Bitpanda Card
by Bitpanda
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- Full KYC
- Card
- Physical
- Phone pay
- No
Our verdict
Bitpanda Card connects tightly to the Bitpanda platform, so you can spend crypto, stocks and precious metals from one account. MiCAR regulation gives solid consumer protection, but conversion costs are higher than at rival cards.
What we like
- +Spend crypto, stocks and metals from a single account
- +MiCAR regulated, which means strong consumer protection
- +No monthly or FX fees
- +Cashback of up to 2% with BEST/VSN holdings
- +Live conversion at checkout
Watch out for
- −Wide 2.99% crypto conversion spread
- −Eurozone only, with EUR accounts
- −Cashback needs 5,000+ BEST tokens
- −Physical card only, no virtual version
- −ATM fees above competitors
6.0/10
Editor score
Fair
5.2/10
User rating
Based on 38 sources
Lv 4
KYC Level
Full KYC
Regional
Availability
0 countries
Card Overview
Rewards
- Cashback
- 1%
- Cashback Crypto
- BTC
- Staking Rewards
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- Free
- Top-up Fee
- Free
- Decline Fee
- —
Limits
- Daily Spend
- $10,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card
- Card Network
- Visa
- Apple Pay
- —
- Google Pay
- —
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
5.2/10
Sourced from
Users like the polished app, the regulatory standing under the Austrian FMA and EU MiCA rules, and the range of assets, which covers 650+ cryptocurrencies, equities and precious metals. Fees draw the strongest criticism: a conversion spread of about 1.49% on each swipe and a 2% ATM fee leave a net cost of around 0.49% even after the flat 1% cashback. The mid-2025 switch from BEST/PAN to the Vision (VSN) token removed tiered rewards, and the flat 1% excludes stablecoins, metals, stocks, fiat and many merchant categories. Compliance checks are the biggest annoyance, as AML and KYC automation can freeze accounts for weeks or months, with resolution slowed by a Zendesk queue and an AI bot called Bao. Server errors during volatile markets and broken SMS verification in some regions add to the complaints. It suits passive Eurozone holders who put regulatory safety ahead of low fees.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Solana, Polygon, Bitcoin
Frequently asked questions
Does the Bitpanda Card require KYC?
Yes. Bitpanda asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the Bitpanda Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Bitpanda Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the Bitpanda Card?
Availability is limited to specific regions; check the issuer's site for your country.
Which cryptocurrencies does the Bitpanda Card support?
BTC, ETH, SOL, XRP, ADA, DOGE, DOT, MATIC, AVAX, LINK, ATOM, UNI.
Last updated August 19, 2026, verified August 6, 2026.