TangemTangem
77
Side-by-side card comparison
Tangem vs Bitpanda: overall score versus use-case fit
Tangem Card has the higher Overall Score by 4 points (77 vs 73). Tangem Card looks stronger for Cashback and Funds control, while Bitpanda Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Oct 11, 202636 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Bitpanda Card may be the better fit for Travel, Lowest fees, and Transfers. 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.
OverallTangem77Bitpanda73Higher score
CashbackTangem73Bitpanda60Higher score
TravelTangem63Bitpanda79Higher score
Funds controlTangem87Bitpanda56Higher score
Lowest feesTangem52Bitpanda67Higher score
TransfersTangem65Bitpanda85Higher score
Choose Tangem Card if cashback and funds control matter most
Tangem Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Bitpanda Card if travel and lowest fees matter most
Bitpanda Card comes out ahead for 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
- Tangem77Bitpanda73
Tangem Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown 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
- Tangem1% base · up to 2%Bitpanda1% cashback
Both cards show the same base cashback rate of 1%.
- Funds control
- TangemHybrid custodyBitpandaCustodial balance
Tangem 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
- TangemVirtual + 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
- Tangem2 stablecoins · Stablecoin transfersBitpanda2 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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 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
CardsTangem CardOverall77Bitpanda CardOverall73
Tangem CardOverall77Bitpanda CardOverall73Scores
6 fields- Overall Score
- Tangem Card77Bitpanda Card73
- Cashback score
- Tangem Card73Bitpanda Card60
- Travel score
- Tangem Card63Bitpanda Card79
- Funds control score
- Tangem Card87Bitpanda Card56
- Lowest fees score
- Tangem Card52Bitpanda Card67
- Transfers score
- Tangem Card65Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Bitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Tangem Card$0Bitpanda Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownBitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateBitpanda 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
- Tangem Card0%Bitpanda CardNot disclosed
- ATM fee
- Tangem Card2–4%Bitpanda Card2%; min €2
- Virtual card
- Tangem Card$0 for the first virtual cardBitpanda CardNot disclosed
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusBitpanda Card1 plans: Standard
- Top cashback plan
- Tangem CardPlus: 2%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Tangem CardVisaBitpanda CardVisa
- Card formats
- Tangem CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableBitpanda CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthBitpanda Card€280,000 per month
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumBitpanda CardNot disclosed
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTBitpanda CardStablecoins: USDC
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositBitpanda CardEUR SEPA deposit
- Transfers
- Tangem CardStablecoin transfersBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Tangem CardNot disclosedBitpanda CardEUR
Rewards
3 fields- Base cashback
- Tangem Card1%Bitpanda Card1%
- Max cashback
- Tangem Card2%Bitpanda Card1%
- Reward currency
- Tangem CardUSDCBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Tangem CardNot offeredBitpanda CardNot disclosed
- How it works
- Tangem CardNot offeredBitpanda CardEarn on spending balance
- Separate deposit
- Tangem CardNot offeredBitpanda CardNo
- Use balance for spending
- Tangem CardNot offeredBitpanda CardYes
- Lock-up
- Tangem CardNot offeredBitpanda CardNo
Trust & availability
5 fields- Custody
- Tangem CardHybrid custodyBitpanda CardCustodial
- Control until payment
- Tangem CardYou keep controlBitpanda CardProvider controls funds
- Card issuer
- Tangem CardThird NationalBitpanda CardTransact Payments Malta Limited
- Card processing
- Tangem CardPaera LLCBitpanda CardMarqeta
- Identity verification
- Tangem CardSumsubBitpanda CardNot disclosed
Sources
2 fields- Official sources
- Tangem Card20Bitpanda Card16
- Last reviewed
- Tangem CardOct 11, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 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 still comes out ahead for Travel, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tangem 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 Tangem Card and Bitpanda Card reviews first.
Continue with
Tangem Card
Continue with
Bitpanda Card
05 · Common questions
Tangem vs Bitpanda FAQ
Is Tangem or Bitpanda better overall?
Tangem Card has the higher Overall Score (77 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, Tangem 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, Tangem 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 Tangem and Bitpanda differ on custody?
Tangem 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 Tangem vs Bitpanda comparison?
The latest information check for these two cards was October 11, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.