Which is cheaper, Bitpanda or ether.fi Cash?

At $2,000 a month with 20% foreign spending and one $200 ATM withdrawal, ether.fi Cash leaves $480 more per year. The result can change with your spending, so the comparison above lets you enter your own amount.

Can I use Bitpanda and ether.fi Cash in the same country?

One of the two issuers does not publish a country list, so we cannot confirm overlap. 21 countries for Bitpanda; country list not published for ether.fi Cash.

Is Bitpanda or ether.fi Cash safer?

Bitpanda scores higher on our safety check (68/100 against 60/100). The score looks at licensing, custody, fund segregation, proof of reserves and incident history.

Which card has better cashback, Bitpanda or ether.fi Cash?

Bitpanda pays 1% and ether.fi Cash pays 3% to 4%. Caps, tier rules and fees decide what you keep, which is why the yearly figures above include both.

Bitpanda vs ether.fi Cash: Crypto Card Comparison of Fees, Cashback and Safety

Crypto card comparison
Feature	Bitpanda	ether.fi Cash
Countries offered	21 countries	List not published
Card network	Visa	Visa
Custody	Custodial	Self-custody
KYC	Full	Full
Top-up assets	EUR, BTC, ETH, USDC	USDC, ETH
Top-up or conversion fee	Not disclosed	Not disclosed
FX markup	0%	Not disclosed
ATM fee	2%	Not disclosed
Annual fee (base tier)	Free	Free
Card issuance	Virtual Not disclosed · Physical Free	Virtual Free · Physical Not disclosed
Cashback	1%	3% to 4% (better)
Apple Pay / Google Pay	Apple Pay	Apple Pay, Google Pay
Safety score	68/100 (better)	60/100
Overall rating	54/100 (better)	48/100
Get the card	Get Bitpanda	Get ether.fi Cash

Yearly cost at three spending levels

Monthly spend	Bitpanda	ether.fi Cash
$500	≤ +$60 Standard	≤ +$180 Core
$2,000	≤ +$240 Standard	≤ +$720 Core
$5,000	≤ +$600 Standard	≤ +$720 Core

Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.

Where the money goes at $2,000 a month

Line	Bitpanda Standard	ether.fi Cash Core
Top-up and conversion fees	Not disclosed	Not disclosed
Spending fees	$0	Not disclosed
Foreign exchange markup	$0	Not disclosed
ATM fees	Not disclosed	Not disclosed
Annual, monthly and subscription fees	$0	$0
Cashback	+$240	+$720
Net per year	+$240	+$720

Fees

Bitpanda charges Not disclosed to convert or top up and 0% on spending in a foreign currency. ether.fi Cash charges Not disclosed and Not disclosed.

ATM withdrawals: Bitpanda 2%; ether.fi Cash not disclosed.

A virtual card costs an undisclosed fee with Bitpanda and nothing with ether.fi Cash. A physical card costs nothing and an undisclosed fee. Neither card has an annual fee on its base tier.

Cashback and rewards

Bitpanda cashback: 1%. ether.fi Cash cashback: 3% to 4%.

Bitpanda tiers: Standard: 1%.

ether.fi Cash tiers: Core: 3% on the first $2,000 a month; Luxe: 3% on the first $10,000 a month; Pinnacle: 3% on the first $50,000 a month; VIP: 4% on the first $50,000 a month.

Bitpanda: 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.

ether.fi Cash: Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.

Availability and KYC

Bitpanda is offered in 21 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. 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.

ether.fi Cash does not publish a country list. ether.fi does not publish a country list. In Argentina, Angola, Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, the Philippines, South Africa and Thailand the first virtual card costs $10.

Bitpanda needs full KYC and ether.fi Cash needs full KYC.

The card finder checks both cards against your country, KYC level and must-have features.

Limits, wallets and card types

Bitpanda publishes ATM withdrawals of up to €500 a day.

ether.fi Cash publishes ATM withdrawals of up to $5,000 a day.

Bitpanda works with Apple Pay, and ether.fi Cash works with Apple Pay and Google Pay. Neither card issue a virtual card you can use straight away.

Custody and safety

Bitpanda scores 68/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Transact Payments Malta Limited. 2026-08-14: Austria's FMA fined Bitpanda GmbH €70,000 for breaches of MiCA white paper and marketing rules. The case did not involve customer funds. Bitpanda's custody policy says client crypto-assets are held as trustee, operationally and legally segregated from Bitpanda's own assets.

ether.fi Cash scores 60/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. ether.fi describes Cash as a non-custodial account. Some fees, including the FX margin and the ATM fee on Core, are not published as fixed figures.

Full reports: Bitpanda safety check and ether.fi Cash safety check.

About each card

Bitpanda Card is a custodial Visa card from Bitpanda (card issued by Transact Payments Malta Limited). It tops up with EUR, BTC, ETH and USDC and its balance is held in EUR.

ether.fi Cash Card is a self-custody Visa card from ether.fi. It tops up with USDC and ETH.

Which card fits you

Bitpanda fits if

You spend in foreign currencies often, since its FX markup is lower.
You weigh licensing and fund segregation heavily, since it scores higher on our safety check.

ether.fi Cash fits if

You want to keep crypto in your own wallet until each payment.
You want a higher cashback ceiling (up to 4%).

Bitpanda vs ether.fi Cash