Bitpanda Card is a Visa debit card that lets users spend crypto, precious metals or euros directly from their Bitpanda account, with 1% cashback on eligible crypto-funded purchases.
Why Bitpanda Card can be a great choice.
Things to consider before applying.
Bitpanda Card is a Visa debit card connected directly to the Bitpanda account. Instead of maintaining a separate card balance, users select a main payment asset and an optional fallback asset from their available crypto, precious metals or EUR balances.
For crypto-funded transactions, Bitpanda automatically sells the required amount into euros when the payment is processed. If the main payment asset does not have sufficient funds, the card can automatically switch to the selected fallback asset.
The card works anywhere Visa debit cards are accepted and can also be used for ATM withdrawals. Bitpanda currently supports both physical and virtual cards, with up to three virtual cards active at the same time.
The first physical Bitpanda Card is free, including standard delivery, and there is no monthly card fee. Replacement for a lost or damaged card currently costs €5.90.
Bitpanda itself charges 0% FX fees on non-euro card transactions, although Visa currency conversion markups can still apply. Crypto-funded purchases also trigger a normal Bitpanda asset sale, so the standard trading fee for the selected cryptocurrency remains relevant.
ATM withdrawals cost 2% of the amount or €2, whichever is higher. An ATM operator may add its own surcharge.
The current euro-denominated limits are €10,000 in card spending per day, €70,000 per week and €280,000 per month. ATM withdrawals are limited to €500 per day.
Bitpanda currently pays a flat 1% cashback on eligible purchases funded with cryptocurrencies. The previous BEST-based tier system no longer applies.
Cashback is paid in the same cryptocurrency used for the purchase. Stablecoins, EUR, precious metals and other non-eligible assets do not generate cashback, and selected merchant categories such as money transfers and certain financial transactions are excluded.
Bitpanda Card is currently intended for verified residents of supported Eurozone countries, with some country-specific exclusions. The card service may not appear in the app if the account is not eligible.
The card uses custodial Bitpanda balances. Users remain the beneficial owners of their crypto, but Bitpanda holds the assets in custody and manages the underlying wallet infrastructure rather than users controlling their own private keys.
Apple Pay and Google Pay are both supported. The card is issued by Transact Payments Malta Limited under a Visa Europe licence.
Create a Bitpanda account and complete identity verification.
Open the Card section in the Bitpanda app.
Choose a physical or virtual card.
Select the main payment asset and optional fallback asset.
Order and activate the card through the app.
Add the card to Apple Pay or Google Pay if required.
Quick answers to common questions about Bitpanda Card.
Yes. You can select Bitcoin or another supported cryptocurrency as your Main payment asset. When you make a purchase, Bitpanda automatically sells the required amount for euros and uses the euro proceeds to settle the card transaction.
The card currently offers 1% cashback on eligible purchases funded with cryptocurrencies. Payments funded with stablecoins, EUR, precious metals and other non-crypto assets do not qualify for cashback. Certain merchant categories are also excluded.
Yes. The card can be used wherever Visa is accepted. Bitpanda currently charges no additional FX fee for non-euro card transactions, although Visa currency-conversion markups and third-party ATM fees may still apply.
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