Yearly cost at three spending levels
| Monthly spend | Plutus | Bitpanda |
|---|---|---|
| $500 | ≤ -$23.02 Starter (€6.99 a month) | ≤ +$60 Standard |
| $2,000 | ≤ -$113.02 Starter (€6.99 a month) | ≤ +$240 Standard |
| $5,000 | ≤ -$293.02 Starter (€6.99 a month) | ≤ +$600 Standard |
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 | Plutus Starter (€6.99 a month) | Bitpanda Standard |
|---|---|---|
| Top-up and conversion fees | $0 | Not disclosed |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$120 | $0 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | -$95.60 | $0 |
| Cashback | +$102.58 | +$240 |
| Net per year | -$113.02 | +$240 |
Fees
Plutus charges 0% to convert or top up and 2.5% on spending in a foreign currency. Bitpanda charges Not disclosed and 0%.
ATM withdrawals: Plutus 2.5%; Bitpanda 2%.
A virtual card costs nothing with Plutus and an undisclosed fee with Bitpanda. A physical card costs €9.99 and nothing. Neither card has an annual fee on its base tier.
Cashback and rewards
Plutus cashback: 3%. Bitpanda cashback: 1%.
Plutus tiers: Starter (€6.99 a month): 3% on the first €250 a month; Everyday (€9.99 a month): 3% on the first €500 a month; Premium (€19.99 a month): 3% on the first €1,000 a month.
Bitpanda tiers: Standard: 1%.
Plutus: Rewards are paid in PLU. Holding more PLU raises the rate from 3% up to 9% and unlocks perks. Plan prices include a promotional discount shown on Plutus's plans page; the fees shown are the same in GBP.
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.
Availability and KYC
Plutus does not publish a country list. Plutus offers EUR and GBP cards and does not publish a country list on its fees page.
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.
Plutus needs full KYC and Bitpanda needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Plutus publishes a daily spending limit of €500,000 and a monthly limit of €1,000,000.
Bitpanda publishes ATM withdrawals of up to €500 a day.
Plutus does not list Apple Pay or Google Pay support, and Bitpanda works with Apple Pay. Plutus issues a virtual card you can use straight away.
Custody and safety
Plutus 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. Plutus refers to a banking partner for its card but does not name the issuer on its fees and plans pages.
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.
Full reports: Plutus safety check and Bitpanda safety check.
About each card
Plutus Card is a custodial Visa card from Plutus (Block Code Ltd, UK; Block Code LT UAB, Lithuania). It tops up with EUR and GBP and its balance is held in EUR.
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.
Which card fits you
Plutus fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You want a higher cashback ceiling (up to 3%).
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.
Read more: Plutus fees and details · Bitpanda fees and details