Trade Republic Card scores higher overall (6.1 vs 5.6 on our preliminary scale), but Bitpanda Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Head-to-head
| Feature | Bitpanda | Trade Republic | Better |
|---|---|---|---|
| Cashback without staking | 1% | 1% | Tie |
| Best cashback | Up to 1% | Up to 2% | Trade Republic |
| Issuance fee | Free | Free | Tie |
| Monthly fee (entry tier) | Free | Free | Tie |
| FX fee (entry tier) | 0% | 0% | Tie |
| Available in US | Not available | Not available | Tie |
| Available in UK | Not available | Not available | Tie |
| Available in EEA | With restrictions | With restrictions | Tie |
| Network | Visasource | Visasource | — |
| Card type | Debit | Debit | — |
| Staking or paid plan for best rate | No | No | — |
| Top-up | Not verified | Not verified | — |
| Free ATM per month | None; ATM fee 2% or €2, whichever is highersource | Unlimited free withdrawals of €100 or more; €1 fee below €100source | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
Bitpanda Card: entry-tier cashback 1%source, best rate Up to 1%source, paid in The same cryptocurrency used for the purchasesource.
Trade Republic Card: entry-tier cashback 1%source, best rate Up to 2%source, paid in Invested into a savings plan of your choice (stocks, ETFs or crypto, e.g. Bitcoin)source.
Fees compared
Example: you spend $1,000 a month on the entry tier, 20% of it in a foreign currency, and fund the card for free. Yearly result = entry-tier cashback − FX fees − monthly fees × 12.
| Card | Cashback | FX fees | Card fees | Net per year |
|---|---|---|---|---|
| Bitpanda Card | $120 | −$0 | −$0 | $120 |
| Trade Republic Card | $120 | −$0 | −$0 | $120 |
Ignores issuance fees, ATM use, caps and token price moves. Fees are in each issuer’s currency for the region shown in the review. Run your own numbers.
Availability
| Region | Bitpanda | Trade Republic |
|---|---|---|
| US | Not available | Not available |
| UK | Not available | Not available |
| EEA | With restrictions | With restrictions |
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose Bitpanda Card if…
- You are looking for a card for euro-area residents who spend crypto they hold on Bitpanda.
Choose Trade Republic Card if…
- You can reach the top tier: the best advertised rate is 2%.
- You are looking for a card for investors who want card rewards invested automatically.
FAQ
Which is better, Bitpanda Card or Trade Republic Card?
Trade Republic Card scores higher overall (6.1 vs 5.6 on our preliminary scale), but Bitpanda Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Can I get Bitpanda Card or Trade Republic Card in the US?
Bitpanda Card: Not available. Trade Republic Card: Not available. Availability can change; check the issuer’s site before applying.