Overview
Bitpanda (bitpanda.com) is a European investment app where users can "invest and trade 650+ cryptos, 10,000+ real stocks, ETFs and metals". It is licensed by the FMA (Austria) and BaFin (Germany), is MiCAR compliant across the EU, and reports 7+ million users.
Important: Bitpanda's official website does not currently list a gift card shop. Its product for spending crypto is the Bitpanda Visa Card, a debit card that lets you "spend crypto and metals anywhere you see a Visa logo", including at shops that sell gift cards.
How It Works
- Register for a free Bitpanda account.
- Verify your identity with one of Bitpanda's verification partners.
- Deposit funds using popular payment options such as Apple Pay.
- Trade: buy, sell and swap digital assets 24/7.
- Spend: order the Bitpanda Card in the app and choose a Main and an optional Fallback payment asset. At checkout, the asset is converted to EUR automatically.
- Store your crypto: see our best crypto wallets guide.
Pros and Cons
Pros
- Regulated by FMA and BaFin and MiCAR compliant
- 650+ crypto assets plus stocks, ETFs and precious metals
- Free Visa debit card with no monthly costs and 1% cashback on crypto spending
- 0% FX fees on non-euro transactions (Visa mark-up fees apply)
- Funds held in offline wallets. ISO 27001 certified.
- 24/7 support in English, German, French and Italian
Cons
- No dedicated gift card shop listed on the official site
- The card is only for verified residents of euro-area countries
- No cashback when paying with EUR, metals or stablecoins
- Card replacement costs €9.90
Verdict
Bitpanda is a strong, regulated choice for euro-area users who want to hold crypto and spend it anywhere Visa is accepted. If you want to buy branded gift cards directly with crypto, a dedicated shop such as Bitrefill or Cardstorm fits better. Compare more options in our crypto gift card directory and best crypto cards guide.
FAQs
Does Bitpanda sell gift cards?
Bitpanda's official website does not currently list a gift card shop. You can use the Bitpanda Visa Card to pay for gift cards at any merchant that accepts Visa.
Who can get the Bitpanda Card?
Verified Bitpanda users who live in a euro-area country.
Which assets can I spend?
All cryptocurrencies and precious metals listed on Bitpanda, plus EUR. Crypto Indices are excluded.
What are the card fees?
The card is free with no monthly costs and 0% FX fees (Visa mark-up applies). A replacement card costs €9.90. The minimum payment is €1.
Is paying with crypto taxable?
Each card payment converts crypto to EUR, which is usually a taxable event.
How long does card delivery take?
It usually ships within 3–7 working days.
Disclosure
This review is based on information published on the official Bitpanda website. Features and fees may change, so always check the official site before using the service. This is not financial advice.
