Yearly cost at three spending levels
| Monthly spend | RedotPay | Bitpanda |
|---|---|---|
| $500 | -$146.40 Standard | ≤ +$60 Standard |
| $2,000 | -$369.60 Standard | ≤ +$240 Standard |
| $5,000 | -$816 Standard | ≤ +$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 | RedotPay Standard | Bitpanda Standard |
|---|---|---|
| Top-up and conversion fees | -$264 | Not disclosed |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$57.60 | $0 |
| ATM fees | -$48 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | $0 | +$240 |
| Net per year | -$369.60 | +$240 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. Bitpanda charges Not disclosed and 0%.
ATM withdrawals: RedotPay 2%; Bitpanda 2%.
A virtual card costs $10 with RedotPay and an undisclosed fee with Bitpanda. A physical card costs $100 and nothing. Neither card has an annual fee on its base tier.
Cashback and rewards
RedotPay cashback: None. Bitpanda cashback: 1%.
RedotPay tiers: Standard: 0%.
Bitpanda tiers: Standard: 1%.
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
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
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.
RedotPay 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
RedotPay publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $3,750 a day.
Bitpanda publishes ATM withdrawals of up to €500 a day.
RedotPay works with Apple Pay and Google Pay, and Bitpanda works with Apple Pay. RedotPay issues a virtual card you can use straight away.
Custody and safety
RedotPay scores 74/100. Licensing: holds a licence or registration outside the tier-one list (Hong Kong Money Lender (No. 1715/2025) and Trust or Company Service Provider licences; Argentina VASP (CNV PSAV No. 144); Lithuania VASP registration (RedotX, UAB); Canada MSB; US FinCEN MSB). No incidents or enforcement actions found in the last 36 months. Client digital assets are held in segregated wallets with Cactus Custody, a Hong Kong trust company (licence TC006789), covered by US$50 million crime and specie insurance, per the custodian's announcement quoting RedotPay's CEO. RedotPay's general terms name Red Dot Trust Limited, a Hong Kong trust company, as custodian of user accounts. We could not find a published proof-of-reserves report.
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: RedotPay safety check and Bitpanda safety check.
About each card
RedotPay Card (Global) is a custodial Visa card from RedotPay group (Red F. Technology Limited, Hong Kong). It tops up with USDT, USDC, BTC and ETH.
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
RedotPay fits if Recommended
- 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 weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Bitpanda fits if
- You spend in foreign currencies often, since its FX markup is lower.
- You want a higher cashback ceiling (up to 1%).
Read more: RedotPay fees and details · Bitpanda fees and details · RedotPay review