Crypto.com Prepaid Card5%Bitpanda Card1%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredBitpanda CardNot disclosed
- How it works
- Crypto.com Prepaid CardNot offeredBitpanda CardEarn on spending balance
- Separate deposit
- Crypto.com Prepaid CardNot offeredBitpanda CardNo
- Use balance for spending
- Crypto.com Prepaid CardNot offeredBitpanda CardYes
- Lock-up
- Crypto.com Prepaid CardNot offeredBitpanda CardNo
Trust & availability
5 fields- Custody
- Crypto.com Prepaid CardCustodialBitpanda CardCustodial
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Bitpanda CardTransact Payments Malta Limited
- Card processing
- Crypto.com Prepaid CardNot disclosedBitpanda CardMarqeta
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Bitpanda CardNot disclosed
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14Bitpanda Card16
- Last reviewed
- Crypto.com Prepaid CardAug 14, 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 57 for Crypto.com Prepaid 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 0–3%). Bitpanda Card has the higher published base cashback rate (1% vs 0%).
Crypto.com Prepaid Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Crypto.com Prepaid Card and Bitpanda Card use the same custodial balance setup.
Bitpanda Card lists more stablecoins and ways to send money out (4 vs 1). 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 Crypto.com Prepaid Card and Bitpanda Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
Bitpanda Card
05 · Common questions
Crypto.com Prepaid vs Bitpanda FAQ
Is Crypto.com Prepaid or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 57). 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, Crypto.com Prepaid 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 0–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Crypto.com Prepaid 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 Crypto.com Prepaid and Bitpanda differ on custody?
Crypto.com Prepaid Card and Bitpanda Card use the same custodial balance setup.
How current is this Crypto.com Prepaid vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.