Image: Bitpanda

Bitpanda Card review: fees, cashback and limits

Name: Bitpanda Card
Brand: Bitpanda

A free Visa for the euro area that spends crypto, metals or euros, with 1% back on crypto.

By Taimoor, founder and editor Last checked 16 October 2026 2 sources

6.1out of 10

Quick answer

The Bitpanda Card is a free Visa debit card for euro area residents. It spends any crypto or precious metal on Bitpanda, or euros, and pays 1% cashback on crypto spending (not stablecoins, metals or euros). Bitpanda adds no FX fee, though Visa's rate applies, and ATM withdrawals cost 2% or €2, whichever is higher. Converting crypto at checkout carries a spread of around 1.5% depending on the asset.

Bitpanda Card at a glance

Best for	Euro area investors who already use Bitpanda.
Skip it if	You live outside the euro area or mostly hold stablecoins.
Network	Visa
Card issuer	Transact Payments Malta Limited
Custody	Custodial (Bitpanda account)
Card type	Debit
Virtual or physical	Virtual and physical
Cashback	1% on crypto spending
Annual fee	None
Apple Pay / Google Pay	Yes / Not confirmed
Identity check (KYC)	Required
Where it works	Residents of euro area countries with a verified Bitpanda account.

Bitpanda Card fees

Card cost	Free, including first shipment. Replacement €5.90, lost or stolen €9.90.
Annual or membership fee	None
FX and cross-border	€0 from Bitpanda. Visa's FX rate applies.
Crypto conversion	Asset spread when crypto is sold to pay, around 1.5% depending on the asset
ATM withdrawals	2% or €2, whichever is higher
Other fees	Additional physical card: €10

Visa applies its own exchange rate on top of any card markup. Check the fee page in the Bitpanda Card app for your country before you load money. To see what Bitpanda Card would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Bitpanda Card

$1.50Paid from stablecoins in the card's own currency

$1.50Paid from stablecoins in a foreign currency

$1.50Paid from other crypto, like BTC or ETH

$1.00Cashback on $100 (crypto-funded only), Standard tier

These are Bitpanda Card's own fees on the Standard tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 0% is lower than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 37 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #18 of 36 in Europe (EEA)

Cashback and rewards

1% back when you pay with crypto
No cashback on euros, metals or stablecoins

Deposits and withdrawals

How to top up

Choose any crypto, metal or euros on Bitpanda as your payment asset
Bank transfer euros into Bitpanda

Fees: No top-up step. A fallback asset covers payments if your main one runs low.

How to withdraw

SEPA withdrawals to your bank
ATM cash withdrawals

Fees: ATM 2% or €2 minimum.

Supported assets: All crypto and precious metals on Bitpanda, plus euros.

Where Bitpanda Card works

Residents of euro area countries with a verified Bitpanda account.

Not available outside the euro area.

Europe (EEA)

Limits and perks

Limits

€10,000 a day, €70,000 a week, €280,000 a month
ATM: €500 a day

Perks

Spend gold and silver as well as crypto

Pros and cons

What's good

Free card with no monthly fee
Spend crypto, metals or euros
1% back on crypto spending
Regulated European broker

What's not

No cashback on stablecoins or euros
Conversion spread on crypto
ATM minimum fee of €2
Euro area only

Our take on Bitpanda Card

Bitpanda is one of Europe's biggest retail investment apps, and its card lets you pay with almost anything you hold there, including gold and silver. Pick a main payment asset and a fallback, and the card sells what's needed at checkout.

It's free, Bitpanda adds no FX fee, and crypto spending earns 1% back. The catch is the conversion spread when crypto is sold, which reviewers put around 1.5% depending on the asset, so the 1% cashback mostly offsets it. Spending euros is the cheapest option, but it earns nothing.

A convenient, low-fuss card for Bitpanda users in the euro area. Don't expect real rewards.

How we scored Bitpanda Card: 6.1/10

Methodology

Fees 30%

7 Free card, no Bitpanda FX fee, but a conversion spread.

Rewards 20%

4 1% on crypto only.

Control 20%

6 Regulated EU broker, custodial.

Reach 15%

5 Euro area.

Flexibility 15%

8 Crypto, metals and euros, with SEPA.

Bitpanda Card FAQ

How much does the Bitpanda Card cost?

Free, including first shipment. Replacement €5.90, lost or stolen €9.90. Annual or membership fee: None.

Does Bitpanda Card have cashback?

1% on crypto spending. 1% back when you pay with crypto.

What are the Bitpanda Card FX and ATM fees?

FX: €0 from Bitpanda. Visa's FX rate applies. ATM: 2% or €2, whichever is higher.

Where is Bitpanda Card available?

Residents of euro area countries with a verified Bitpanda account. Not available outside the euro area.

Is Bitpanda Card self-custody?

Custodial (Bitpanda account).

Sources

Bitpanda CardOfficial fees, cashback, limits, eligibility
CoinGecko: Top crypto cards in SwitzerlandConversion spread estimate, Sep 23, 2026

We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.