KoloKolo
73
Side-by-side card comparison
Kolo vs Bitpanda: same score, different trade-offs
Kolo Card and Bitpanda Card share an Overall Score of 73. Kolo Card looks stronger for Lowest fees and Transfers, while Bitpanda Card comes out ahead for Cashback and Travel.
Information checked Oct 6, 202644 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Kolo Card and Bitpanda Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallKolo73Bitpanda73Same score
CashbackKolo54Bitpanda60Higher score
TravelKolo70Bitpanda79Higher score
Funds controlKolo56Bitpanda56Same score
Lowest feesKolo83Bitpanda67Higher score
TransfersKolo92Bitpanda85Higher score
Choose Kolo Card if lowest fees and transfers matter most
Kolo Card comes out ahead for 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.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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 the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Kolo73Bitpanda73
Both cards have the same displayed Overall Score of 73.
- Entry cost & FX
- Kolo$0 plan · 1% 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%).
- Purchase rewards
- Kolo1% base · up to 2%Bitpanda1% cashback
Both cards show the same base cashback rate of 1%.
- Funds control
- KoloCustodial balanceBitpandaCustodial balance
Kolo Card and Bitpanda Card use the same custodial balance setup.
- Everyday access
- KoloVirtual · Apple Pay, Google PayBitpandaVirtual + Physical · Apple Pay, Google Pay
Bitpanda Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Kolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 vs 4).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- Cashback
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 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
Put 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
CardsKolo CardOverall73Bitpanda CardOverall73
Kolo CardOverall73Bitpanda CardOverall73Scores
6 fields- Overall Score
- Kolo Card73Bitpanda Card73
- Cashback score
- Kolo Card54Bitpanda Card60
- Travel score
- Kolo Card70Bitpanda Card79
- Funds control score
- Kolo Card56Bitpanda Card56
- Lowest fees score
- Kolo Card83Bitpanda Card67
- Transfers score
- Kolo Card92Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Kolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 daysBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Kolo CardConversion and FX fees can stack, Card spending uses a custodial walletBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Kolo Card$0Bitpanda Card$0
- FX fee
- Kolo Card1%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Kolo 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
- Kolo CardNot disclosedBitpanda CardNot disclosed
- ATM fee
- Kolo Card$1 + 0.65%Bitpanda Card2%; min €2
- Virtual card
- Kolo CardFreeBitpanda CardNot disclosed
- Physical card
- Kolo CardPlanned for Q3 2026; not currently availableBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Kolo CardNot disclosedBitpanda Card1 plans: Standard
- Top cashback plan
- Kolo CardNot disclosedBitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Kolo CardVisaBitpanda CardVisa
- Card formats
- Kolo CardVirtualBitpanda CardVirtual, Physical
- ATM withdrawals
- Kolo CardAvailableBitpanda CardAvailable
- Mobile wallets
- Kolo CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Kolo CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Kolo Card$9,000/dayBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Kolo Card$9,000/monthBitpanda Card€280,000 per month
- ATM limit
- Kolo Card$500/withdrawal; 3 withdrawals/24hBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Kolo CardNot disclosedBitpanda CardNot disclosed
- Crypto deposits
- Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10Bitpanda CardStablecoins: USDC
- Fiat deposits
- Kolo CardNot disclosedBitpanda CardEUR SEPA deposit
- Transfers
- Kolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Kolo CardEURBitpanda CardEUR
Rewards
3 fields- Base cashback
- Kolo Card1%Bitpanda Card1%
- Max cashback
- Kolo Card2%Bitpanda Card1%
- Reward currency
- Kolo CardBTC cashbackBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Kolo CardNot offeredBitpanda CardNot disclosed
- How it works
- Kolo CardNot offeredBitpanda CardEarn on spending balance
- Separate deposit
- Kolo CardNot offeredBitpanda CardNo
- Use balance for spending
- Kolo CardNot offeredBitpanda CardYes
- Lock-up
- Kolo CardNot offeredBitpanda CardNo
Trust & availability
6 fields- Custody
- Kolo CardCustodialBitpanda CardCustodial
- Control until payment
- Kolo CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Kolo CardBanco Popular de Puerto Rico, Wirex LimitedBitpanda CardTransact Payments Malta Limited
- Card processing
- Kolo CardNot disclosedBitpanda CardMarqeta
- Identity verification
- Kolo CardSumSubBitpanda CardNot disclosed
- Programme operator
- Kolo CardHardline Holding LimitedBitpanda CardNot disclosed
Sources
2 fields- Official sources
- Kolo Card28Bitpanda Card16
- Last reviewed
- Kolo CardAug 28, 2026Bitpanda CardOct 6, 2026
04 · The closer call
Kolo Card and Bitpanda Card need a closer personal call
The Overall Score ends level at 73, so there is no honest all-round winner here. 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%). Both cards show the same base cashback rate of 1%.
Kolo Card looks stronger for Lowest fees and Transfers, while Bitpanda Card comes out ahead for Cashback and Travel. Kolo Card and Bitpanda Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 vs 4). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Kolo Card and Bitpanda Card reviews first.
Continue with
Kolo Card
Continue with
Bitpanda Card
05 · Common questions
Kolo vs Bitpanda FAQ
Is Kolo or Bitpanda better overall?
Kolo Card and Bitpanda Card tie at 73 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Kolo 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%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Kolo or Bitpanda?
Both cards show the same base cashback rate of 1%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Kolo and Bitpanda differ on custody?
Kolo Card and Bitpanda Card use the same custodial balance setup.
How current is this Kolo 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.