HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Bitpanda: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 2 points (75 vs 73). Holyheld Card looks stronger for Cashback and Funds control, while Bitpanda Card comes out ahead for Travel and Transfers.
Information checked Oct 6, 202644 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Bitpanda Card may be the better fit for Travel 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.
OverallHolyheld75Bitpanda73Higher score
CashbackHolyheld64Bitpanda60Higher score
TravelHolyheld68Bitpanda79Higher score
Funds controlHolyheld74Bitpanda56Higher score
Lowest feesHolyheld67Bitpanda67Same score
TransfersHolyheld81Bitpanda85Higher score
Choose Holyheld Card if cashback and funds control matter most
Holyheld Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose Bitpanda Card if travel and transfers matter most
Bitpanda Card comes out ahead for 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
- Holyheld75Bitpanda73
Holyheld Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency 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 Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%Bitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- HolyheldHybrid custodyBitpandaCustodial balance
Holyheld 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
- HolyheldVirtual + 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
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Both cards list the same number of stablecoins and ways to send money out.
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
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 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
CardsHolyheld CardOverall75Bitpanda CardOverall73
Holyheld CardOverall75Bitpanda CardOverall73Scores
6 fields- Overall Score
- Holyheld Card75Bitpanda Card73
- Cashback score
- Holyheld Card64Bitpanda Card60
- Travel score
- Holyheld Card68Bitpanda Card79
- Funds control score
- Holyheld Card74Bitpanda Card56
- Lowest fees score
- Holyheld Card67Bitpanda Card67
- Transfers score
- Holyheld Card81Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Holyheld Card$0Bitpanda Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyBitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Holyheld Card0%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
- Holyheld Card€0.50Bitpanda CardNot disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Bitpanda Card2%; min €2
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessBitpanda CardNot disclosed
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Bitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalBitpanda Card1 plans: Standard
- Top cashback plan
- Holyheld CardMetal: 1%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Holyheld CardMastercardBitpanda CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableBitpanda CardAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebBitpanda CardiOS, Android, Web
- Daily spending limit
- Holyheld CardEUR 10,000 dailyBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyBitpanda Card€280,000 per month
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Bitpanda CardNot disclosed
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTBitpanda CardStablecoins: USDC
- Fiat deposits
- Holyheld CardPersonal EUR IBANBitpanda CardEUR SEPA deposit
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Holyheld CardEURBitpanda CardEUR
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Bitpanda Card1%
- Max cashback
- Holyheld Card1%Bitpanda Card1%
- Reward currency
- Holyheld CardUSDCBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedBitpanda CardNot disclosed
- How it works
- Holyheld CardOptional earn vaultBitpanda CardEarn on spending balance
- Separate deposit
- Holyheld CardYesBitpanda CardNo
- Use balance for spending
- Holyheld CardNot disclosedBitpanda CardYes
- Lock-up
- Holyheld CardNoBitpanda CardNo
Trust & availability
6 fields- Custody
- Holyheld CardHybrid custodyBitpanda CardCustodial
- Control until payment
- Holyheld CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdBitpanda CardTransact Payments Malta Limited
- Card processing
- Holyheld CardNot disclosedBitpanda CardMarqeta
- Identity verification
- Holyheld CardSumsub / IdenfyBitpanda CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGBitpanda CardNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28Bitpanda Card16
- Last reviewed
- Holyheld CardSep 9, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 73 for Bitpanda 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 Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Bitpanda Card has the higher published base cashback rate (1% vs 0.5%).
Bitpanda Card still comes out ahead for Travel and Transfers, which may matter more than the overall result if that is how you plan to use the card. Holyheld 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.
Both cards list the same number of stablecoins and ways to send money out. 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 Holyheld Card and Bitpanda Card reviews first.
Continue with
Holyheld Card
Continue with
Bitpanda Card
05 · Common questions
Holyheld vs Bitpanda FAQ
Is Holyheld or Bitpanda better overall?
Holyheld Card has the higher Overall Score (75 vs 73). 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, Holyheld 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 Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Holyheld or Bitpanda?
Bitpanda Card has the higher published base cashback rate (1% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and Bitpanda differ on custody?
Holyheld 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 Holyheld vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.