MetaMaskMetaMask
76
Side-by-side card comparison
MetaMask vs Bitpanda: overall score versus use-case fit
MetaMask Card has the higher Overall Score by 3 points (76 vs 73). MetaMask Card looks stronger for Travel, Funds control, and Lowest fees, while Bitpanda Card comes out ahead for Cashback and Transfers.
Information checked Oct 6, 202628 official sources reviewed
01 · Overall score versus use-case fit
MetaMask Card is the better all-round starting point
MetaMask Card has the higher Overall Score in this comparison. Bitpanda Card may be the better fit for Cashback 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.
OverallMetaMask76Bitpanda73Higher score
CashbackMetaMask49Bitpanda60Higher score
TravelMetaMask91Bitpanda79Higher score
Funds controlMetaMask87Bitpanda56Higher score
Lowest feesMetaMask82Bitpanda67Higher score
TransfersMetaMask59Bitpanda85Higher score
Choose MetaMask Card if travel and funds control matter most
MetaMask Card comes out ahead for Travel, 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.
- Spend enabled MetaMask wallet assets
- Self-custody spend model
- Free Virtual tier includes mUSD cashback
Choose Bitpanda Card if cashback and transfers matter most
Bitpanda Card comes out ahead for Cashback 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
- MetaMask76Bitpanda73
MetaMask Card has the higher Overall Score by 3 points.
- Entry cost & FX
- MetaMask$0 plan · 0–1% 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 0–1%).
- Purchase rewards
- MetaMask1% base · up to 3%Bitpanda1% cashback
Both cards show the same base cashback rate of 1%.
- Funds control
- MetaMaskSelf-controlled walletBitpandaCustodial balance
MetaMask 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
- MetaMaskVirtual + 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
- MetaMask5 stablecoins · Stablecoin transfersBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
MetaMask 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.
- Cashback
- 1%-3%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 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
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
CardsMetaMask CardOverall76Bitpanda CardOverall73
MetaMask CardOverall76Bitpanda CardOverall73Scores
6 fields- Overall Score
- MetaMask Card76Bitpanda Card73
- Cashback score
- MetaMask Card49Bitpanda Card60
- Travel score
- MetaMask Card91Bitpanda Card79
- Funds control score
- MetaMask Card87Bitpanda Card56
- Lowest fees score
- MetaMask Card82Bitpanda Card67
- Transfers score
- MetaMask Card59Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- MetaMask CardSpend enabled MetaMask wallet assets, Self-custody spend modelBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- MetaMask CardToken and network support is restricted, Fees can offset cashbackBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- MetaMask Card$0Bitpanda Card$0
- FX fee
- MetaMask Card0–1%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- MetaMask 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
- MetaMask CardNot disclosedBitpanda CardNot disclosed
- ATM fee
- MetaMask Card0–2%Bitpanda Card2%; min €2
- Virtual card
- MetaMask CardUp to 1 free virtual cards by tierBitpanda CardNot disclosed
- Physical card
- MetaMask CardMetal tier $199/year; orders temporarily paused as of June 2, 2026Bitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- MetaMask Card2 plans: Virtual, MetalBitpanda Card1 plans: Standard
- Top cashback plan
- MetaMask CardMetal: 3%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- MetaMask CardMastercardBitpanda CardVisa
- Card formats
- MetaMask CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- MetaMask CardAvailableBitpanda CardAvailable
- Mobile wallets
- MetaMask CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- MetaMask CardiOS, Android, WebBitpanda CardiOS, Android, Web
- Daily spending limit
- MetaMask CardNot disclosedBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- MetaMask CardNot disclosedBitpanda Card€280,000 per month
- ATM limit
- MetaMask CardLimits shown in appBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- MetaMask CardLinea, Solana, Base, MonadBitpanda CardNot disclosed
- Crypto deposits
- MetaMask CardNot disclosedBitpanda CardStablecoins: USDC
- Fiat deposits
- MetaMask CardNot disclosedBitpanda CardEUR SEPA deposit
- Transfers
- MetaMask CardStablecoin transfersBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- MetaMask CardNot disclosedBitpanda CardEUR
Rewards
3 fields- Base cashback
- MetaMask Card1%Bitpanda Card1%
- Max cashback
- MetaMask Card3%Bitpanda Card1%
- Reward currency
- MetaMask CardmUSD cashbackBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- MetaMask CardUp to 6% APYBitpanda CardNot disclosed
- How it works
- MetaMask CardEarn on spending balance, Optional earn vaultBitpanda CardEarn on spending balance
- Separate deposit
- MetaMask CardYesBitpanda CardNo
- Use balance for spending
- MetaMask CardYesBitpanda CardYes
- Lock-up
- MetaMask CardNoBitpanda CardNo
Trust & availability
5 fields- Custody
- MetaMask CardSelf-custodyBitpanda CardCustodial
- Control until payment
- MetaMask CardYou keep controlBitpanda CardProvider controls funds
- Card issuer
- MetaMask CardCross River BankBitpanda CardTransact Payments Malta Limited
- Card processing
- MetaMask CardNot disclosedBitpanda CardMarqeta
- Identity verification
- MetaMask CardCrypto LifeBitpanda CardNot disclosed
Sources
2 fields- Official sources
- MetaMask Card12Bitpanda Card16
- Last reviewed
- MetaMask CardAug 12, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
MetaMask Card is the stronger all-round choice
MetaMask Card finishes ahead with an Overall Score of 76 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 0–1%). Both cards show the same base cashback rate of 1%.
Bitpanda Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. MetaMask 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.
MetaMask 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 MetaMask Card and Bitpanda Card reviews first.
Continue with
MetaMask Card
Continue with
Bitpanda Card
05 · Common questions
MetaMask vs Bitpanda FAQ
Is MetaMask or Bitpanda better overall?
MetaMask Card has the higher Overall Score (76 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, MetaMask 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 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, MetaMask 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 MetaMask and Bitpanda differ on custody?
MetaMask 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 MetaMask vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 28 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.