Yearly cost at three spending levels
| Monthly spend | Bitpanda | KOSH |
|---|---|---|
| $500 | ≤ +$60 Standard | ≤ -$14 Everyday |
| $2,000 | ≤ +$240 Standard | ≤ -$32 Everyday |
| $5,000 | ≤ +$600 Standard | ≤ -$68 Everyday |
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 | KOSH Everyday |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $0 | -$24 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | -$8 |
| Cashback | +$240 | $0 |
| Net per year | +$240 | -$32 |
Fees
Bitpanda charges Not disclosed to convert or top up and 0% on spending in a foreign currency. KOSH charges 0% and 0.5%.
ATM withdrawals: Bitpanda 2%; KOSH 1% + $1.
A virtual card costs an undisclosed fee with Bitpanda and nothing with KOSH. A physical card costs nothing and $80.
Cashback and rewards
Bitpanda cashback: 1%. KOSH cashback: None.
Bitpanda tiers: Standard: 1%.
KOSH tiers: Everyday: 0%.
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.
KOSH: KOSH lists 10% reward points as coming soon. No reward is paid today.
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.
KOSH does not publish a country list. KOSH says it supports onboarding in 90+ countries without publishing the list.
Bitpanda needs full KYC and KOSH 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.
KOSH publishes ATM withdrawals of up to $750 a day.
Bitpanda works with Apple Pay, and KOSH 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.
KOSH scores 44/100. 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. KOSH (Piers Technology Inc.) says it is a financial technology company, not a bank or a money services business, and that some services are provided by licensed partners it does not name. It says stablecoin holdings sit with regulated custodians.
Full reports: Bitpanda safety check and KOSH 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.
KOSH Card (formerly Copperx) is a custodial Visa card from KOSH (Piers Technology Inc., formerly Copperx). It tops up with USDC and USDT.
Which card fits you
Bitpanda fits if
- You spend in foreign currencies often, since its FX markup is lower.
- You want a higher cashback ceiling (up to 1%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
KOSH fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
Read more: Bitpanda fees and details · KOSH fees and details