1inch1inch
79
Side-by-side card comparison
1inch vs Bitpanda: fees, rewards and account setup
1inch Card has the higher Overall Score by 6 points (79 vs 73). 1inch Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Bitpanda Card may still be the better personal fit.
Information checked Oct 6, 202629 official sources reviewed
01 · Make the first cut
1inch Card is the better all-round starting point
1inch Card has the higher Overall Score in this comparison. Bitpanda 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.
Overall1inch79Bitpanda73Higher score
Cashback1inch63Bitpanda60Higher score
Travel1inch82Bitpanda79Higher score
Funds control1inch80Bitpanda56Higher score
Lowest fees1inch74Bitpanda67Higher score
Transfers1inch93Bitpanda85Higher score
Choose 1inch Card if cashback and travel matter most
1inch 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.
- Physical, virtual and ATM access
- Both major phone wallets
- Cashback in four crypto assets
Choose Bitpanda Card if its day-to-day setup suits you
Bitpanda 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.
- 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
- 1inch79Bitpanda73
1inch Card has the higher Overall Score by 6 points.
- Entry cost & FX
- 1inch$0 plan · 0% provider FX markup; Mastercard rate applies FXBitpanda$0 plan · 0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- 1inch1% base · up to 2%Bitpanda1% cashback
Both cards show the same base cashback rate of 1%.
- Funds control
- 1inchHybrid custodyBitpandaCustodial balance
1inch 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
- 1inchVirtual + 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
- 1inch1 stablecoin · Stablecoin transfers; EUR or GBP bank withdrawalBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Bitpanda Card lists more stablecoins and ways to send money out (4 vs 3).
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
- 1%-2%
- Plan cost
- $0
- FX fee
- 0% provider FX markup; Mastercard rate applies
- ATM fee
- €2.50 UK; €3 + 1.5% outside UK
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 9 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
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
Cards1inch CardOverall79Bitpanda CardOverall73
1inch CardOverall79Bitpanda CardOverall73Scores
6 fields- Overall Score
- 1inch Card79Bitpanda Card73
- Cashback score
- 1inch Card63Bitpanda Card60
- Travel score
- 1inch Card82Bitpanda Card79
- Funds control score
- 1inch Card80Bitpanda Card56
- Lowest fees score
- 1inch Card74Bitpanda Card67
- Transfers score
- 1inch Card93Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- 1inch CardPhysical, virtual and ATM access, Both major phone walletsBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- 1inch CardPurchase fee stack is unclear, Card funds leave self-custodyBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- 1inch Card$0Bitpanda Card$0
- FX fee
- 1inch Card0% provider FX markup; Mastercard rate appliesBitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- 1inch CardEUR/GBP provider-account bank deposit: 0%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
- 1inch Card2%Bitpanda CardNot disclosed
- ATM fee
- 1inch Card€2.50 UK; €3 + 1.5% outside UKBitpanda Card2%; min €2
- Virtual card
- 1inch CardNot disclosedBitpanda CardNot disclosed
- Physical card
- 1inch CardNot disclosedBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- 1inch CardNot disclosedBitpanda Card1 plans: Standard
- Top cashback plan
- 1inch CardNot disclosedBitpanda CardStandard: 1%
Everyday use
8 fields- Network
- 1inch CardMastercardBitpanda CardVisa
- Card formats
- 1inch CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- 1inch CardAvailableBitpanda CardAvailable
- Mobile wallets
- 1inch CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- 1inch CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- 1inch CardAccount-specific in ProfileBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- 1inch CardAccount-specific in ProfileBitpanda Card€280,000 per month
- ATM limit
- 1inch CardAccount-specific in ProfileBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- 1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, SolanaBitpanda CardNot disclosed
- Crypto deposits
- 1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assetsBitpanda CardStablecoins: USDC
- Fiat deposits
- 1inch CardEUR or GBP bank depositBitpanda CardEUR SEPA deposit
- Transfers
- 1inch CardStablecoin transfers; EUR or GBP bank withdrawalBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- 1inch CardEUR, GBPBitpanda CardEUR
Rewards
3 fields- Base cashback
- 1inch Card1%Bitpanda Card1%
- Max cashback
- 1inch Card2%Bitpanda Card1%
- Reward currency
- 1inch Card1INCH, USDT, BTC or BXXBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- 1inch CardNot offeredBitpanda CardNot disclosed
- How it works
- 1inch CardNot offeredBitpanda CardEarn on spending balance
- Separate deposit
- 1inch CardNot offeredBitpanda CardNo
- Use balance for spending
- 1inch CardNot offeredBitpanda CardYes
- Lock-up
- 1inch CardNot offeredBitpanda CardNo
Trust & availability
5 fields- Custody
- 1inch CardHybrid custodyBitpanda CardCustodial
- Control until payment
- 1inch CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- 1inch CardMonavate Ltd, UAB MonavateBitpanda CardTransact Payments Malta Limited
- Card processing
- 1inch CardCrypto LifeBitpanda CardMarqeta
- Custody / key management
- 1inch CardBaanxBitpanda CardNot disclosed
Sources
2 fields- Official sources
- 1inch Card13Bitpanda Card16
- Last reviewed
- 1inch CardAug 31, 2026Bitpanda CardOct 6, 2026
04 · The takeaway
1inch Card is the stronger all-round choice
1inch Card finishes ahead with an Overall Score of 79 versus 73 for Bitpanda Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 1%.
Bitpanda Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 1inch 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.
Bitpanda Card lists more stablecoins and ways to send money out (4 vs 3). 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 1inch Card and Bitpanda Card reviews first.
Continue with
1inch Card
Continue with
Bitpanda Card
05 · Common questions
1inch vs Bitpanda FAQ
Is 1inch or Bitpanda better overall?
1inch Card has the higher Overall Score (79 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, 1inch or Bitpanda?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, 1inch 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 1inch and Bitpanda differ on custody?
1inch 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 1inch vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.