WirexWirex One
77
Side-by-side card comparison
Wirex One vs Bitpanda: fees, rewards and account setup
Wirex One Card has the higher Overall Score by 4 points (77 vs 73). Wirex One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Bitpanda Card may still be the better personal fit.
Information checked Oct 6, 202652 official sources reviewed
01 · Make the first cut
Wirex One Card is the better all-round starting point
Wirex One Card has the higher Overall Score in this comparison. Bitpanda 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.
OverallWirex One77Bitpanda73Higher score
CashbackWirex One70Bitpanda60Higher score
TravelWirex One85Bitpanda79Higher score
Funds controlWirex One73Bitpanda56Higher score
Lowest feesWirex One68Bitpanda67Higher score
TransfersWirex One94Bitpanda85Higher score
Choose Wirex One Card if cashback and travel matter most
Wirex One 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.
- Five current card tiers
- 0.5% to 8% cashback in USD
- Self-custodial digital assets
Choose Bitpanda Card if its day-to-day setup suits you
Bitpanda 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.
- 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
- Wirex One77Bitpanda73
Wirex One Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Wirex One$0 plan · 0% 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
- Wirex One0.5% base · up to 8%Bitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- Wirex OneNon-custodial accountBitpandaCustodial balance
Wirex One Card uses a non-custodial account 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
- Wirex 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
- Wirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payoutsBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Wirex One Card lists more stablecoins and ways to send money out (6 vs 4).
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
- 0.5%-8%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 3 crypto · 3 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
CardsWirex One CardOverall77Bitpanda CardOverall73
Wirex One CardOverall77Bitpanda CardOverall73Scores
6 fields- Overall Score
- Wirex One Card77Bitpanda Card73
- Cashback score
- Wirex One Card70Bitpanda Card60
- Travel score
- Wirex One Card85Bitpanda Card79
- Funds control score
- Wirex One Card73Bitpanda Card56
- Lowest fees score
- Wirex One Card68Bitpanda Card67
- Transfers score
- Wirex One Card94Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Wirex One Card$0Bitpanda Card$0
- FX fee
- Wirex One Card0%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Wirex One 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
- Wirex One CardNot disclosedBitpanda CardNot disclosed
- ATM fee
- Wirex One Card2%Bitpanda Card2%; min €2
- Virtual card
- Wirex One CardIncluded on every membership tierBitpanda CardNot disclosed
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Bitpanda Card1 plans: Standard
- Top cashback plan
- Wirex One CardBespoke: 8%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Wirex One CardVisaBitpanda CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableBitpanda CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google PayBitpanda CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appBitpanda Card€280,000 per month
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedBitpanda CardNot disclosed
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCBitpanda CardStablecoins: USDC
- Fiat deposits
- Wirex One CardBank funding, External card top-upBitpanda CardEUR SEPA deposit
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Wirex One CardUSD, EUR, GBPBitpanda CardEUR
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Bitpanda Card1%
- Max cashback
- Wirex One Card8%Bitpanda Card1%
- Reward currency
- Wirex One CardUSD cashbackBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredBitpanda CardNot disclosed
- How it works
- Wirex One CardNot offeredBitpanda CardEarn on spending balance
- Separate deposit
- Wirex One CardNot offeredBitpanda CardNo
- Use balance for spending
- Wirex One CardNot offeredBitpanda CardYes
- Lock-up
- Wirex One CardNot offeredBitpanda CardNo
Trust & availability
6 fields- Custody
- Wirex One CardNon-custodialBitpanda CardCustodial
- Control until payment
- Wirex One CardNot disclosedBitpanda CardProvider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedBitpanda CardTransact Payments Malta Limited
- Card processing
- Wirex One CardNot disclosedBitpanda CardMarqeta
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Bitpanda CardNot disclosed
- Programme operator
- Wirex One CardUAB WirexBitpanda CardNot disclosed
Sources
2 fields- Official sources
- Wirex One Card36Bitpanda Card16
- Last reviewed
- Wirex One CardAug 12, 2026Bitpanda CardOct 6, 2026
04 · The takeaway
Wirex One Card is the stronger all-round choice
Wirex One 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. Bitpanda Card has the higher published base cashback rate (1% vs 0.5%).
Bitpanda Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Wirex One Card uses a non-custodial account setup, while Bitpanda Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Wirex 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 Wirex One Card and Bitpanda Card reviews first.
Continue with
Wirex One Card
Continue with
Bitpanda Card
05 · Common questions
Wirex One vs Bitpanda FAQ
Is Wirex One or Bitpanda better overall?
Wirex One 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, Wirex One 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, Wirex One or Bitpanda?
Bitpanda Card has the higher published base cashback rate (1% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Wirex One and Bitpanda differ on custody?
Wirex One Card uses a non-custodial account 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 Wirex One vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.