Yearly cost at three spending levels
| Monthly spend | Bitpanda | Xapo |
|---|---|---|
| $500 | ≤ +$60 Standard | -$1,024 Membership |
| $2,000 | ≤ +$240 Standard | -$1,024 Membership |
| $5,000 | ≤ +$600 Standard | -$1,024 Membership |
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 | Xapo Membership |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $0 | $0 |
| ATM fees | Not disclosed | -$24 |
| Annual, monthly and subscription fees | $0 | -$1,000 |
| Cashback | +$240 | $0 |
| Net per year | +$240 | -$1,024 |
Fees
Bitpanda charges Not disclosed to convert or top up and 0% on spending in a foreign currency. Xapo charges 0% and 0%.
ATM withdrawals: Bitpanda 2%; Xapo 2% after $100 free a month.
A virtual card costs an undisclosed fee with Bitpanda and nothing with Xapo. A physical card costs nothing and nothing.
Cashback and rewards
Bitpanda cashback: 1%. Xapo cashback: None.
Bitpanda tiers: Standard: 1%.
Xapo tiers: Membership: 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.
Xapo: Xapo pays cashback in Bitcoin only through limited-time offers, such as 3% on rideshares with the Metal card from 1 July to 30 September 2026. The membership also includes interest on USD savings, paid in Bitcoin.
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.
Xapo does not publish a country list. Xapo Bank does not publish a list of countries where membership is open.
Bitpanda needs full KYC and Xapo 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.
Xapo does not publish fixed spending or ATM limits.
Bitpanda works with Apple Pay, and Xapo does not list either. Xapo 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.
Xapo scores 69/100. Licensing: holds a licence or registration outside the tier-one list (Credit institution regulated by the Gibraltar Financial Services Commission (Permission No. 23171); crypto services by Xapo VASP Limited, a GFSC-regulated DLT Provider (Permission No. 26061)). No incidents or enforcement actions found in the last 36 months. Xapo says Bitcoin is held 1:1 and legally segregated under Gibraltar's DLT framework, never lent or rehypothecated. USD deposits are covered by the Gibraltar Deposit Guarantee Scheme; crypto balances are not.
Full reports: Bitpanda safety check and Xapo 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.
Xapo Bank Card is a custodial Visa card from Xapo Bank Limited (Gibraltar). It tops up with USD, BTC, USDC and USDT.
Which card fits you
Bitpanda fits if
- You want a higher cashback ceiling (up to 1%).
Xapo fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Bitpanda fees and details · Xapo fees and details