Visa · Custodial · Full KYC · Physical

Bitpanda Card: Fees, Limits and Cashback

Bitpanda Card is a custodial Visa card from Bitpanda (card issued by Transact Payments Malta Limited) that does not publish its conversion fee. The FX markup on foreign-currency spending is 0%, and cashback is 1%. There is no annual fee. It is offered in 21 countries.

Verified September 24, 2026Issued by Bitpanda (card issued by Transact Payments Malta Limited)

54/100

Overall rating

Countries offered

Free

Annual fee

Not disclosed

Conversion fee

FX markup

Cashback

68/100

Safety score · Good

Bitpanda pros and cons

Pros

No annual or monthly fee
0% FX markup on foreign-currency spending
1% cashback
Works with Apple Pay
Safety score 68/100 (Good)

Cons

Conversion fee not published

Bitpanda fees and limits

Virtual card	Not offered
Physical card	Free
Annual fee	Free
Monthly fee	None
Crypto conversion fee	Not disclosed
FX markup	0%
Fee on purchases in EUR	None
ATM withdrawals	2%
Daily spending limit	Not disclosed
Monthly spending limit	Not disclosed
Daily ATM limit	€500
Card currency	EUR

"Not disclosed" means Bitpanda does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

Bitpanda cashback and rewards

Tier	Rate	Paid in	Monthly spend cap	Requirement
Standard	1%	Not stated	None published	None

Cashback applies only when a crypto asset is the payment asset. Payments from EUR, stablecoins, stocks or metals earn none. ATM withdrawals cost at least €2.

What Bitpanda costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

Monthly spending	Net per year	Tier used
$500	≤ +$60	Standard
$2,000	≤ +$240	Standard
$5,000	≤ +$600	Standard

Run it with your own numbers in the card cost calculator.

Bitpanda Apple Pay, Google Pay and ATM withdrawals

Bitpanda works with Apple Pay. Google Pay is not listed. ATM withdrawals: 2%, up to €500 a day. It runs on Visa, so it works wherever that network is accepted, online and in shops.

Where Bitpanda is available

Bitpanda is offered in the 21 countries below. Bitpanda says you must live in a country in the euro area. Its fee table also lists Swedish, Norwegian and Danish krone versions of the card.

Supported countries (21)

Austria
Belgium
Bulgaria
Croatia
Cyprus
Estonia
Finland
France
Germany
Greece
Ireland
Italy
Latvia
Lithuania
Luxembourg
Malta
Netherlands
Portugal
Slovakia
Slovenia
Spain

The crypto card finder lists every card we track by country.

Topping up Bitpanda

Bitpanda tops up with EUR, BTC, ETH and USDC. The conversion fee is not published. The card is custodial, so the provider holds your card balance.

How to get the Bitpanda card

Check that you live in a country where Bitpanda is offered (see the list above).
Download the Bitpanda app and complete identity verification with a government ID and a selfie check.
Top up with EUR, BTC, ETH and USDC.
Order the physical card for free if you need ATM withdrawals or chip and PIN payments.

Who the Bitpanda card suits

Travellers and people who pay in several currencies, thanks to its 0% FX markup.

Bitpanda overall rating

Bitpanda rates 54/100 in our crypto card ranking.

Factor	Detail	Points
Reach	21 countries	13 / 40
Yearly cost	+$240 a year at $2,000 a month	21 / 30
Safety	68/100	20.4 / 30

Is Bitpanda safe?

Bitpanda scores 68/100 (Good) in our safety check. Issuer: Bitpanda (card issued by Transact Payments Malta Limited) (Austria). Licensing: Card issued by Transact Payments Malta Limited, authorised by the Malta Financial Services Authority as a financial institution (C 91879); Bitpanda GmbH is authorised under MiCA by Austria's FMA. BIN sponsor: Transact Payments Malta Limited.

Bitpanda's custody policy says client crypto-assets are held as trustee, operationally and legally segregated from Bitpanda's own assets.

Full Bitpanda safety report

Compare Bitpanda with other cards

Frequently asked questions

What are the Bitpanda card fees?

Bitpanda charges a conversion fee it does not publish, a 0% FX markup on foreign-currency spending, no annual fee. The physical card is free. Its ATM fee is listed in the fees table on this page.

Is Bitpanda available in the US?

No. Bitpanda does not offer the card to US residents. Bitpanda says you must live in a country in the euro area. Its fee table also lists Swedish, Norwegian and Danish krone versions of the card.

Does Bitpanda have cashback?

Yes. Bitpanda pays 1%. Cashback applies only when a crypto asset is the payment asset. Payments from EUR, stablecoins, stocks or metals earn none. ATM withdrawals cost at least €2.

What is the Bitpanda ATM withdrawal fee?

Bitpanda charges 2% per ATM withdrawal. The daily ATM limit is €500. ATM operators may add their own fee.

Does Bitpanda work with Apple Pay and Google Pay?

Bitpanda supports Apple Pay. Google Pay is not listed.

Is Bitpanda safe?

Bitpanda scores 68/100 (Good) in our safety check, which looks at licensing, custody, fund segregation, proof of reserves and incident history. Keeping only what you plan to spend on any crypto card is a sensible habit.

Sources

Bitpanda fees · checked September 24, 2026
Bitpanda terms and licensing · checked September 24, 2026