A simple, fee-free option for euro-area Bitpanda users who want crypto cashback without staking or a subscription. Skip it if you live outside the euro area or mainly spend euros, which earn no cashback.
Score breakdown
How we read the terms: No monthly fee, free first card and 0% FX fee from Bitpanda (Bitpanda notes that Visa mark-up fees apply). Flat 1% cashback for everyone, only on payments funded with non-stablecoin crypto.
Preliminary score: criteria marked “Not scored” are left out and their weight is shared among the rest. How scores are calculated.
Pros
- Flat 1% cashback for all users, with no tiers or staking
- Cashback paid in the crypto you spend
- No monthly fee and free first card
- Apple Pay and Google Pay
Cons
- Only for euro-area residents
- No cashback when paying with EUR, stablecoins or metals
- ATM withdrawals cost 2% (minimum €2)
- Visa mark-up fees apply to non-euro payments
Overview
The Bitpanda Card is a Visa debit card issued by Transact Payments Malta Limited. You choose a main payment asset — any crypto, precious metal or EUR held on Bitpanda — plus an optional fallback asset.
At payment, the chosen asset is traded to EUR automatically, which is usually a taxable event when you pay with crypto. Purchases funded with crypto earn a flat 1% cashback, paid in the same coin.
You choose a Main payment asset (any crypto, precious metal or EUR) and an optional Fallback asset. At payment the asset is traded to EUR automatically; paying with crypto is usually a taxable event, paying from the EUR wallet is not. Only crypto-funded payments earn the 1% cashback.source
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Fees and limits
- Card issuance (EEA (euro area))
- €0 (initial shipment free); replacement €5.90source
- Monthly fee (EEA (euro area))
- €0source
- FX fee (EEA (euro area))
- 0source
- Top-up
- Not verified
- Free ATM per month (EEA (euro area))
- None; ATM fee 2% or €2, whichever is highersource
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
Entry tier, €1,000 a month of everyday spending in the card’s currency, first year, compared with a plain 2% cash-back card. Only the verified figures above are used.
- Cashback earned
- €120
- Card fees (issuance + 12 × monthly)
- €0
- Net value, year one
- €120
- Plain 2% cash-back card
- €240
At this spend, a plain 2% cash-back card earns €120 more.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Not available | “You must be a resident in a country in the euro area.”source |
| UK | Not available | “You must be a resident in a country in the euro area.”source |
| EEA | With restrictions | “You must be a resident in a country in the euro area.”source Only for residents of euro-area countries. |
By country
Other regions listed by the issuer: Euro-area residents onlysource. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Open a Bitpanda accountSign up and complete identity verification (not via Bankident).
- 2Order the cardSelect “Card” in the app; the first card ships free.
- 3Pick payment assetsChoose a main and fallback asset; pick a cryptocurrency to earn cashback.
- 4Activate and spendActivate the card with its CVV and add it to Apple Pay or Google Pay.
Bitpanda Card: common questions
How much cashback does the Bitpanda Card pay?
A flat 1% for all users on purchases paid with cryptocurrency, credited in the same coin. Payments with EUR, metals or stablecoins earn none.
Who can get the Bitpanda Card?
Verified Bitpanda users who live in a euro-area country. Users who verified with Bankident can’t order the card at the moment.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.