SolayerSolayer Pay
55
Side-by-side card comparison
Solayer Pay vs Bitpanda: fees, rewards and account setup
Bitpanda Card has the higher Overall Score by 18 points (73 vs 55). Bitpanda Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Oct 6, 202641 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. Solayer Pay 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.
OverallSolayer Pay55Bitpanda73Higher score
CashbackSolayer Pay21Bitpanda60Higher score
TravelSolayer Pay53Bitpanda79Higher score
Funds controlSolayer Pay47Bitpanda56Higher score
Lowest feesSolayer Pay43Bitpanda67Higher score
TransfersSolayer Pay29Bitpanda85Higher score
Choose Solayer Pay Card if its day-to-day setup suits you
Solayer Pay 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.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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
- Solayer Pay55Bitpanda73
Bitpanda Card has the higher Overall Score by 18 points.
- Entry cost & FX
- Solayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack 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 starting plan cost ($0 vs $20/year).
- Purchase rewards
- Solayer Pay0% baseBitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Solayer PayCustodial balanceBitpandaCustodial balance
Solayer Pay Card and Bitpanda Card use the same custodial balance setup.
- Everyday access
- Solayer PayVirtual + 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
- Solayer Pay1 stablecoin · Not modeledBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Bitpanda Card lists more stablecoins and ways to send money out (4 vs 1).
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% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 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
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
CardsSolayer Pay CardOverall55Bitpanda CardOverall73
Solayer Pay CardOverall55Bitpanda CardOverall73Scores
6 fields- Overall Score
- Solayer Pay Card55Bitpanda Card73
- Cashback score
- Solayer Pay Card21Bitpanda Card60
- Travel score
- Solayer Pay Card53Bitpanda Card79
- Funds control score
- Solayer Pay Card47Bitpanda Card56
- Lowest fees score
- Solayer Pay Card43Bitpanda Card67
- Transfers score
- Solayer Pay Card29Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Solayer Pay CardVirtual and physical Visa cards, Spend USDC from SolanaBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Solayer Pay CardPurchases earn Emerald Points, FX costs vary by regionBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Solayer Pay Card$20/yearBitpanda Card$0
- FX fee
- Solayer Pay CardUp to 3% stated + $0.10; components may stackBitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Solayer Pay Card1%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
- Solayer Pay Card$0.15Bitpanda CardNot disclosed
- ATM fee
- Solayer Pay CardNot disclosedBitpanda Card2%; min €2
- Virtual card
- Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planBitpanda CardNot disclosed
- Physical card
- Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99Bitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Solayer Pay Card1 plans: Solayer PayBitpanda Card1 plans: Standard
- Top cashback plan
- Solayer Pay CardNot disclosedBitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Solayer Pay CardVisaBitpanda CardVisa
- Card formats
- Solayer Pay CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Solayer Pay CardAvailableBitpanda CardAvailable
- Mobile wallets
- Solayer Pay CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Solayer Pay CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Solayer Pay CardShown in appBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Solayer Pay CardShown in appBitpanda Card€280,000 per month
- ATM limit
- Solayer Pay CardLimits shown in appBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Solayer Pay CardSolanaBitpanda CardNot disclosed
- Crypto deposits
- Solayer Pay CardStablecoins: USDCBitpanda CardStablecoins: USDC
- Fiat deposits
- Solayer Pay CardNot disclosedBitpanda CardEUR SEPA deposit
- Transfers
- Solayer Pay CardNot disclosedBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Solayer Pay CardNot disclosedBitpanda CardEUR
Rewards
3 fields- Base cashback
- Solayer Pay Card0%Bitpanda Card1%
- Max cashback
- Solayer Pay CardNot disclosedBitpanda Card1%
- Reward currency
- Solayer Pay CardEmerald PointsBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Solayer Pay CardUp to 3.5% APYBitpanda CardNot disclosed
- How it works
- Solayer Pay CardEarn on spending balanceBitpanda CardEarn on spending balance
- Separate deposit
- Solayer Pay CardNoBitpanda CardNo
- Use balance for spending
- Solayer Pay CardYesBitpanda CardYes
- Lock-up
- Solayer Pay CardNoBitpanda CardNo
Trust & availability
6 fields- Custody
- Solayer Pay CardCustodialBitpanda CardCustodial
- Control until payment
- Solayer Pay CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Solayer Pay CardThird NationalBitpanda CardTransact Payments Malta Limited
- Card processing
- Solayer Pay CardNot disclosedBitpanda CardMarqeta
- Identity verification
- Solayer Pay CardSumsubBitpanda CardNot disclosed
- Programme operator
- Solayer Pay CardSolayer Labs, Inc.Bitpanda CardNot disclosed
Sources
2 fields- Official sources
- Solayer Pay Card25Bitpanda Card16
- Last reviewed
- Solayer Pay CardAug 12, 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 55 for Solayer Pay Card. Bitpanda Card has the lower starting plan cost ($0 vs $20/year). Bitpanda Card has the higher published base cashback rate (1% vs 0%).
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Solayer Pay Card and Bitpanda Card use the same custodial balance setup.
Bitpanda Card lists more stablecoins and ways to send money out (4 vs 1). 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 Solayer Pay Card and Bitpanda Card reviews first.
Continue with
Solayer Pay Card
Continue with
Bitpanda Card
05 · Common questions
Solayer Pay vs Bitpanda FAQ
Is Solayer Pay or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 55). 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, Solayer Pay or Bitpanda?
Bitpanda Card has the lower starting plan cost ($0 vs $20/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Solayer Pay 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 Solayer Pay and Bitpanda differ on custody?
Solayer Pay Card and Bitpanda Card use the same custodial balance setup.
How current is this Solayer Pay vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.