Xapo BankXapo
70
Side-by-side card comparison
Xapo vs Bitpanda: overall score versus use-case fit
Bitpanda Card has the higher Overall Score by 3 points (73 vs 70). Xapo Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Bitpanda Card comes out ahead for Cashback.
Information checked Oct 6, 202637 official sources reviewed
01 · Overall score versus use-case fit
Bitpanda Card is the better all-round starting point
Bitpanda Card has the higher Overall Score in this comparison. Xapo Card may be the better fit for Travel, Funds control, 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.
OverallXapo70Bitpanda73Higher score
CashbackXapo24Bitpanda60Higher score
TravelXapo91Bitpanda79Higher score
Funds controlXapo64Bitpanda56Higher score
Lowest feesXapo78Bitpanda67Higher score
TransfersXapo100Bitpanda85Higher score
Choose Xapo Card if travel and funds control matter most
Xapo Card comes out ahead for 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 Xapo FX markup
- Account-backed bank and crypto rails
Choose Bitpanda Card if cashback matters most
Bitpanda Card comes out ahead for Cashback 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
- Xapo70Bitpanda73
Bitpanda Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Xapo$1,000/year plan · 0–0.29% 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 $1,000/year).
- Purchase rewards
- Xapo0% base · up to 3%Bitpanda1% cashback
Bitpanda Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- XapoCustodial balanceBitpandaCustodial balance
Xapo Card and Bitpanda Card use the same custodial balance setup.
- Everyday access
- XapoVirtual + Physical · UnknownBitpandaVirtual + Physical · Apple Pay, Google Pay
Bitpanda Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Xapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payoutBitpanda2 stablecoins · Stablecoin transfers; EUR SEPA withdrawal
Xapo Card lists more stablecoins and ways to send money out (8 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
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 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
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
CardsXapo CardOverall70Bitpanda CardOverall73
Xapo CardOverall70Bitpanda CardOverall73Scores
6 fields- Overall Score
- Xapo Card70Bitpanda Card73
- Cashback score
- Xapo Card24Bitpanda Card60
- Travel score
- Xapo Card91Bitpanda Card79
- Funds control score
- Xapo Card64Bitpanda Card56
- Lowest fees score
- Xapo Card78Bitpanda Card67
- Transfers score
- Xapo Card100Bitpanda Card85
Strengths & trade-offs
2 fields- Strengths
- Xapo CardNo Xapo FX markup, Account-backed bank and crypto railsBitpanda CardNo monthly fee, Apple Pay and Google Pay
- Trade-offs
- Xapo Card$1,000 annual membership, Cashback is temporary and capped ambiguouslyBitpanda CardAsset sale fees on payments, Limited cashback eligibility
Costs
7 fields- Plan cost
- Xapo Card$1,000/yearBitpanda Card$0
- FX fee
- Xapo Card0–0.29%Bitpanda Card0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
- Top-up fee
- Xapo CardNo direct card top-up; the Xapo Account balance funds card spendingBitpanda 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
- Xapo Card0%Bitpanda CardNot disclosed
- ATM fee
- Xapo Card0–2%Bitpanda Card2%; min €2
- Virtual card
- Xapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosedBitpanda CardNot disclosed
- Physical card
- Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosedBitpanda CardFirst card free. One active physical card per user.
Plans
2 fields- Available plans
- Xapo Card1 plans: Xapo Bank membershipBitpanda Card1 plans: Standard
- Top cashback plan
- Xapo CardXapo Bank membership: 0%Bitpanda CardStandard: 1%
Everyday use
8 fields- Network
- Xapo CardVisa/MastercardBitpanda CardVisa
- Card formats
- Xapo CardVirtual, PhysicalBitpanda CardVirtual, Physical
- ATM withdrawals
- Xapo CardAvailableBitpanda CardAvailable
- Mobile wallets
- Xapo CardNot disclosedBitpanda CardApple Pay, Google Pay
- Apps
- Xapo CardiOS, AndroidBitpanda CardiOS, Android, Web
- Daily spending limit
- Xapo Card$50,000 daily for point-of-sale and online purchasesBitpanda Card€10,000 per day; €70,000 per week. Minimum card payment €1.
- Monthly spending limit
- Xapo Card$250,000 monthly under the Visa Europe programmeBitpanda Card€280,000 per month
- ATM limit
- Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthlyBitpanda Card€500 per day
Funding & transfers
5 fields- Networks
- Xapo CardBitcoin, Lightning, Ethereum, Tron, SolanaBitpanda CardNot disclosed
- Crypto deposits
- Xapo CardStablecoins: USDC, USDT; Other crypto: BTCBitpanda CardStablecoins: USDC
- Fiat deposits
- Xapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receiveBitpanda CardEUR SEPA deposit
- Transfers
- Xapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payoutBitpanda CardStablecoin transfers; EUR SEPA withdrawal
- Payout currencies
- Xapo CardUSD, GBP, EURBitpanda CardEUR
Rewards
3 fields- Base cashback
- Xapo Card0%Bitpanda Card1%
- Max cashback
- Xapo Card3%Bitpanda Card1%
- Reward currency
- Xapo CardBTCBitpanda CardSame eligible cryptocurrency used for payment
Earn
5 fields- Advertised APY
- Xapo CardUp to 3.35% APYBitpanda CardNot disclosed
- How it works
- Xapo CardEarn on spending balanceBitpanda CardEarn on spending balance
- Separate deposit
- Xapo CardNoBitpanda CardNo
- Use balance for spending
- Xapo CardYesBitpanda CardYes
- Lock-up
- Xapo CardNoBitpanda CardNo
Trust & availability
5 fields- Custody
- Xapo CardCustodialBitpanda CardCustodial
- Control until payment
- Xapo CardProvider controls fundsBitpanda CardProvider controls funds
- Card issuer
- Xapo CardTransact Payments Malta LimitedBitpanda CardTransact Payments Malta Limited
- Card processing
- Xapo CardNot disclosedBitpanda CardMarqeta
- Bank transfers
- Xapo CardXapo Bank LimitedBitpanda CardNot disclosed
Sources
2 fields- Official sources
- Xapo Card21Bitpanda Card16
- Last reviewed
- Xapo CardSep 1, 2026Bitpanda CardOct 6, 2026
04 · The trade-off
Bitpanda Card is the stronger all-round choice
Bitpanda Card finishes ahead with an Overall Score of 73 versus 70 for Xapo Card. Bitpanda Card has the lower starting plan cost ($0 vs $1,000/year). Bitpanda Card has the higher published base cashback rate (1% vs 0%).
Xapo Card still comes out ahead for Travel, Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Xapo Card and Bitpanda Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card and Bitpanda Card reviews first.
Continue with
Xapo Card
Continue with
Bitpanda Card
05 · Common questions
Xapo vs Bitpanda FAQ
Is Xapo or Bitpanda better overall?
Bitpanda Card has the higher Overall Score (73 vs 70). 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, Xapo or Bitpanda?
Bitpanda Card has the lower starting plan cost ($0 vs $1,000/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, Xapo 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 Xapo and Bitpanda differ on custody?
Xapo Card and Bitpanda Card use the same custodial balance setup.
How current is this Xapo vs Bitpanda comparison?
The latest information check for these two cards was October 6, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.