Bitpanda Card

Bitpanda · Visa · debit · Custodial

20 countriesVerified 5 Sep 2026

At $1,000/month spend with no stake, Bitpanda Card nets +$120 a year. According to Cardefi data, 7 of 8 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at Bitpandadirect — pays us nothing

Cashback at your stake: 1.0%
Min. stake for rewards: None
Annual fee: $0
FX fee: 0.0%
Net value / yr: +$120
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Standard	Standard	1.0%	+$120

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	1.0% × $12,000	+$120
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	0.0% × $3,000	−$0
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$120

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card. What this issuer charges to buy crypto with a card.

Annual fee	€0 / year 1 source “Account opening \| Free”[3] · landing · captured 5 Sep 2026
Monthly fee	€0 / month 1 source “Monthly cost \| Free”[3] · landing · captured 5 Sep 2026
Card issuance	€0First card and delivery free; each additional physical card €10 2 sources “Initial shipment \| Free”[3] · landing · captured 5 Sep 2026 “The first card order is free of charge.”[4] · help_center · captured 5 Sep 2026
Foreign transaction (FX)	0.0%0% from Bitpanda; the Visa rate markup applies 2 sources “Non-EUR FX Fee \| €0”[3] · landing · captured 5 Sep 2026 “For non Euro transactions (VISA mark-up fees apply)”[3] · landing · captured 5 Sep 2026
Crypto conversion / spread	— not disclosedPaying with crypto sells the asset for EUR at Bitpanda's rate; the trading fee and spread are not disclosed on the card page
ATM withdrawal	2.0%2% or €2, whichever is greater; no free allowance 1 source “Min. ATM fee \| 2% or €2 (whatever is higher)”[3] · landing · captured 5 Sep 2026
ATM fixed fee	€2 / txMinimum €2 per withdrawal 1 source “Min. ATM fee \| 2% or €2 (whatever is higher)”[3] · landing · captured 5 Sep 2026
Card replacement	€5.90 1 source “Replacement card (Reissue) \| €5.90”[3] · landing · captured 5 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Standard	1.0% · None · Cap: not disclosed · Paid in same crypto asset as spent 2 sources “The applicable Cashback percentage is fixed at 1% of all Qualifying Transactions”[5] · legal · captured 5 Sep 2026 “Cashback rewards are set at a flat rate of 1% for all users.”[6] · help_center · captured 5 Sep 2026

No rewards on: Payments funded by fiat EUR, stablecoins, metals, Bitpanda Stocks, MCC 4829 money transfer, MCC 6012, MCC 6050/6051 quasi cash, MCC 7801/7802/7995 gambling.

Limits

Spend per day	€10,000 / day 1 source “Daily Expenditure \| €10,000”[3] · landing · captured 5 Sep 2026
Spend per month	€280,000 / month 1 source “Monthly Expenditure \| €280,000”[3] · landing · captured 5 Sep 2026
ATM per day	€500 / day 1 source “Daily ATM Withdrawals \| €500”[3] · landing · captured 5 Sep 2026
Cards per user	3 1 source “You can also order a virtual-only card, up to three active cards at the same time.”[4] · help_center · captured 5 Sep 2026

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Crypto conversion / spread. Paying with crypto sells the asset for EUR at Bitpanda's rate; the trading fee and spread are not disclosed on the card page

Sources

6 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

support.bitpanda.com/hc/en-us/articles/16259273206044-Bitpanda-s-fees-and-premiums-explained · fees_page · 6 Sep 2026
support.bitpanda.com/hc/en-us/articles/360000123199-Payment-methods-and-limits · help_center · 6 Sep 2026
www.bitpanda.com/en/card · landing · 5 Sep 2026
support.bitpanda.com/hc/en-us/articles/360018933120 · help_center · 5 Sep 2026
cdn.bitpanda.com/terms-and-conditions/bitpanda-card-bitpanda-en-2.0.0.pdf · legal · 5 Sep 2026
support.bitpanda.com/hc/en-us/articles/4413398057490 · help_center · 5 Sep 2026

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Access & funding

Regions: 20 countries
KYC: full
Top-up: Bitpanda balance
Fiat: EUR
Assets: 600+ crypto assets, EUR, Metals
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Custodial. The issuer holds your funds; check its licence below.

Who is behind the card

Brand / programme: Bitpanda Payments GmbH
Infrastructure: — not disclosed
Issuer of record: Transact Payments Malta Ltd (MT)
Licence: —
Network: Visa
Custody: Custodial · emi safeguarding

2 sources

“This Visa card is issued by Transact Payments Malta Limited pursuant to licence by VISA Europe Limited.”[3] · landing · captured 5 Sep 2026

“Bitpanda Card is offered in partnership with Transact Payments Malta Limited “TPML”, a company incorporated in Malta”[5] · legal · captured 5 Sep 2026

Status

Now: Live

“Earn 1% cashback on all crypto asset spending”bitpanda.com · captured 5 Sep 2026

Where you can get it

Eurozone: 20 countries: AT, BE, BG, HR, EE, FI, FR, DE, GR, IE, IT, LV, LT, LU, MT, NL, PT, SK, SI, ES

2 sources

“You must be a resident in a country in the euro area. These are countries that have adopted the euro as their primary currency.”bitpanda.com · landing · captured 5 Sep 2026

“this card is available in all Eurozone countries, except Cyprus & Liechtenstein.”support.bitpanda.com · help_center · captured 5 Sep 2026

Availability and terms by country ↓

Trust

Verified: 5 Sep 2026
Coverage: 7 of 8 key figures verified, 1 not disclosed
Confidence: B official sources only
Disclosure: public page
Source: bitpanda.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 20 countries are listed as available in total.

Country	Status	Issuer / licence
Germany	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Spain	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Ireland	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Netherlands	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Portugal	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Greece	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Austria	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Belgium	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Latvia	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Slovakia	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Croatia	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Bulgaria	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd
Estonia	Availablechecked 5 Sep 2026	Transact Payments Malta Ltd

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Bitpanda Card charge on foreign currency?: Bitpanda Card adds 0.0% on transactions in a currency other than the account currency.
Does Bitpanda Card charge an annual fee?: The annual fee for Bitpanda Card is $0.
How much cashback does Bitpanda Card pay?: Bitpanda Card pays up to 1.0%, which is the highest rate any of its tiers reaches.
Does Bitpanda Card work with Apple Pay or Google Pay?: Bitpanda Card works with Apple Pay and Google Pay.
What does Bitpanda Card charge at an ATM?: Bitpanda Card charges 2.0% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind Bitpanda Card?: The issuer does. Spending on Bitpanda Card draws on a balance held by the provider, not in a wallet you control.
Does Bitpanda Card require identity verification?: Yes. Bitpanda Card requires full identity verification before the card can be used.