Bitpanda Card vs Kraken Card
How Bitpanda Card vs Kraken Card compare on our ratings, crypto card specs, funding, pros and cons.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 3.4/5 | 3.8/5 |
| User rating | No reviews yet | No reviews yet |
| Fees | 3.5 | 4.5 |
| Rewards & cashback | 3.5 | 4.0 |
| Availability | 2.5 | 3.0 |
| App & experience | 4.0 | 4.0 |
| Trust & security | 3.5 | 3.5 |
| Fees & features | ||
| Card type | Debit | Debit |
| Card network | Visa | Mastercard |
| Card format | Virtual, Physical | Virtual |
| Custody | Custodial | Custodial |
| KYC required | Yes | Not disclosed |
| Max cashback | 1% | 2% |
| Rewards paid in | Not disclosed | BTC or EUR |
| Staking needed for top rewards | No | No |
| Welcome bonus | Not disclosed | New cardholders receive Max tier for 30 days, with 2% cashback. |
| Card issuance fee | Free | Free |
| Monthly fee | Free | Free |
| Annual fee | Free | Free |
| Foreign exchange fee | 0% | 0% |
| Crypto conversion spread | Not disclosed | Variable spread applies when spending across assets |
| ATM withdrawals | 2% or €2, whichever is higher; local ATM fees may apply | No ATM withdrawal fee from Kraken; third-party ATM fees may apply |
| Daily spending limit | €10,000 | Not disclosed |
| ATM withdrawal limit | €500 per day | Not disclosed |
| Available in | Europe (EEA) | Europe (EEA), United Kingdom, United States |
| Not available in | United States | Not disclosed |
| Spendable assets | 600+ crypto assets, Precious metals, Fiat, Stocks | 600+ cryptocurrencies, Cash |
| Card currencies | EUR, SEK, NOK, DKK | EUR |
| Spend stablecoins | Yes | Not disclosed |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Good for | Everyday spending, Travel, Online shopping, Subscriptions & AI tools | Everyday spending, Travel, Online shopping, Subscriptions & AI tools |
| Perks | 1% cashback on eligible crypto spending, Primary and fallback payment assets, Real-time transaction notifications | Up to 2% cashback, Up to 6% travel cashback, Instant card lock, Real-time notifications |
| Card issuer | Transact Payments Malta Limited | UAB Monavate |
| Virtual card fee | Not disclosed | Free |
| Company | ||
| Founded | 2014 | 2011 |
| Headquarters | Austria | United States |
| Investors | Valar Ventures, DST Global Partners | DRW Venture Capital, Hong Shan, Jane Street, Oppenheimer Alternative Investment Management +2 |
| Strengths and weaknesses | ||
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| Best for | Euro-area residents spending crypto, Everyday crypto payments, Apple Pay users | Everyday crypto spending, Krak app users, Cardholders spending multiple assets |
Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.