Visa
Bitpanda Card
5.1/10Overall Score
Card Mode
Third-party custody
Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
- Physical Card Application
- $10
02Spending & Conversion
- Base Transaction Fee
- 0%
- ATM Withdrawal
- 2%
- FX Fee
- 0%
03Rewards
- Cashback
- 1%
Fee Sources · Verify Directly
www.bitpanda.com/en/cardCard Guide
Overview
Bitpanda is a Vienna-based crypto broker founded in 2014 and licensed by Austria's FMA as a crypto-asset service provider. The card is run by its payments arm Bitpanda Payments GmbH and issued on Visa by Transact Payments Malta Limited. It is a pre-funded debit card that draws on crypto, precious metals or euros held in the Bitpanda account, selling the chosen asset at the point of sale, so every crypto-funded payment can count as a disposal for tax purposes.
| Item | Details |
|---|---|
| Card forms: | virtual and physical, with Apple Pay support. |
| Tiers: | VIP levels 1 to 5 by BEST holdings, which set the cashback rate and FX pricing. |
| Funding: | spend directly from more than 600 crypto assets, precious metals or euros in the account. |
| Use cases: | everyday spending and travel within the euro area, with ATM access on the physical card. |
Benefits
| Item | Details |
|---|---|
| Base cashback: | 1% on crypto-funded purchases, paid in the same asset used to pay. |
| Tier boost: | VIP levels raise the rate with BEST holdings, up to 2.5%. |
| Scope: | only crypto-funded purchases qualify; euros, stablecoins, metals and stocks earn nothing. |
| Yield: | euro balances can join Cash Plus, around 2.43% annualised in October 2026 and variable. |
| Asset coverage: | more than 600 crypto assets, precious metals and stock tokens are spendable from one card. |
Fees
| Item | Details |
|---|---|
| Issuance: | free. Annual and monthly fees: zero. |
| Spend fee: | none. |
| FX: | no markup from Bitpanda, with conversion at the Visa rate. |
| Asset conversion: | 0.99% on bitcoin and stablecoins, 1.49% on other crypto and 2.49% on small-cap and Spotlight assets. |
| ATM: | 2% of the amount withdrawn with a EUR 2 minimum, capped at EUR 500 a day. |
| Replacement: | EUR 5.90, with each additional physical card at EUR 10. |
Availability
| Item | Details |
|---|---|
| Supported (20): | Austria, Belgium, Bulgaria, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia and Spain. |
| Not supported: | Cyprus, the UK, and EU or EEA countries outside the euro area. |
| Onboarding: | euro-area residency, full Bitpanda KYC and a funded Bitpanda account. |
| Spending limit: | EUR 10,000 a day. |
| ATM limit: | EUR 500 a day, which cannot be raised. |
