Bitpanda Card

Overview

What is the Bitpanda Card?

The Bitpanda Card is a Visa debit card connected to a Bitpanda account. It lets eligible users spend supported cryptocurrencies, precious metals and euros, with the amount required for each payment converted to EUR automatically at the moment of the transaction. It is a debit card, so it cannot build up debt, and it can be used online, in stores and at ATMs anywhere Visa is accepted. Eligible purchases funded with crypto earn 1% cashback.

The closest comparisons are regional. The Bitsa Card and the Bit2Me Card are also built for European users and convert crypto to euros at the till, while our best crypto cards directory compares fees, cashback and limits across the whole market.

Current card and legacy card

The current Bitpanda Card replaced the earlier card, which was deactivated on 31 March 2025. The current card can be activated from 1 April 2025, and applications are open to eligible euro-area residents. Transaction history from the previous card is being migrated and appears in the Bitpanda app.

How payments work

Users choose a Main payment asset and can optionally add a Fallback payment asset. When a purchase is made, the required amount is instantly and automatically traded into EUR and deducted from the EUR fiat wallet to complete the payment. If the Main payment asset does not hold enough funds, the full transaction can be covered by the Fallback asset instead of failing. Both can be changed at any time in the Bitpanda app.

The card is denominated in EUR and all transactions are processed in EUR, so refunds are credited to the EUR wallet. Paying with crypto involves a crypto-to-euro trade, which is usually a taxable event — local tax rules apply.

Availability and eligibility

a verified Bitpanda account
residency in a country in the euro area
identity verification completed — customers who verify their identity through Bankident cannot currently order a card
the Bitpanda mobile app, which is used to manage the card

Card applications are limited to eligible euro-area residents, which is separate from where the card can be used: the card itself works anywhere Visa is accepted. Cards are typically shipped within 3–7 working days, and only one Bitpanda Card can be active at a time.

How to get the Bitpanda Card

Create or sign in to a Bitpanda account.
Complete identity verification.
Check that your residency meets the card’s euro-area eligibility requirements.
Open the Card section in your Bitpanda account or app.
Order or activate the available Bitpanda Card and set a Main payment asset.
Optionally add the card to Apple Pay or Google Pay to pay by phone.

Official sources

Card details last verified 13 August 2026; the card product page, its fee table and the card FAQs were re-checked on 5 October 2026.

Features & Benefits

Bitpanda Card features

Visa debit card — a physical and virtual card linked to a Bitpanda account. Because it is a debit card, no debt can be built up on it.
Spend crypto, precious metals and EUR — Bitpanda advertises 600+ spendable crypto assets, plus all precious metals listed on the platform.
1% cashback on crypto spending — paid on eligible purchases funded with a crypto asset.
0% FX fee — non-euro transactions carry no Bitpanda FX fee (Visa mark-up fees can still apply).
Free to hold — no account opening, monthly, annual or initial shipment fee.
Main and fallback payment assets — a default funding asset plus an optional backup asset to reduce failed payments.
Apple Pay and Google Pay — the card can be added to both like any other Visa card; Google Pay works on Android devices compatible with Google Wallet and contactless payments.
In-app card management — freeze and unfreeze the card, manage the PIN, switch payment assets and view payment history.
Real-time notifications — a push notification showing the asset used and the cashback credited follows every payment.
Security — Visa anti-fraud detection, 3D Secure protection and PCI DSS compliance, with card blocking available instantly in the app.

Where you can use it

Online, in physical stores, contactless and at ATMs wherever Visa is accepted. Card applications are limited to eligible euro-area residents, which is separate from where the card can be used.

Card issuer

The card is issued by Transact Payments Malta Limited.

Supported Cryptocurrencies

Assets you can spend with the Bitpanda Card

Cryptocurrencies: every crypto asset listed on Bitpanda can be selected as the payment asset — Bitpanda advertises 600+ spendable crypto assets.
Precious metals: all precious metals listed on Bitpanda can fund card payments.
Euro: the EUR wallet can be used directly, with no conversion needed at the till.

Other fiat currencies are not currently supported as card funding assets, and the Bitpanda Crypto Indices cannot be used as a payment asset. Bitpanda keeps adding assets, so the current spendable list is best confirmed in the app.

Main and fallback payment assets

One asset is connected as the Main payment asset and funds card payments by default. A second asset can optionally be set as the Fallback payment asset; if the Main asset cannot cover a payment, that transaction is funded from the Fallback instead of being declined. Both can be changed at any time in the Bitpanda app.

Cashback-eligible assets

Only purchases funded with a crypto asset earn the 1% cashback. Payments funded from fiat (EUR), precious metals, stablecoins or other non-crypto assets are excluded from the cashback programme.

Fees & Limits

Bitpanda Card fees and limits

Card fees (EUR)

Account opening: Free
Monthly cost: Free — there is no annual fee either
Initial shipment: Free
Non-EUR FX fee: €0 — Visa mark-up fees can still apply
Replacement card (reissue): €5.90 in Bitpanda’s card fee table; the card FAQ quotes €9.90 to reorder a card that is lost, damaged or stolen
Every additional physical card: €10
Expired card: Free
Minimum ATM fee: 2% or €2, whichever is higher — the ATM operator may charge its own fee on top
Minimum card payment: €1

Spending and withdrawal limits

Daily ATM withdrawals: €500 — this limit cannot currently be increased
Daily expenditure: €10,000
Weekly expenditure: €70,000
Monthly expenditure: €280,000

Contactless payment limits depend on the terminal and the country. Bitpanda has changed its card fee structure over time, so older helpdesk pages can still show legacy pricing — the figures above come from the current card page.

Cashback

The card pays a flat 1% cashback on eligible purchases funded with a cryptocurrency, credited after a successful transaction. Cashback is generally paid in the same asset used for the purchase, so a purchase funded with DOGE is rewarded in DOGE. It is no longer based on BEST VIP level.

Cashback is not paid when the payment asset is fiat (EUR), precious metals, a stablecoin such as USDT or USDC, or any other non-crypto asset, and certain merchant categories are excluded under Bitpanda’s cashback rules.

Pros & Cons

Pros

No account opening, monthly, annual or initial shipment fee
Flat 1% cashback on eligible crypto-funded purchases
Spends crypto, precious metals and EUR from one Visa card
0% Bitpanda FX fee on non-euro transactions
Apple Pay and Google Pay support
Main and fallback payment assets reduce declined payments
Freeze, unfreeze and manage the card in the Bitpanda app

Cons

Card applications are restricted to eligible euro-area residents
Fiat, precious-metal and stablecoin purchases earn no cashback
Non-EUR assets are sold for euros at the moment of payment
€500 daily ATM withdrawal limit, with a minimum ATM fee of 2% or €2
Only one Bitpanda Card can be active at a time

Frequently Asked Questions

Who can order a Bitpanda Card?

You need a verified Bitpanda account and residency in a country in the euro area. Customers who verify their identity through Bankident cannot currently order a card, and the Bitpanda mobile app is required to manage it.

What does the Bitpanda Card cost?

Account opening, the monthly cost and the initial shipment are free, and non-euro transactions carry a €0 Bitpanda FX fee (Visa mark-up fees can still apply). A replacement card (reissue) is listed at €5.90 in Bitpanda’s fee table, while the card FAQ quotes €9.90 to reorder a card that is lost, damaged or stolen. Each additional physical card costs €10.

How much cashback does the Bitpanda Card pay?

A flat 1% cashback on eligible purchases funded with a cryptocurrency, credited after a successful transaction and generally paid in the same asset used for the purchase. Purchases funded with EUR, precious metals, stablecoins or other non-crypto assets earn nothing, and some merchant categories are excluded.

Which assets can fund the card?

All cryptocurrencies listed on Bitpanda (advertised as 600+ spendable assets), all precious metals listed on Bitpanda, and euro. Other fiat currencies are not currently supported, and the Bitpanda Crypto Indices cannot be used as a payment asset.

What is a fallback payment asset?

An optional second asset that funds a payment when the Main payment asset does not hold enough to cover it. Without enough funds in the Main asset a transaction would normally be declined; the Fallback covers the full payment instead. Both assets can be changed at any time in the app.

What are the spending and ATM limits?

Daily expenditure is capped at €10,000, weekly at €70,000 and monthly at €280,000. ATM withdrawals are limited to €500 per day and cannot currently be increased. The minimum card payment is €1, and each ATM withdrawal carries a minimum fee of 2% or €2, whichever is higher — the ATM operator may charge separately.

Is it a credit or a debit card?

It is a debit card, so it cannot create debt. It is connected to your Bitpanda account and spends directly from the connected wallet, and because it runs on Visa it works anywhere Visa is accepted.

Can I use the Bitpanda Card with Apple Pay and Google Pay?

Yes. The card can be added to Apple Pay and Google Pay like any other Visa card, and Google Pay supports Android devices compatible with Google Wallet and contactless payments.

Is paying with crypto a taxable event?

Using crypto to fund a card payment involves a trade from that crypto asset into euro, which is usually a taxable event. The rules depend on where you are tax resident, so check your local position.

How long does delivery take?

Bitpanda states that cards are typically shipped within 3 to 7 working days, although delivery times vary by destination country. Only one Bitpanda Card can be active at a time.