PlasmaPlasma One
87
Side-by-side card comparison
Plasma One vs Bitpanda: overall score versus use-case fit
Plasma One Card has the higher Overall Score by 14 points (87 vs 73). Plasma One Card looks stronger for Cashback, Funds control, Lowest fees, and Transfers, while Bitpanda Card comes out ahead for Travel.
Information checked Oct 6, 202628 official sources reviewed
01 · Overall score versus use-case fit
Plasma One Card is the better all-round starting point
Plasma One Card has the higher Overall Score in this comparison. Bitpanda Card may be the better fit for Travel. 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.
OverallPlasma One87Bitpanda73Higher score
CashbackPlasma One79Bitpanda60Higher score
TravelPlasma One72Bitpanda79Higher score
Funds controlPlasma One99Bitpanda56Higher score
Lowest feesPlasma One81Bitpanda67Higher score
TransfersPlasma One100Bitpanda85Higher score
Choose Plasma One Card if cashback and funds control matter most
Plasma One Card comes out ahead for Cashback, 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.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
Choose Bitpanda Card if travel matters most
Bitpanda Card comes out ahead for 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 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
- Plasma One87Bitpanda73
Plasma One Card has the higher Overall Score by 14 points.
- Entry cost & FX
- Plasma One$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
- Plasma One2% base · up to 10%Bitpanda1% cashback
Plasma One Card has the higher published base cashback rate (2% vs 1%).
- Funds control
- Plasma OneSelf-controlled walletBitpandaCustodial balance
Plasma One 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
- Plasma OneVirtual + 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
- Plasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawalsBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Plasma One Card lists more stablecoins and ways to send money out (6 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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Plasma One Card
Get $10
$10 after qualifying Plasma One card spend
- Join as a new user through the link, complete identity verification and activate a card.
- Spend $100 on qualifying card purchases at two or more distinct merchants within 14 days of code redemption.
- The $10 reward is card spend credit, not withdrawable cash.
Plasma One referral code4E7CQV
CARDGD is a separate access code. Check the current referral conditions in the Plasma One app before spending.
Bitpanda Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsPlasma One CardOverall87Bitpanda CardOverall73
Plasma One CardOverall87Bitpanda CardOverall73Scores
6 fields- Overall Score
- Plasma One Card87Bitpanda Card73
- Cashback score
- Plasma One Card79Bitpanda Card60
- Travel score
- Plasma One Card72Bitpanda Card79
- Funds control score
- Plasma One Card99Bitpanda Card56
- Lowest fees score
- Plasma One Card81Bitpanda Card67
- Transfers score
- Plasma One Card100Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Plasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perksBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Plasma One CardPhysical access is limited; no ATM, Cashback is capped by tierBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Plasma One Card$0Bitpanda Card$0
- FX fee
- Plasma One Card0–1%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Plasma One 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
- Plasma One CardNot disclosedBitpanda CardNot disclosed
- ATM fee
- Plasma One CardNot availableBitpanda Card2%; min €2
- Virtual card
- Plasma One CardUp to 3 free virtual cards by tierBitpanda CardNot disclosed
- Physical card
- Plasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.Bitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Plasma One Card3 plans: Lite, Core, PlatinumBitpanda Card1 plans: Standard
- Top cashback plan
- Plasma One CardPlatinum: 4%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Plasma One CardVisaBitpanda CardVisa
- Card formats
- Plasma One CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Plasma One CardNot availableBitpanda CardAvailable
- Mobile wallets
- Plasma One CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Plasma One CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Plasma One CardShown in appBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Plasma One CardShown in appBitpanda Card€280,000 per month
- ATM limit
- Plasma One CardNot available, including for physical cardsBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5Bitpanda CardNot disclosed
- Crypto deposits
- Plasma One CardStablecoins: USDT, USDC, USDGBitpanda CardStablecoins: USDC
- Fiat deposits
- Plasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual accountBitpanda CardEUR SEPA deposit
- Transfers
- Plasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawalsBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Plasma One CardUSD, EUR, GBP, MXN, BRL, COPBitpanda CardEUR
Rewards
3 fields- Base cashback
- Plasma One Card2%Bitpanda Card1%
- Max cashback
- Plasma One Card10%Bitpanda Card1%
- Reward currency
- Plasma One CardUSD cashback paid in XPLBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Plasma One CardUp to 5% APYBitpanda CardNot disclosed
- How it works
- Plasma One CardOptional earn vaultBitpanda CardEarn on spending balance
- Separate deposit
- Plasma One CardYesBitpanda CardNo
- Use balance for spending
- Plasma One CardNoBitpanda CardYes
- Lock-up
- Plasma One CardNoBitpanda CardNo
Trust & availability
7 fields- Custody
- Plasma One CardSelf-custodyBitpanda CardCustodial
- Control until payment
- Plasma One CardYou keep controlBitpanda CardProvider controls funds
- Card issuer
- Plasma One CardRain, Third NationalBitpanda CardTransact Payments Malta Limited
- Card processing
- Plasma One Card0xBitpanda CardMarqeta
- Custody / key management
- Plasma One CardPrivy, VedaBitpanda CardNot disclosed
- Deposits & withdrawals
- Plasma One CardBridge, Bridge Ventures LLCBitpanda CardNot disclosed
- Programme operator
- Plasma One CardPlasmaBitpanda CardNot disclosed
Sources
2 fields- Official sources
- Plasma One Card12Bitpanda Card16
- Last reviewed
- Plasma One CardAug 27, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 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%). Plasma One Card has the higher published base cashback rate (2% vs 1%).
Bitpanda Card still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. Plasma One 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.
Plasma One Card lists more stablecoins and ways to send money out (6 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 Plasma One Card and Bitpanda Card reviews first.
Continue with
Plasma One Card
Continue with
Bitpanda Card
05 · Common questions
Plasma One vs Bitpanda FAQ
Is Plasma One or Bitpanda better overall?
Plasma One Card has the higher Overall Score (87 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, Plasma One 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, Plasma One or Bitpanda?
Plasma One Card has the higher published base cashback rate (2% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Plasma One and Bitpanda differ on custody?
Plasma One 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 Plasma One 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.