Bitpanda Card is a crypto-linked payment card. Compare custody, fees, tiers, limits and regional availability before applying.
Why Bitpanda Card can be a great choice.
Things to consider before applying.
The Bitpanda Card is a Visa debit card linked directly to your Bitpanda account. It allows you to spend cryptocurrencies, precious metals and euros anywhere Visa is accepted, including online, in stores and at ATMs. Bitpanda currently supports more than 600 crypto assets that can be selected for card payments. When you pay with crypto or another investment asset, it is automatically converted into euros to settle the transaction. The card is issued by Transact Payments Malta Limited (TPML) under a Visa licence.
Bitpanda introduced its Visa card in February 2021 as a way to connect investments held on the platform with everyday payments. The product was designed to let users spend assets directly from their Bitpanda portfolio without manually selling them and transferring the proceeds beforehand. The current Bitpanda Card product terms took effect on April 1, 2025.
The Bitpanda Card has no account-opening fee or monthly fee, and initial card delivery is free. Bitpanda currently charges no additional FX fee for non-euro transactions, although Visa exchange-rate markups may still apply. ATM withdrawals cost 2% of the amount withdrawn or at least €2, whichever is higher, and the ATM operator may charge its own fee.
Payments funded with crypto, metals or other investment assets involve selling the selected asset for euros, so Bitpanda's applicable trading fees or premiums may apply. The minimum card payment is €1. The standard limits are €10,000 in card spending and €500 in ATM withdrawals per day, with weekly card spending capped at €70,000 and monthly spending at €280,000.
You can select a Main payment asset in the Bitpanda app and change it whenever you want. An optional Fallback payment asset can also be configured. If the balance of the main asset is not sufficient to cover a purchase, the card can use the fallback asset instead, helping prevent declined transactions.
The card supports cryptocurrencies, precious metals and EUR. Crypto-funded eligible purchases earn a flat 1% cashback, paid in the selected cashback asset. Purchases funded with stablecoins, fiat, metals and other non-crypto assets do not qualify, and some merchant categories are also excluded from the programme.
Card management is handled through the Bitpanda app. Users can monitor transactions in real time, receive payment notifications, switch payment assets and block or unblock the card. The Bitpanda Card can also be added to Apple Pay and Google Pay and includes Visa fraud-prevention systems and 3D Secure protection for supported online transactions.
To order the card, you need a verified Bitpanda account and must be a resident of an eligible euro-area country. Bitpanda's Helpdesk states that the card is currently available across the Eurozone except Cyprus, while users who completed identity verification through Bankident are also not eligible. Bitpanda itself requires users to be at least 18 years old to open and verify an account.
Create a Bitpanda account and complete identity verification.
Open the Bitpanda app and select Card from your account menu.
Follow the ordering instructions and select your Main payment asset and, optionally, a Fallback payment asset.
Once the physical card arrives, open the Card section in the app, tap Activate and enter its CVV.
Add the card to Apple Pay or Google Pay if you want to use it for mobile payments.
Bitpanda says cards are typically shipped within 3–7 working days, although actual delivery may take longer depending on the destination.
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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