Exactly Protocol / ExaExa
67
Side-by-side card comparison
Exa vs Bitpanda: overall score versus use-case fit
Bitpanda Card has the higher Overall Score by 6 points (73 vs 67). Exa Card looks stronger for Funds control, Lowest fees, and Transfers, while Bitpanda Card comes out ahead for Cashback and Travel.
Information checked Oct 6, 202647 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. Exa Card may be the better fit for Funds control, Lowest fees, and Transfers. 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.
OverallExa67Bitpanda73Higher score
CashbackExa19Bitpanda60Higher score
TravelExa62Bitpanda79Higher score
Funds controlExa88Bitpanda56Higher score
Lowest feesExa68Bitpanda67Higher score
TransfersExa97Bitpanda85Higher score
Choose Exa Card if funds control and lowest fees matter most
Exa Card comes out ahead for 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
Choose Bitpanda Card if cashback and travel matter most
Bitpanda Card comes out ahead for Cashback and Travel 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
- Exa67Bitpanda73
Bitpanda Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Exa$0 plan · 1.5% 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 1.5%).
- Purchase rewards
- Exa0% cashbackBitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- ExaSelf-controlled walletBitpandaCustodial balance
Exa Card uses a self-controlled wallet 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
- ExaVirtual · Apple Pay, Google PayBitpandaVirtual + Physical · Apple Pay, Google Pay
Bitpanda Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Exa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Exa Card lists more stablecoins and ways to send money out (5 vs 4).
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.
67
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 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
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
CardsExa CardOverall67Bitpanda CardOverall73
Exa CardOverall67Bitpanda CardOverall73Scores
6 fields- Overall Score
- Exa Card67Bitpanda Card73
- Cashback score
- Exa Card19Bitpanda Card60
- Travel score
- Exa Card62Bitpanda Card79
- Funds control score
- Exa Card88Bitpanda Card56
- Lowest fees score
- Exa Card68Bitpanda Card67
- Transfers score
- Exa Card97Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Exa Card$0Bitpanda Card$0
- FX fee
- Exa Card1.5%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Exa 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
- Exa CardNot disclosedBitpanda CardNot disclosed
- ATM fee
- Exa Card$1 + 0.65%Bitpanda Card2%; min €2
- Virtual card
- Exa CardFree with Exa WalletBitpanda CardNot disclosed
- Physical card
- Exa CardNot availableBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Exa CardNot disclosedBitpanda Card1 plans: Standard
- Top cashback plan
- Exa CardNot disclosedBitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Exa CardVisaBitpanda CardVisa
- Card formats
- Exa CardVirtualBitpanda CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableBitpanda CardAvailable
- Mobile wallets
- Exa CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, WebBitpanda CardiOS, Android, Web
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appBitpanda Card€280,000 per month
- ATM limit
- Exa Card$250/withdrawal; $1000/dayBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Exa CardOptimismBitpanda CardNot disclosed
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHBitpanda CardStablecoins: USDC
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositBitpanda CardEUR SEPA deposit
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Exa CardUSD, EURBitpanda CardEUR
Rewards
3 fields- Base cashback
- Exa Card0%Bitpanda Card1%
- Max cashback
- Exa Card0%Bitpanda Card1%
- Reward currency
- Exa CardNo cashbackBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYBitpanda CardNot disclosed
- How it works
- Exa CardEarn on spending balance, Borrow against collateralBitpanda CardEarn on spending balance
- Separate deposit
- Exa CardNoBitpanda CardNo
- Use balance for spending
- Exa CardYesBitpanda CardYes
- Lock-up
- Exa CardNoBitpanda CardNo
Trust & availability
6 fields- Custody
- Exa CardSelf-custodyBitpanda CardCustodial
- Control until payment
- Exa CardYou keep controlBitpanda CardProvider controls funds
- Card issuer
- Exa CardThird National Bank, Third NationalBitpanda CardTransact Payments Malta Limited
- Card processing
- Exa CardExa Labs SASBitpanda CardMarqeta
- Deposits & withdrawals
- Exa CardBridge, MantecaBitpanda CardNot disclosed
- Programme operator
- Exa CardExa Labs SASBitpanda CardNot disclosed
Sources
2 fields- Official sources
- Exa Card31Bitpanda Card16
- Last reviewed
- Exa CardSep 6, 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 67 for Exa 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 1.5%). Bitpanda Card has the higher published base cashback rate (1% vs 0%).
Exa Card still comes out ahead for Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Exa Card uses a self-controlled wallet setup, while Bitpanda Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Exa Card lists more stablecoins and ways to send money out (5 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 Exa Card and Bitpanda Card reviews first.
Continue with
Exa Card
Continue with
Bitpanda Card
05 · Common questions
Exa vs Bitpanda FAQ
Is Exa or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 67). 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, Exa 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 1.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Exa 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 Exa and Bitpanda differ on custody?
Exa Card uses a self-controlled wallet 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 Exa vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.