TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Bitpanda: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 1 point (74 vs 73). Tuyo Card looks stronger for Funds control and Lowest fees, while Bitpanda Card comes out ahead for Cashback, Travel, and Transfers.
Information checked Oct 6, 202628 official sources reviewed
01 · Overall score versus use-case fit
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. Bitpanda Card may be the better fit for Cashback, Travel, 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.
OverallTuyo74Bitpanda73Higher score
CashbackTuyo39Bitpanda60Higher score
TravelTuyo42Bitpanda79Higher score
Funds controlTuyo100Bitpanda56Higher score
Lowest feesTuyo71Bitpanda67Higher score
TransfersTuyo72Bitpanda85Higher score
Choose Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for Funds control and Lowest fees 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
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
Choose Bitpanda Card if cashback and travel matter most
Bitpanda Card comes out ahead for Cashback, Travel, 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
- Tuyo74Bitpanda73
Tuyo Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Tuyo$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
- Tuyo0% base · up to 100%Bitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- TuyoSelf-controlled walletBitpandaCustodial balance
Tuyo 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
- TuyoVirtual · Apple Pay, Google PayBitpandaVirtual + Physical · Apple Pay, Google Pay
Bitpanda Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Bitpanda Card lists more stablecoins and ways to send money out (4 vs 2).
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%-100%
- 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
CardsTuyo CardOverall74Bitpanda CardOverall73
Tuyo CardOverall74Bitpanda CardOverall73Scores
6 fields- Overall Score
- Tuyo Card74Bitpanda Card73
- Cashback score
- Tuyo Card39Bitpanda Card60
- Travel score
- Tuyo Card42Bitpanda Card79
- Funds control score
- Tuyo Card100Bitpanda Card56
- Lowest fees score
- Tuyo Card71Bitpanda Card67
- Transfers score
- Tuyo Card72Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Tuyo Card$0Bitpanda Card$0
- FX fee
- Tuyo Card1–3%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Tuyo 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
- Tuyo Card0%Bitpanda CardNot disclosed
- ATM fee
- Tuyo CardNot availableBitpanda Card2%; min €2
- Virtual card
- Tuyo CardFreeBitpanda CardNot disclosed
- Physical card
- Tuyo CardComing soon; not currently availableBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Tuyo CardNot disclosedBitpanda Card1 plans: Standard
- Top cashback plan
- Tuyo CardNot disclosedBitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Tuyo CardVisaBitpanda CardVisa
- Card formats
- Tuyo CardVirtualBitpanda CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableBitpanda CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Bitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Bitpanda Card€280,000 per month
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Bitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonBitpanda CardNot disclosed
- Crypto deposits
- Tuyo CardStablecoins: USDCBitpanda CardStablecoins: USDC
- Fiat deposits
- Tuyo CardVirtual-account receivingBitpanda CardEUR SEPA deposit
- Transfers
- Tuyo CardStablecoin transfersBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Tuyo CardNot disclosedBitpanda CardEUR
Rewards
3 fields- Base cashback
- Tuyo Card0%Bitpanda Card1%
- Max cashback
- Tuyo Card100%Bitpanda Card1%
- Reward currency
- Tuyo CardUSDBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYBitpanda CardNot disclosed
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultBitpanda CardEarn on spending balance
- Separate deposit
- Tuyo CardYesBitpanda CardNo
- Use balance for spending
- Tuyo CardYesBitpanda CardYes
- Lock-up
- Tuyo CardNot disclosedBitpanda CardNo
Trust & availability
6 fields- Custody
- Tuyo CardSelf-custodyBitpanda CardCustodial
- Control until payment
- Tuyo CardYou keep controlBitpanda CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalBitpanda CardTransact Payments Malta Limited
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Bitpanda CardMarqeta
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Bitpanda CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedBitpanda CardNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12Bitpanda Card16
- Last reviewed
- Tuyo CardAug 5, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 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 1–3%). Bitpanda Card has the higher published base cashback rate (1% vs 0%).
Bitpanda Card still comes out ahead for Cashback, Travel, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tuyo 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 2). 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 Tuyo Card and Bitpanda Card reviews first.
Continue with
Tuyo Card
Continue with
Bitpanda Card
05 · Common questions
Tuyo vs Bitpanda FAQ
Is Tuyo or Bitpanda better overall?
Tuyo Card has the higher Overall Score (74 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, Tuyo 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, Tuyo 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 Tuyo and Bitpanda differ on custody?
Tuyo 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 Tuyo 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.