Yearly cost at three spending levels
| Monthly spend | Bitpanda | Tria |
|---|---|---|
| $500 | ≤ +$60 Standard | -$43 Virtual |
| $2,000 | ≤ +$240 Standard | -$43 Virtual |
| $5,000 | ≤ +$600 Standard | -$43 Virtual |
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 | Tria Virtual |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $0 | $0 |
| ATM fees | Not disclosed | -$36 |
| Annual, monthly and subscription fees | $0 | -$25 |
| Cashback | +$240 | +$18 |
| Net per year | +$240 | -$43 |
Fees
Bitpanda charges Not disclosed to convert or top up and 0% on spending in a foreign currency. Tria charges 0% and 0%.
ATM withdrawals: Bitpanda 2%; Tria 1% + $1.
A virtual card costs an undisclosed fee with Bitpanda and nothing with Tria. A physical card costs nothing and nothing.
Cashback and rewards
Bitpanda cashback: 1%. Tria cashback: 1.5% to 6%.
Bitpanda tiers: Standard: 1%.
Tria tiers: Virtual: 1.5% on the first $100 a month; Signature plastic ($109 a year): 4.5% on the first $1,000 a month; Premium metal ($250 a year): 6% on the first $2,000 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.
Tria: Paid in USDT on Arbitrum in periodic batches, with a waiting period of up to 90 days. Above the monthly spend cap the rate drops to 0.5% on the virtual tier and 1% on plastic and metal, which this model does not capture. An active staking badge adds a boost within the cap. Cash withdrawals, transfers, wallet funding, gambling and vouchers earn nothing. The plastic and metal subscriptions below are the extra cost over the $25 virtual membership ($109 and $250 a year in total). Season 3 rates apply from 1 June 2026.
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.
Tria is offered in 224 countries and territories and excludes 25.
Bitpanda needs full KYC and Tria 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.
Tria publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $750 a day.
Bitpanda works with Apple Pay, and Tria works with Apple Pay and Google Pay. Tria issues 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.
Tria 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. Tria's cards work as collateral-backed credit cards at 0% APR. Spending is secured by crypto in the user's own wallet, and a "Liquidation Event" sells collateral if charges go unpaid for one calendar day or the collateral value falls below the balance. International cards are issued by Nimbus, LLC, a Delaware company whose terms link to a privacy notice on legal.raincards.xyz. US cards are issued by "Third National". In Nigeria the card is marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria. Tria (Threely Dimensions, Inc.) says it "is not a bank, money services business, card issuer". No proof of reserves applies because Tria holds no customer assets. We found no official enforcement actions or incident reports.
Full reports: Bitpanda safety check and Tria 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.
Tria Card (Global) is a self-custody Visa card from Nimbus, LLC (international cards); Third National (US cards). It tops up with USDT, USDC, BTC and ETH.
Which card fits you
Bitpanda fits if
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Tria fits if
- You want to keep crypto in your own wallet until each payment.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You live outside the US and the handful of countries it excludes.
- You want a higher cashback ceiling (up to 6%).
Read more: Bitpanda fees and details · Tria fees and details