Trade Republic Card vs Bitpanda Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

DEBITTrade Republic Bank GmbH logo
CASHBACK
2%
ANNUAL FEE
Free
TRADE REPUBLIC CARD
TRADE REPUBLIC BANK GMBH
VISA

Trade Republic Card

Trade Republic Bank GmbH
  • No fees
  • No FX fees
  • No staking
  • Apple Pay
DEBITTransact Payments Malta Ltd logo
CASHBACK
1%
ANNUAL FEE
Free
BITPANDA CARD
TRANSACT PAYMENTS MALTA LTD
VISA

Bitpanda Card

Transact Payments Malta Ltd
  • No fees
  • No staking
  • Apple Pay
  • Google Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Trade Republic Card and the Bitpanda Card
CriterionTrade Republic CardBitpanda Card
Overall4.3 / 54.1 / 5
Cost 25%5.0No monthly fee and a free virtual card (a physical card is €5 one-off), no FX markup, and ATM withdrawals free from €100 — €1 below that.4.5No 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.
Conditions 25%4.5Saveback needs a savings plan of at least €50 a month, and the rate is capped at €15 a month from cash spending or €30 when paying with crypto.4.5No 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.
Rewards 25%3.01% of card spending invested into your savings plan, or 2% when paying with crypto — about €15 a month at typical spending, paid as investments rather than cash.3.0A 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.
Reliability 25%4.5A licensed German bank with the conditions and caps documented plainly in its own support pages.4.5Regulated EMI issuer (Transact Payments Malta), a long-running exchange, and fees and limits documented in its own help centre.
QUICK VERDICT

Who wins on what

  • HIGHER HEADLINE CASHBACK
    Trade Republic Card
    Up to 2% vs 1%

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: Auto-invested via Savings Plan on the Trade Republic Card, The same crypto you spend on the Bitpanda Card.
EVERY FIELD

Trade Republic Card vs Bitpanda Card, side by side

Full field-by-field comparison of the Trade Republic Card and the Bitpanda Card
FieldTrade Republic CardBitpanda Card
Card typeDebitDebit
NetworkVisaVisa
Max cashbackUp to 2%1%
Rewards paid inAuto-invested via Savings PlanThe same crypto you spend
Annual feeFreeFree
Monthly feeNoneNone
FX fee0%0% Bitpanda markup — Visa's exchange rate and mark-up apply
ATM feeFree for withdrawals of €100 or more; €1 below €1002% or €2 minimum, whichever is higher
Crypto conversionFreeFree
(conversion spread applies)
Where it worksAustria, Belgium, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Netherlands, Poland, Portugal, Slovakia, Slovenia, SpainAustria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain (euro-area residents only; NOT available in: UK)
Self-custodyNoNo
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual card——

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

COMMON QUESTIONS

Trade Republic Card vs Bitpanda Card: common questions

Which is better, the Trade Republic Card or the Bitpanda Card?

It depends on what you optimise for. Trade Republic Card is a debit card advertising up to 2%; Bitpanda Card is a debit card advertising 1%. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Trade Republic Card and the Bitpanda Card?

Usually yes — these are separate products from different issuers, so holding one does not prevent you from applying for the other, provided you meet each issuer's own eligibility and region requirements.

GO DEEPER

Read the full review of each

Trade Republic Card review →Bitpanda Card review →Compare three cards instead

Other cards worth a look