Yearly cost at three spending levels
| Monthly spend | Bitpanda | ether.fi Cash |
|---|---|---|
| $500 | ≥ -$60 Standard | ≥ -$162 Core |
| $2,000 | ≥ -$240 Standard | ≥ -$648 Core |
| $5,000 | ≥ -$600 Standard | ≥ -$540 Core |
Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs 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 | $72 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$240 | -$720 |
| Yearly cost | -$240 | -$648 |
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 1.5%.
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 is offered in 91 countries, including Argentina, Australia, Brazil, Canada, France, Germany, Indonesia, Italy, Malaysia and Mexico. ether.fi lists these jurisdictions. In the US the card is available in 31 states and Washington D.C. only. Belgium and Ireland are eligible, but physical cards are not delivered there. In some countries (including Argentina, Indonesia, Mexico, Nigeria and the Philippines) 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. The ATM fee on Core is not published as a fixed figure.
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%).
Read more: Bitpanda fees and details · ether.fi Cash fees and details