Bitpanda Card
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.
Is the Bitpanda Card worth it?
The Bitpanda Card is a debit card on Visa, paying up to 1% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 1% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
- you want a card with no annual fee
THINK TWICE IF
- you want to hold your own keys — this card is custodial
How we rate the Bitpanda Card
- Cost25%4.5 / 5
No account, card or monthly fee and no Bitpanda FX markup. ATM withdrawals cost 2% (minimum €2), and a replacement card is €5.90, or €9.90 if lost, stolen or damaged.
- Conditions25%4.5 / 5
No stake, plan or balance is needed, but cashback only applies when you fund a purchase with crypto — paying with EUR, stablecoins, metals or stocks earns nothing.
- Rewards25%3.0 / 5
A flat 1% on crypto-funded purchases, paid in whatever asset you spent, so there is no separate token to sell and no cap to run into.
- Reliability25%4.5 / 5
Regulated EMI issuer (Transact Payments Malta), a long-running exchange, and fees and limits documented in its own help centre.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
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.
Up to 1%, flat 1% cashback on purchases funded with crypto, paid in the same asset you spent. No cashback when paying with EUR, stablecoins, metals or stocks, paid in The same crypto you spend. No staking required for the base rate.
Fees you'll actually meet
ℹ️ Flat 1% cashback on purchases funded with crypto, paid in the same asset you spent. No cashback when paying with EUR, stablecoins, metals or stocks.
How much you can spend
Published by the issuer. One set of limits applies wherever the card is available.
Also capped at €70,000 per week. Minimum card transaction €1.
How much cash you can take out
The maximum total you can withdraw in each period. One set of limits applies wherever the card is available.
Strengths and trade-offs
WORKS FOR YOU IF
- No annual fee
- No Bitpanda FX fee (Visa's rate applies)
- 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)
What sets it apart
- Spend crypto, metals and stocks
- Auto-convert to EUR at POS
- High spending limits in EU
Latest news & analysis
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 and were verified on September 30, 2026. 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.
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