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DEBIT · VISANo annual fee

Bitpanda Card

by Transact Payments Malta Ltd · EU

Visa debit card linked to your Bitpanda investment account. Spend crypto, metals and stocks by automatically converting to EUR at point of sale. Flat 1% cashback on crypto spending. High spending limits for Eurozone residents.

Referral link, see our affiliate disclosure
DEBITBitpanda Card logo
BITPANDA CARD
Visa
MAX REWARD
1%
ANNUAL FEE
Free
FX FEE
0%
KEY FACTS

The card at a glance

CARD TYPE
Debit
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
Free
Cost to hold the card
MAX REWARD
1%
Flat 1% cashback in BEST tokens on crypto spending
REWARDS IN
BEST (Bitpanda Ecosystem Token)
How rewards are paid
FX FEE
0%
On foreign-currency spend
REGION
EU
Where it's available
STAKING
Not required
Lock-up to earn rewards
REWARDS

Earning 1%

The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.

Reward summary

Up to 1%, flat 1% cashback in best tokens on crypto spending, paid in BEST (Bitpanda Ecosystem Token). No staking required for the base rate.

COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
0%
ATM withdrawal
Cash withdrawal cost
Free up to €400/mo, then 1.75%
Crypto conversion
When spending crypto directly
Free (conversion spread applies)
Issuance fee
One-off cost to get the card
Free

ℹ️ Flat 1% cashback in BEST tokens on crypto spending

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF
✓No annual fee
✓0% FX fees
✓1% cashback on crypto spending
✓Apple Pay and Google Pay
✓Bitpanda investment integration
LOOK ELSEWHERE IF
!EU only
!Only 1% cashback
!Custodial model
!Spend triggers asset sale (taxable event)
STANDOUT FEATURES

What sets it apart

✦Spend crypto, metals and stocks
✦Auto-convert to EUR at POS
✦High spending limits in EU
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ No staking
ABOUT THIS CARD

Common questions

Where can I use the Bitpanda Card?
+
Does the Bitpanda Card have an annual fee?
+
Do I need to stake anything to earn rewards?
+
How much can I earn with the Bitpanda Card?
+
Does it work with Apple Pay and Google Pay?
+

Figures on this page come from Transact Payments Malta Ltd's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.

TRANSACT PAYMENTS MALTA LTD
Up to 1%
No annual fee · 0% FX
Apply now →
You apply on the issuer's own site. We may earn a referral fee.

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REGIONS
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1 Reward rates are the issuer's published maximum. Reaching them can require a staking tier, a spending category or a monthly cap.

2 FX and ATM fees are taken from each issuer's fee schedule and re-checked weekly. Regional variants may differ.

3 Some issuers pay us a referral fee. It never changes the ranking. Read our methodology.

© 2026 Cryptocards.oneTermsPrivacyAffiliate disclosure
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Not financial advice. Crypto involves risk, including loss of capital. Terms vary by region, verify with each issuer.