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Bitpanda Card
Visa debit card with 1% crypto cashback and spending from 600+ assets
3.4/ 5
Our score
Fair
Card issuance fee
Free
Monthly fee
Free
Foreign exchange fee
0%
Max cashback
1%
Card network
Visa
What is Bitpanda Card?
Bitpanda Card is a custodial Visa debit card linked to a Bitpanda account. It lets cardholders spend crypto assets, precious metals and fiat without moving funds to a separate card balance. Eligible crypto-funded purchases earn 1% cashback.
Company and funding
Bitpanda GmbH operates from Vienna, Austria. Eric Demuth, Paul Klanschek and Christian Trummer founded the company in 2014 and remain identified as its co-founders. Bitpanda Group AG is the parent company. Reported funding includes $58.2 million in September 2020, $160 million from Valar Ventures and DST Global partners in March 2021, and a $263 million Series C led by Valar Ventures in August 2021. The company had 730 employees in December 2023 and reported 4.5M+ customers in May 2024.
How the card works
The card uses Bitpanda’s custodial account model, so the assets remain in the Bitpanda portfolio rather than in a self-custody wallet. Full KYC is required. Cardholders choose a primary payment asset and a fallback asset in the app. At checkout, Bitpanda sells the selected asset and converts it into euros to settle the Visa transaction. More than 600 crypto assets are available for spending, as well as metals and fiat balances. The card comes in physical and virtual formats and supports Apple Pay. It also provides transaction notifications and card controls in the app.
Fees and limits
Account opening, monthly use and initial shipment are free. Bitpanda lists a €0 non-EUR FX fee, although Visa mark-up fees can apply. ATM withdrawals cost 2% or €2, whichever is higher, and local ATM fees may be added. A replacement card costs €5.90, while each additional physical card costs €10. The euro daily ATM limit is €500 and the daily spending limit is €10,000. The weekly and monthly spending limits are €70,000 and €280,000.
Availability and risks
The card is issued by Transact Payments Malta Limited under a Visa licence. The issuer holds authorisation from the Malta Financial Services Authority as a financial institution. Availability is limited to eligible euro-area residents, while use abroad can still incur Visa mark-up fees. The product launched in 2021.
The main trade-off is custody: access depends on Bitpanda and its regulated card issuer. Cashback applies only to eligible crypto-funded purchases, while spending metals, fiat and stablecoins excludes the transaction from the cashback programme. Selling assets at checkout also exposes each payment to Bitpanda’s conversion rate and applicable premiums. Bitpanda cut 35% of its workforce in June 2022 during a period of falling crypto prices.
Founders
Eric DemuthCo-founder
Paul KlanschekCo-founder
Christian TrummerCo-founder
Best for:Euro-area residents spending cryptoEveryday crypto paymentsApple Pay usersHigh-limit card spending
Pros and cons
Pros
- 1% cashback on eligible crypto-funded purchases
- No monthly fee or initial shipment fee
- Supports more than 600 crypto assets
- Apple Pay support and virtual card format
- €0 Bitpanda FX fee on non-EUR transactions
Cons
- Custodial account depends on Bitpanda and its card issuer
- Availability is limited to eligible euro-area residents
- Full KYC is required
- 2% or €2 minimum ATM fee, plus possible local charges
- Cashback excludes fiat, metals, stablecoins and other non-crypto spending
- Visa mark-up fees may apply to non-EUR transactions
Our review
3.4/5
Fair
Bitpanda Card combines broad asset spending with no monthly fee, but custodial funds, euro-area availability and ATM charges limit its flexibility.
Bitpanda Card is a Visa debit card linked to a custodial Bitpanda account. Transact Payments Malta Limited issues it under a Visa licence and is authorised by the Malta Financial Services Authority.
The card supports more than 600 crypto assets. The card supports more than 600 crypto assets, with a primary and fallback payment asset, and converts the selected asset at checkout. Crypto-funded purchases earn 1% cashback. However, the programme excludes fiat, metals, stablecoins and other non-crypto payment assets, so the headline reward does not cover every purchase. The card also supports Apple Pay, and comes in virtual and physical formats.
Account opening, initial shipment and monthly use are free, and Bitpanda lists a €0 non-EUR FX fee. Visa mark-up fees can still apply. ATM withdrawals cost 2% or €2, whichever is higher, and local ATM fees may sit on top. Replacement costs €5.90, while an extra physical card costs €10. The card's daily spending limit is €10,000, while its daily ATM limit is €500.
Full KYC is required.
Bitpanda was founded in Vienna in 2014 by Eric Demuth, Paul Klanschek and Christian Trummer. It has raised $481.2M, including a $263M Series C led by Valar Ventures in 2021, and reported 4.5M+ customers as of May 2024. The company cut 35% of its workforce in June 2022 during the crypto downturn.
Sources (1)
Fees & limits
| Card type | Debit |
|---|---|
| Card network | Visa |
| Card format | Virtual, Physical · unverified |
| Custody | Custodial |
| KYC required ⓘ | Yes · unverified |
| Max cashback ⓘ | 1% · unverified |
| Staking needed for top rewards | No · unverified |
| Card issuance fee | Free · unverified |
| Monthly fee | Free · unverified |
| Annual fee | Free · unverified |
| Foreign exchange fee | 0% · unverified |
| ATM withdrawals | 2% or €2, whichever is higher; local ATM fees may apply · unverified |
| Daily spending limit | €10,000 · unverified |
| ATM withdrawal limit | €500 per day · unverified |
| Available in | Europe (EEA) · unverified |
| Not available in | United States · unverified |
| Spendable assets | 600+ crypto assets, Precious metals, Fiat, Stocks · unverified |
| Card currencies | EUR, SEK, NOK, DKK · unverified |
| Spend stablecoins | Yes · unverified |
| Apple Pay | Yes · unverified |
| Google Pay | Yes · unverified |
| Good for | Everyday spending, Travel, Online shopping, Subscriptions & AI tools · unverified |
| Perks | 1% cashback on eligible crypto spending, Primary and fallback payment assets, Real-time transaction notifications · unverified |
| Card issuer | Transact Payments Malta Limited · unverified |
Not disclosed by the provider: Business card, Rewards paid in, Welcome bonus, Top-up fee, Crypto conversion spread, Top-up networks, Virtual card fee, Referral program.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Crypto spending
Spend more than 600 crypto assets wherever Visa is accepted, with conversion to euros at checkout.
Primary and fallback assets
Choose a main payment asset and a fallback asset in the Bitpanda app for card transactions.
Eligible cashback
Earn 1% cashback on eligible crypto-funded purchases; spending from fiat, metals, stablecoins and other non-crypto assets is excluded.
Apple Pay support
Add the card to Apple Pay for contactless payments at supported terminals.
Physical and virtual cards
Use physical and virtual card formats for in-store purchases, online payments and subscriptions.
In-app card controls
Block or unblock the card, review payment history and receive real-time transaction notifications in the app.
ATM withdrawals
Withdraw up to €500 per day, with a fee of 2% or €2, whichever is higher, before local ATM charges.
High spending limits
The euro daily spending limit is €10,000, with weekly and monthly limits of €70,000 and €280,000.
Inside Bitpanda Card
In-app card management
The Bitpanda App lets cardholders manage the card, choose a main and fallback payment asset, and block or unblock the card with a tap.
Track your spending
The app shows payment history, cashback rewards and real-time push notifications for transactions.
Apple Pay
Bitpanda Card works with Apple Pay for contactless payments on supported devices wherever Visa contactless payments are accepted.
Bitpanda Card screenshots
What users say about Bitpanda Card
The comments provide almost no direct feedback about the Bitpanda Card itself. No specific positive or negative theme is raised by at least two different authors.
Scam warning: Users report phishing emails, fake confirmation messages, and misleading links impersonating Bitpanda.
Scam warning: Some users question suspicious transaction or promotional messages claiming to come from Bitpanda.
Based on 200 Reddit posts and comments from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used Bitpanda Card? Share your experience below.
Funding and investors
$481.2MTotal raised
3Rounds
2Investors
-
Series C Aug 2021 $263M
-
Funding round Mar 2021 $160M
-
Initial funding round Sep 2020 $58.2M
FAQ
Who founded Bitpanda Card?
Bitpanda was founded in 2014 by Eric Demuth, Paul Klanschek and Christian Trummer. Bitpanda GmbH operates the card through its Bitpanda account platform.
What fees does Bitpanda Card charge?
Account opening, the initial shipment and monthly use are free. ATM withdrawals cost 2% or €2, whichever is higher, while a replacement card costs €5.90 and an extra physical card costs €10.
Where is Bitpanda Card available, and is KYC required?
Full KYC is required.
Is Bitpanda Card custodial?
Yes, Bitpanda Card is custodial because it is linked to assets held in a Bitpanda account. Transact Payments Malta Limited issues the Visa card and is authorised and regulated by the Malta Financial Services Authority.
Which assets can Bitpanda Card spend?
The card supports more than 600 crypto assets for spending, with a primary and fallback payment asset selected in the app. Bitpanda also lists spending from metals and fiat, but those payment assets do not qualify for the cashback programme.
How much cashback does Bitpanda Card pay?
Eligible crypto-funded purchases earn 1% cashback. Purchases funded by fiat, metals, stablecoins and other non-crypto assets are excluded from the cashback programme.
Latest from Bitpanda Card on X
💬 Aufgrund des Ereignisses von letzter Nacht meldet sich unser CTO Markus zu Wort:
"Niemand von uns kann es sich leisten, dies als das Problem eines anderen zu betrachten."
"Niemand von uns kann es sich leisten, dies als das Problem eines anderen zu betrachten."
👀 Wie bleibt ein Broker eigentlich sicher? Wer sich solche & ähnliche Fragen stellt ⤵️
#CybersecurityAwarenessMonth
#CybersecurityAwarenessMonth
🚨 Upcoming Reddit AMA! Mit Markus, unserem CTO!
Er beantwortet live eure Fragen zu Cyber Security und Tech auf r/bitpanda.
👤 Markus, CTO: u/MarDown
🔐 Themen: Cyber Security, Tech & ein Blick hinter die Kulissen
🗓️ Mo., 2. November
⏰ 18:00 Uhr (MEZ)
⏳ ~1h
Was wolltet ihr schon immer über die Tech hinter Bitpanda wissen? Fragt einfach direkt hier👇
https://t.co/xTx3jiZy3T
Er beantwortet live eure Fragen zu Cyber Security und Tech auf r/bitpanda.
👤 Markus, CTO: u/MarDown
🔐 Themen: Cyber Security, Tech & ein Blick hinter die Kulissen
🗓️ Mo., 2. November
⏰ 18:00 Uhr (MEZ)
⏳ ~1h
Was wolltet ihr schon immer über die Tech hinter Bitpanda wissen? Fragt einfach direkt hier👇
https://t.co/xTx3jiZy3T
📣📣 Das Bitpanda Altersvorsorgedepot kommt und du kannst bis zu 75 € Bonus sammeln!
So funktioniert’s:
1⃣. Jetzt auf die Warteliste setzen
2⃣. Nach dem Start 5 Monate lang jeden Monat mindestens 50 € investieren
→ 10 € zurück für jeden Monat mit mindestens 50 € Investment (bis zu 50 €)
→ 25 € extra fürs Anmelden auf der Warteliste, ausgezahlt mit der 5. Monatsprämie, wenn du in allen 5 Monaten investiert hast
Nur für die ersten 10.000 Teilnehmer.
Alle Details und Teilnahmebedingungen findest du hier: https://t.co/qaZgwudaXa
So funktioniert’s:
1⃣. Jetzt auf die Warteliste setzen
2⃣. Nach dem Start 5 Monate lang jeden Monat mindestens 50 € investieren
→ 10 € zurück für jeden Monat mit mindestens 50 € Investment (bis zu 50 €)
→ 25 € extra fürs Anmelden auf der Warteliste, ausgezahlt mit der 5. Monatsprämie, wenn du in allen 5 Monaten investiert hast
Nur für die ersten 10.000 Teilnehmer.
Alle Details und Teilnahmebedingungen findest du hier: https://t.co/qaZgwudaXa
Recent public posts from @Bitpanda, shown as published. Not reviewed or endorsed by CryptoReview.
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