Bitpanda Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free; replacement of a lost, stolen or damaged card €5.90; expired card replaced free; up to three virtual cards; one landing-page FAQ answer still says €9.90 |
|---|---|
| Annual fee | Free |
| FX fee | 0% Bitpanda FX fee (only Visa standard rates) |
| ATM limit | €500/day (not increasable); fee 2% of the withdrawal, minimum €2 |
| Spending limit | €10,000/day; €70,000/week; €280,000/month |
Fees change; the current ones are in Bitpanda’s terms.
Features
- Cashback: 1% cashback on crypto-funded purchases (fiat, stablecoins, metals, stocks excluded)
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: Spends directly from the Bitpanda account: all cryptocurrencies and precious metals listed on Bitpanda and the EUR…
Full list
… wallet (other fiat currencies are not supported by the card)
- Available countries: Eurozone countries, except Cyprus. Not available in EU or EEA countries outside the eurozone
Who issues the Bitpanda Card
The Bitpanda Card is issued by Transact Payments Malta Limited, Malta (MFSA C 91879). The issuer is named in the source linked below. (post-April 2025 migration).
Primary source · All cards issued by Transact Payments Malta Limited · Why the issuer matters
Pros and cons
Pros
- Spends crypto, metals or euros from one Bitpanda account
The fine print
- Flat 1% cashback on crypto-funded payments
- No card or monthly fee
- No Bitpanda fee on non-EUR payments
- No card issuance fee
- No annual maintenance fee
- Banking rails: SEPA / SWIFT support
Cons
- Eurozone residents only, except Cyprus
The fine print
- Every crypto payment is a sell trade with Bitpanda's trading fee (0.99% on Bitcoin and stablecoins, 1.49% on other crypto, 2.49% on small-cap and Spotlight assets)
- ATM withdrawals cost 2%, minimum €2
- Paying with crypto is usually a taxable event
- No cashback on stablecoins, metals, stocks or euros
Regional availability
Available in Eurozone
The Bitpanda Card is available in Eurozone: Eurozone countries, except Cyprus.
Banking and fiat rails
The fine print
- … supplies local German IBANs to Bitpanda itself, not individual customers)
- SEPA: Yes
- SWIFT: Yes
Card overview
The Bitpanda Card is a free Visa debit issued by Transact Payments Malta under a Visa Europe licence, funded straight from your Bitpanda wallet. Every purchase paid with crypto sells it to EUR at the point of sale, so each swipe is a disposal that also carries Bitpanda's usual trading fee or spread. That disposal may be a taxable event depending on where you live, and Bitpanda declines to advise. Custody sits fully with Bitpanda: it holds the keys and auto-trades your asset to euros the moment you pay.
No monthly, issuance, or annual fee. The 1% cashback is flat and conditional: it applies when your selected spending asset is crypto, so earning it means triggering the disposal. Spend the EUR balance to skip the sale and cashback drops to zero; stablecoins are sold like any crypto, at 0.99%, and earn no cashback either. Fiat, stablecoins, metals, and Bitpanda Stocks are excluded.
Bitpanda charges 0% FX on non-Euro spend, but Visa's own network mark-up still applies on top. ATM withdrawals cost 2% or a EUR 2 minimum, capped at EUR 500 a day. A replacement card is EUR 5.90 in the fee table, while one answer on the card landing page still says EUR 9.90. The cash you spend can earn if you opt in to Cash Plus: with the EUR wallet as your payment asset, the card terms let Bitpanda sell your invested Cash Plus assets to cover a card payment.
The Cash Plus page showed 2.47% on EUR in late October 2026, variable, and activation needs an appropriateness test and acceptance of a derivative contract. Eligibility is Eurozone residents only, except Cyprus; no US.
- Best fit
- existing eurozone Bitpanda users who already hold crypto and want a free card to spend it occasionally at 1% back, accepting the per-swipe disposal and its trading fee
- Wrong card if
- you want self-custody, live outside the euro area, or withdraw cash often
Common questions about the Bitpanda Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
