# Bitpanda Card

by Bitpanda · checked 30 Oct 2026 · updated 30 Oct 2026

Website: [bitpanda.com](https://www.bitpanda.com)

## Facts

- Bitpanda Card is a Visa debit card from Bitpanda.
- Bitpanda Card has no monthly fee.
- A physical version costs 0.00 EUR.
- Payments in foreign currencies cost 0 % above the network rate.
- ATM withdrawals cost 2 % (min. 2.00 EUR).
- It works with Apple Pay.
- Base cashback is 1 %.
- Bitpanda Card is available in Euro area.
- Custody: custodial.
- Supported assets: BTC, ETH.
- Issuer / BIN sponsor: Transact Payments Malta Limited.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | debit |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Card types | physical |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Card network | Visa |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Custody | custodial |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Funding model | converted on spend |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Card currencies | EUR |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Usage | personal |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| ATM withdrawals | Yes |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Contactless | Yes |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | unknown |  |  |
| Physical card issuance | 0.00 EUR |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Shipping | 0.00 EUR – 0.00 EUR |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Monthly fee | 0.00 EUR |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Annual fee | unknown |  |  |
| Top-up fee | unknown |  |  |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | unknown |  |  |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 0 % above the network rate |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | 2 % (min. 2.00 EUR) |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Merchant-specific fee | unknown |  |  |
| Transaction fee | unknown |  |  |
| Cross-border fee | unknown |  |  |
| Withdrawal fee | unknown |  |  |
| Activation fee | unknown |  |  |
| Minimum top-up | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | unknown |  |  |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | unknown |  |  |
| Card replacement | 5.90 EUR |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | 1 % (holding from 0) · in BTC |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

## KYC and limits

KYC: ID document

### ID document

- Verified Bitpanda account at Bitpanda — Requires: ID document; In some cases: Proof of address (on request: TPML may require information/documentary evidence to prove identity and address when applying for the Card or at any time in the future) — cdn.bitpanda.com (checked 30 Oct 2026 · verified 30 Oct 2026)

| Limits | Value |
| --- | --- |
| Spending per day | 10,000 EUR |
| Spending per week | 70,000 EUR |
| Spending per month | 280,000 EUR |
| ATM per day | 500 EUR |

### When is KYC needed?

- After a risk review at its own discretion, Bitpanda may request additional documents such as proof of source of funds. — bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026)
- To order a physical version, Bitpanda requires level 1 (ID document). — bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| ↳ by residence | Available in: Euro area |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Residency requirement | You must be a resident in a country in the euro area. These are countries that have adopted the euro as their primary currency. |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | available |
| Austria | available |
| Switzerland | not available |
| United States | not available |
| United Kingdom | not available |
| France | available |
| Spain | available |
| Italy | available |
| Netherlands | available |
| Türkiye | not available |
| Brazil | not available |
| Nigeria | not available |
| India | not available |
| United Arab Emirates | not available |
| Singapore | not available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | BTC, ETH |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | unknown |  |  |
| Spending order | One user-selected main payment asset; if its balance is too low, an optional fallback asset covers the full payment. Both can be changed anytime in the app. |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Fiat top-up | unknown |  |  |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Transact Payments Malta Limited |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Program manager | Marqeta, Inc. |  | cdn.bitpanda.com (checked 30 Oct 2026 · verified 30 Oct 2026) |
| Headquarters | Available in: Austria |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |
| Support channels | chat, phone, ticket |  | bitpanda.com (checked 29 Oct 2026 · verified 28 Oct 2026) |

- Finanzmarktaufsicht (FMA) · emi 94646 · AT
- Finanzmarktaufsicht (FMA) · casp_mica  · AT [Register entry](https://www.fma.gv.at/en/search-company-database/?id=71621&lang=en_US&print=1)

Licence of the card issuer Transact Payments:

- Malta Financial Services Authority · emi C 91879 · MT

## Company and trust

### Issuer

- Transact Payments
- Issues 3 card programmes in our catalogue

### Transparency

- Transparency 86 %
- 0 of 15 key values not published
- Imprint / company details: yes
- Public fee schedule: no
- Cardholder agreement: yes
- Terms and conditions: yes
- Terms with version or date: yes
- Sources last checked 2026-10-30

## How the score is made up

57.03 of 100 · average. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 90 | 22.5 |
| KYC and privacy | 20 % | 35 | 7.0 |
| Features | 15 % | 64 | 9.6 |
| Availability | 10 % | 21 | 2.1 |
| Rewards | 10 % | 26 | 2.6 |
| Trust | 10 % | 83 | 8.3 |
| Community | 10 % | not scored | counts with the median (5.0) |

## Changelog

- 30 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 55.72 to 56.82.
- 29 Oct 2026: Changes to licences.
- 29 Oct 2026: Score changed from 56.27 to 55.72.
- 29 Oct 2026: Changes to licences.
- 28 Oct 2026: Score changed from 57.49 to 57.44.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Score changed from 58.74 to 57.49.
- 28 Oct 2026: Changes to reported incidents.
- 28 Oct 2026: Changes to licences.
- 28 Oct 2026: Score changed from 61.65 to 58.74.
- 28 Oct 2026: Changes to limits.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Changes to reward programmes.
- 28 Oct 2026: Changes to KYC levels and requirements.
- 28 Oct 2026: Changes to KYC levels and requirements.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/bitpanda-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/bitpanda-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/bitpanda-card/