Specifications
| Card network | Visa |
|---|---|
| Provider | Bitpanda (Austria) / Transact Payments Malta |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | EUR |
| Available in | Eurozone countries |
| Supported chains | Multiple via Bitpanda platform |
| Supported assets | BTC, ETH, USDC, USDT and 600+ assets including stocks, ETFs, metals |
| Issuance fee | $11 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | 2% + $2 |
| Top-up fee | 0% |
| Foreign transaction fee | 0% |
| Cashback | Up to 2% in BTC (realistic ~1%) |
| Daily spend limit | $10000 |
| Monthly spend limit | — |
| Last verified | 2026-04-30 |
What to watch out for
Spend any asset (crypto/stocks/metals/fiat) with real-time conversion; only crypto spending qualifies for cashback; no monthly fees; €9.90 card shipment; FX fees removed (was previously charged); MiCAR-regulated; founded 2014, 7M+ users, BaFin oversight
Editorial notes
ATM withdrawals expensive (5.2% local, 10.6% international per €200 - among most expensive); BEST token requirements for top tier; daily limit €10,000; conversion costs ~2.99% (above market average); cashback up to 2% realistic only with significant BEST holdings; Cyprus/Liechtenstein excluded; Trade Republic and traditional brokerages now main competitors
Frequently asked questions
Where is the Bitpanda Card available?
As of 2026-04-30, Bitpanda Card is available to residents of European Economic Area. Specific country list: Eurozone countries.
How does the Bitpanda Card cashback work?
Bitpanda Card offers up to 2% cashback paid in BTC. Tiered by BEST token holdings: 0% with no BEST; minimum 5K BEST for any cashback (~0.5%); 50K BEST holdings unlocks max 2% cashback. Cashback paid in BTC. Only on crypto-asset spending (fiat/stocks/metals/stablecoins excluded). EU only (Eurozone residents). In practice, the realistic effective rate for most users is around 1%.
What are the fees on the Bitpanda Card?
Bitpanda Card has an issuance fee of $11, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Does Bitpanda Card hold my crypto?
Yes. Bitpanda Card is a pre-funded card — you transfer crypto or stablecoins to a balance held by the provider, and the card spends from that balance. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently — confirm with the issuer before signing up. See our methodology for how we collect and verify this data.