PionexPionex
57
Side-by-side card comparison
Pionex vs Bitpanda: fees, rewards and account setup
Bitpanda Card has the higher Overall Score by 16 points (73 vs 57). Bitpanda Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Pionex Card may still be the better personal fit.
Information checked Oct 6, 202675 official sources reviewed
01 · Make the first cut
Bitpanda Card is the better all-round starting point
Bitpanda Card has the higher Overall Score in this comparison. Pionex 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.
OverallPionex57Bitpanda73Higher score
CashbackPionex52Bitpanda60Higher score
TravelPionex29Bitpanda79Higher score
Funds controlPionex43Bitpanda56Higher score
Lowest feesPionex57Bitpanda67Higher score
TransfersPionex79Bitpanda85Higher score
Choose Pionex Card if its day-to-day setup suits you
Pionex 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
Choose Bitpanda Card if cashback and travel matter most
Bitpanda 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.
- 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
- Pionex57Bitpanda73
Bitpanda Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Pionex$0 plan · Not disclosed 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
- Pionex0.1% base · up to 1%Bitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0.1%).
- Funds control
- PionexCustodial balanceBitpandaCustodial balance
Pionex Card and Bitpanda Card use the same custodial balance setup.
- Everyday access
- PionexVirtual · Apple Pay, Google PayBitpandaVirtual + Physical · Apple Pay, Google Pay
Bitpanda Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Pionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-outBitpanda2 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 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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 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
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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
CardsPionex CardOverall57Bitpanda CardOverall73
Pionex CardOverall57Bitpanda CardOverall73Scores
6 fields- Overall Score
- Pionex Card57Bitpanda Card73
- Cashback score
- Pionex Card52Bitpanda Card60
- Travel score
- Pionex Card29Bitpanda Card79
- Funds control score
- Pionex Card43Bitpanda Card56
- Lowest fees score
- Pionex Card57Bitpanda Card67
- Transfers score
- Pionex Card79Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Pionex CardVisa and Mastercard options, 0.1%-1% cashback in USDTBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Pionex CardMastercard can cost up to 3.5%, General access is virtual-onlyBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Pionex Card$0Bitpanda Card$0
- FX fee
- Pionex CardNot disclosedBitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Pionex CardNot disclosedBitpanda 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
- Pionex Card3.5%Bitpanda CardNot disclosed
- ATM fee
- Pionex CardNot availableBitpanda Card2%; min €2
- Virtual card
- Pionex CardAvailableBitpanda CardNot disclosed
- Physical card
- Pionex CardNot availableBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Pionex Card2 plans: Mastercard, VisaBitpanda Card1 plans: Standard
- Top cashback plan
- Pionex CardVisa: 1%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Pionex CardVisa/MastercardBitpanda CardVisa
- Card formats
- Pionex CardVirtualBitpanda CardVirtual, Physical
- ATM withdrawals
- Pionex CardNot availableBitpanda CardAvailable
- Mobile wallets
- Pionex CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Pionex CardNot disclosedBitpanda CardiOS, Android, Web
- Daily spending limit
- Pionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on networkBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Pionex Card$50,000-$100,000/month depending on networkBitpanda Card€280,000 per month
- ATM limit
- Pionex CardNot availableBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Pionex CardNot disclosedBitpanda CardNot disclosed
- Crypto deposits
- Pionex CardOther crypto: Supported cryptoBitpanda CardStablecoins: USDC
- Fiat deposits
- Pionex CardNot disclosedBitpanda CardEUR SEPA deposit
- Transfers
- Pionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-outBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Pionex CardNot disclosedBitpanda CardEUR
Rewards
3 fields- Base cashback
- Pionex Card0.1%Bitpanda Card1%
- Max cashback
- Pionex Card1%Bitpanda Card1%
- Reward currency
- Pionex CardUSDTBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Pionex CardUp to 5% APYBitpanda CardNot disclosed
- How it works
- Pionex CardEarn on spending balanceBitpanda CardEarn on spending balance
- Separate deposit
- Pionex CardNoBitpanda CardNo
- Use balance for spending
- Pionex CardYesBitpanda CardYes
- Lock-up
- Pionex CardNoBitpanda CardNo
Trust & availability
4 fields- Custody
- Pionex CardCustodialBitpanda CardCustodial
- Control until payment
- Pionex CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Pionex CardNot disclosedBitpanda CardTransact Payments Malta Limited
- Card processing
- Pionex CardNot disclosedBitpanda CardMarqeta
Sources
2 fields- Official sources
- Pionex Card59Bitpanda Card16
- Last reviewed
- Pionex CardAug 14, 2026Bitpanda CardOct 6, 2026
04 · The takeaway
Bitpanda Card is the stronger all-round choice
Bitpanda Card finishes ahead with an Overall Score of 73 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Bitpanda Card has the higher published base cashback rate (1% vs 0.1%).
Pionex Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Pionex Card and Bitpanda Card use the same custodial balance setup.
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 Pionex Card and Bitpanda Card reviews first.
Continue with
Pionex Card
Continue with
Bitpanda Card
05 · Common questions
Pionex vs Bitpanda FAQ
Is Pionex or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 57). 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, Pionex 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, Pionex or Bitpanda?
Bitpanda Card has the higher published base cashback rate (1% vs 0.1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Pionex and Bitpanda differ on custody?
Pionex Card and Bitpanda Card use the same custodial balance setup.
How current is this Pionex vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 75 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.