Card Overview
Bitpanda Card transforms your investment portfolio into spending power with a Visa Platinum debit card that supports 200+ cryptocurrencies, precious metals, and even stocks. Enjoy instant real-time conversion at checkout with 1% crypto cashback, zero monthly fees, and 0% FX surcharges across the Eurozone. Perfect for European investors who want seamless access to their diverse Bitpanda holdings for everyday purchases without manual conversions.
This is a Visa crypto card. It offers cashback rewards. Available in Europe.
Fees & Limits
| Issuance Fee | Free (€5.90 replacement) |
|---|---|
| Annual Fee | Free |
| FX Fee | 0% Bitpanda FX fee (only Visa standard rates) |
| ATM Limit | €350/day, €1.50 per withdrawal |
| Spending Limit | €10000/day |
Core Features
- Card Type: Virtual + Physical
- Top up with: 200+ cryptocurrencies plus precious metals and stocks from Bitpanda account
- Available Countries: Eurozone countries only
Supported Cryptocurrencies
The Bitpanda Card allows you to top up and spend using various cryptocurrencies. Your crypto is automatically converted to local fiat at the point of sale.
Supported assets: 200+ cryptocurrencies plus precious metals and stocks from Bitpanda account
Who Is the Bitpanda Card Best For?
The Bitpanda Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With 0-2% cashback tiered by BEST token holdings (0% base; 5K BEST = 0.5%; 50K BEST = 2%). Only on crypto-funded purchases. cashback on eligible purchases, the Bitpanda Card rewards active spenders who use the card as their daily driver.
The card is currently available in Eurozone countries only — ideal for residents and frequent travellers in those areas.
Best for
- Frequent spenders who want to earn 0-2% cashback tiered by BEST token holdings (0% base; 5K BEST = 0.5%; 50K BEST = 2%). Only on crypto-funded purchases. cashback
- Users who want a simple, app-managed crypto card experience
- European users within EEA countries
Avoid if
- You require full non-custodial control of your funds at all times
- You're a US resident — this card does not support US users
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Bitpanda Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Key Strengths & Considerations
Strengths
- Multi-asset spending (crypto, metals, stocks); 1% crypto cashback; no monthly fees; seamless Bitpanda integration
- No annual maintenance fee
- Accepted at 80 million+ Visa merchants worldwide
- Virtual card available instantly — no shipping required
Considerations
- Eurozone only; 1-1.5% conversion spread on every transaction; €1.50 ATM fee; each transaction creates taxable event
- Card issuance fee: Free (€5.90 replacement)
- Custodial product — funds held by the issuer
- Limited to certain regions — not globally available
- KYC identity verification required to activate
How to Get the Bitpanda Card
Getting started with the Bitpanda Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Create a Bitpanda account
~5 minutesVisit the official Bitpanda website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Complete KYC verification
1–3 business daysSubmit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Bitpanda processes applications in line with AML and KYC regulations.
Fund your card
Usually instantOnce verified, top up your card balance using 200+ cryptocurrencies plus precious metals and stocks from Bitpanda account via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Start spending immediately
InstantYour virtual Bitpanda Card is available immediately in the Bitpanda app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Requirements
Regional Availability
Available in Eurozone countries only
The Bitpanda Card is currently available in Eurozone countries only. Regional restrictions may apply — visit the official issuer website to confirm availability in your country before applying.
Frequently Asked Questions
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