PayyPayy
62
Side-by-side card comparison
Payy vs Bitpanda: overall score versus use-case fit
Bitpanda Card has the higher Overall Score by 11 points (73 vs 62). Payy Card looks stronger for Funds control, while Bitpanda Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Oct 6, 202621 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. Payy Card may be the better fit for Funds control. 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.
OverallPayy62Bitpanda73Higher score
CashbackPayy17Bitpanda60Higher score
TravelPayy27Bitpanda79Higher score
Funds controlPayy97Bitpanda56Higher score
Lowest feesPayy57Bitpanda67Higher score
TransfersPayy68Bitpanda85Higher score
Choose Payy Card if funds control matters most
Payy Card comes out ahead for 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 wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Choose Bitpanda Card if cashback and travel matter most
Bitpanda Card comes out ahead for Cashback, Travel, 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.
- 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
- Payy62Bitpanda73
Bitpanda Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Payy$0 plan · 1–3% 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 1–3%).
- Purchase rewards
- Payy0% cashbackBitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- PayySelf-controlled walletBitpandaCustodial balance
Payy 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
- PayyVirtual · Apple Pay, Google PayBitpandaVirtual + Physical · Apple Pay, Google Pay
Bitpanda Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksBitpanda2 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 split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 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
CardsPayy CardOverall62Bitpanda CardOverall73
Payy CardOverall62Bitpanda CardOverall73Scores
6 fields- Overall Score
- Payy Card62Bitpanda Card73
- Cashback score
- Payy Card17Bitpanda Card60
- Travel score
- Payy Card27Bitpanda Card79
- Funds control score
- Payy Card97Bitpanda Card56
- Lowest fees score
- Payy Card57Bitpanda Card67
- Transfers score
- Payy Card68Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Payy Card$0Bitpanda Card$0
- FX fee
- Payy Card1–3%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Payy 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
- Payy Card0%Bitpanda CardNot disclosed
- ATM fee
- Payy CardNot availableBitpanda Card2%; min €2
- Virtual card
- Payy CardFree; instant after KYCBitpanda CardNot disclosed
- Physical card
- Payy CardNot disclosedBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Payy CardNot disclosedBitpanda Card1 plans: Standard
- Top cashback plan
- Payy CardNot disclosedBitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkBitpanda CardVisa
- Card formats
- Payy CardVirtualBitpanda CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableBitpanda CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Payy CardNot disclosedBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Payy CardNot disclosedBitpanda Card€280,000 per month
- ATM limit
- Payy CardNot disclosedBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkBitpanda CardNot disclosed
- Crypto deposits
- Payy CardStablecoins: USDCBitpanda CardStablecoins: USDC
- Fiat deposits
- Payy CardBank-account depositBitpanda CardEUR SEPA deposit
- Transfers
- Payy CardStablecoin transfers; Payy payment linksBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Payy CardNot disclosedBitpanda CardEUR
Rewards
3 fields- Base cashback
- Payy Card0%Bitpanda Card1%
- Max cashback
- Payy Card0%Bitpanda Card1%
- Reward currency
- Payy CardNo cashbackBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Payy CardNot offeredBitpanda CardNot disclosed
- How it works
- Payy CardNot offeredBitpanda CardEarn on spending balance
- Separate deposit
- Payy CardNot offeredBitpanda CardNo
- Use balance for spending
- Payy CardNot offeredBitpanda CardYes
- Lock-up
- Payy CardNot offeredBitpanda CardNo
Trust & availability
4 fields- Custody
- Payy CardSelf-custodyBitpanda CardCustodial
- Control until payment
- Payy CardYou keep controlBitpanda CardProvider controls funds
- Card issuer
- Payy CardThird National / RainBitpanda CardTransact Payments Malta Limited
- Card processing
- Payy CardRainBitpanda CardMarqeta
Sources
2 fields- Official sources
- Payy Card5Bitpanda Card16
- Last reviewed
- Payy CardAug 5, 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 62 for Payy 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 1–3%). Bitpanda Card has the higher published base cashback rate (1% vs 0%).
Payy Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Payy 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.
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 Payy Card and Bitpanda Card reviews first.
Continue with
Payy Card
Continue with
Bitpanda Card
05 · Common questions
Payy vs Bitpanda FAQ
Is Payy or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 62). 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, Payy 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 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Payy 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 Payy and Bitpanda differ on custody?
Payy 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 Payy vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 21 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.