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Image source Source bitpanda.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by Bitpanda

Bitpanda Card

KYC: ID document KYC and limits

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified28 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on
Score average of 100

How it is made up ↓Methodology →

To Bitpanda

Bitpanda Card is a physical Visa debit card for personal use, linked to a custodial Bitpanda account. The selected payment asset is converted to EUR when a purchase or cash withdrawal is made. Ordering requires a verified Bitpanda account and residence in a euro-area country.

The published monthly fee is 0.00 EUR. Crypto asset spending earns 1 % cashback; the card also supports contactless payments and Apple Pay.

automatically created

Basicsbitpanda-card

Card form
debit Source and check Source bitpanda.com Wording at the source The Bitpanda Card is a debit card, therefore you cannot create any debt when using it. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card types
physical Source and check Source bitpanda.com Wording at the source Your card will typically be shipped within 3-7 working days. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card network
Visa Source and check Source bitpanda.com Wording at the source This Visa card is issued by Transact Payments Malta Limited pursuant to licence by VISA Europe Limited. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Custody
custodial Source and check Source bitpanda.com Wording at the source It is connected to your Bitpanda account and enables you to spend funds directly from any of your wallets - be that fiat, crypto, stocks or metals. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Funding model
converted on spend Source and check Source bitpanda.com Wording at the source This means at the moment you complete a purchase or cash withdrawal with your card, your asset will instantly and automatically be traded to EUR and deducted from your EUR fiat currency wallet to comp... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card currencies
EUR Source and check Source bitpanda.com Wording at the source The Bitpanda Card is nominated in EUR and all related transactions are processed in EUR. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Usage
personal Source and check Source bitpanda.com Wording at the source - You have a verified Bitpanda account - You must be a resident in a country in the euro area. These are countries that have adopted the euro as their primary currency. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on
unknown
Cards per account
unknown
Mobile wallets
Apple Pay Source and check Source bitpanda.com Wording at the source Enjoy all the benefits of the Bitpanda Card while paying contactless with Apple Pay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
ATM withdrawals
Yes Source and check Source bitpanda.com Wording at the source You can use it for online payments, to pay for your groceries at the supermarket or to make ATM withdrawals. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Contactless
Yes Source and check Source bitpanda.com Wording at the source Enjoy all the benefits of the Bitpanda Card while paying contactless with Apple Pay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?

Fees and cashback

AttributeValue
Fees
Virtual card issuance unknown
Physical card issuance 0.00 EUR Source and check Source bitpanda.com Wording at the source | Initial shipment | Free | Free | Free | Free | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Shipping 0.00 EUR – 0.00 EUR Source and check Source bitpanda.com Wording at the source | Initial shipment | Free | Free | Free | Free | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Monthly fee 0.00 EUR Source and check Source bitpanda.com Wording at the source | Monthly cost | Free | Free | Free | Free | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
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 Source and check Source bitpanda.com Wording at the source | Non-EUR FX Fee | €0 | 0 kr | 0 kr | 0 kr. | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Minimum FX fee unknown
ATM fee 2 % (min. 2.00 EUR) Source and check Source bitpanda.com Wording at the source | Min. ATM fee | 2% or €2 (whatever is higher) | 2% or 22 kr (whatever is higher) | 2% or 22 kr (whatever is higher) | 2% or 15 kr. (whatever is higher) | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? ↳ Withdrawing 179.69 EUR at an ATM: 3.59 EUR
Merchant-specific fee unknown
Declined payment fee unknown
Refund fee unknown
Inactivity fee unknown
Minimum monthly spend unknown
Inactivity rule unknown
Card replacement 5.90 EUR Source and check Source bitpanda.com Wording at the source | Replacement card (Reissue) | €5.90 | 65 kr | 65 kr | 45 kr. | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? ↳ replacement_1: 5.90 EUR ↳ replacement_2: 5.90 EUR
Plan waivers unknown
Cashback & rewards
Cashback 1 % Source and check Source bitpanda.com Wording at the source - Earn 1% cashback on all crypto asset spending Checked Verified Value wrong? History What does [s] mean? holding from 0 in BTC

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. ID document

    ID document, often with a selfie or video ident

    1. Verified Bitpanda account at Bitpanda

      Source and check Source bitpanda.com Wording at the source - You have a verified Bitpanda account - You must be a resident in a country in the euro area. These are countries that have adopted the euro as their primary currency. Checked Verified Value wrong? No earlier versions What does [s] mean?

      Requires: ID document

      Accounts verified via "Bankident" cannot order the card (as of the card page).

LimitsValue
Spending per day 10,000 EUR Source and check Source bitpanda.com Wording at the source | Daily Expenditure | €10,000 | 115,100 kr | 117,500 kr | 74,600 kr. | Checked Verified Value wrong? No earlier versions What does [s] mean?
Spending per week 70,000 EUR Source and check Source bitpanda.com Wording at the source | Weekly Expenditure | €70,000 | 805,700 kr | 822,500 kr | 522,200 kr. | Checked Verified Value wrong? No earlier versions What does [s] mean?
Spending per month 280,000 EUR Source and check Source bitpanda.com Wording at the source | Monthly Expenditure | €280,000 | 3,222,800 kr | 3,290,000 kr | 2,088,800 kr. | Checked Verified Value wrong? No earlier versions What does [s] mean?
ATM per day 500 EUR Source and check Source bitpanda.com Wording at the source | Daily ATM Withdrawals | €500 | 5,755.00 kr | 5,875. kr | 3,730 kr. | Checked Verified Value wrong? No earlier versions What does [s] mean?

KYC: ID document Bitpanda states that it does not offer a KYC-free card.

When is KYC needed?

  • Risk reviewAfter a risk review at its own discretion, Bitpanda may request additional documents such as proof of source of funds. Source and check Source bitpanda.com Wording at the source Note: If you have been asked to provide "Proof of funds", all payout options including the Bitpanda Card will be disabled until the requested documents have been submitted, processed and approved. Checked Verified Value wrong? History What does [s] mean?
  • Ordering a physical cardTo order a physical card, Bitpanda requires level 1 (ID document). Source and check Source bitpanda.com Wording at the source - In order to be eligible to order the Bitpanda Card, you have to fulfil the following two requirements: - You have a verified Bitpanda account Checked Verified Value wrong? History What does [s] mean?
What do you have to show? Open the KYC finder

Availability

AttributeValue
Available in
  • by residence: Available in: Euro area Source and check Source bitpanda.com Wording at the source You must be a resident in a country in the euro area. These are countries that have adopted the euro as their primary currency. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
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. Source and check Source bitpanda.com Wording at the source You must be a resident in a country in the euro area. These are countries that have adopted the euro as their primary currency. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?

Key countries

  • 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

✓ available · ✗ not available · ? not known from the sources

Point at or tap a country.

available (21) not available (229) unknown

Crypto

AttributeValue
Supported assets BTC, ETH Source and check Source bitpanda.com Wording at the source For instance, you initially set the Main payment asset to be Bitcoin but now you want to pay with Ethereum instead. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
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. Source and check Source bitpanda.com Wording at the source The Main payment asset is the default asset to cover your transaction. If the balance of your Main payment asset is too low to fund the transaction, your card would normally be declined. In this case,... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fiat top-up unknown

Bonuses and promotions

What Bitpanda offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

No referral bonus, welcome bonus or promotion documented yet.

Trust

AttributeValue
Issuer / BIN sponsor Transact Payments Malta Limited Source and check Source bitpanda.com Wording at the source This Visa card is issued by Transact Payments Malta Limited pursuant to licence by VISA Europe Limited. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Program manager unknown
Headquarters Available in: Austria Source and check Source bitpanda.com Wording at the source - Stella-Klein-Löw Weg 17 1020 Vienna \| Austria Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Support channels chat, phone, ticket Source and check Source bitpanda.com Wording at the source ### Support, right when you need it In the Bitpanda mobile app ### Schedule a Call Mon-Fri 9-5, with our expert native speakers (English, Deutsch, Français, Italiano).### Live Chat 24/7 Instant AI... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?

Issuer

Transact Payments Source and check Source bitpanda.com Wording at the source This Visa card is issued by Transact Payments Malta Limited pursuant to licence by VISA Europe Limited. Checked Verified Licensed 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 2026-10-29

Licences

  • Finanzmarktaufsicht (FMA) Source and check Source bitpanda.com Wording at the source E-Money-Institution licensed in Austria with FMA, holding an E-money and PSD2-license (under Commercial Register Number: 501412x; Institute code: 94646) Checked Verified Value wrong? History What does [s] mean? E-money licence 94646 (AT)
  • Finanzmarktaufsicht (FMA) Source and check Source fma.gv.at Wording at the source - Category: CASP - Crypto-Asset Service Provider (AT) - Address: Stella-Klein-Löw-Weg 17 \| 1020 Wien \| Austria - Contact: - Email: [[email protected]](/cdn-cgi/l/email-protection#4d3e383d3d223f390d... Checked Verified Value wrong? History What does [s] mean? CASP (MiCA) (AT) Register entry

Licence of the card issuer Transact Payments

  • Malta Financial Services Authority Source and check Source bitpanda.com Wording at the source Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994. Registration number C 91... Checked Verified What does [s] mean? E-money licence C 91879 (MT)

Incidents

  • The Austrian FMA imposed a EUR 70,000 fine on Bitpanda GmbH for several MiCAR breaches, including failures concerning crypto-asset white papers and marketing communications. The penal order is final; on 1 October 2026 the FMA said it was reviewing the legality of its publication at Bitpanda's request. Source and check Source fma.gv.at Wording at the source Release Date: 14. August 2026 | Categories: - Sanction The Austrian Financial Market Authority (FMA) has imposed a fine of EUR 70,000 on Bitpanda GmbH. The proceedings were concluded in an acce... Checked Verified Value wrong? History What does [s] mean?

What users report

No community reports evaluated yet.

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.

Methodology and weights
  1. CostsWeight 25 %
    90/100
    22.5 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    35/100
    7.0 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    64/100
    9.6 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    21/100
    2.1 of 10 points

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    26/100
    2.6 of 10 points

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    83/100
    8.3 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % 80
    • Company age (up to 5 years)Weight 10 % not scored
    • Card on the market (up to 3 years)Weight 10 % not scored
    • IssuerWeight 15 % 92
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 86
    • Incidents (12 months)Weight 15 % 75
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

Early warning

Alerts for this card

We tell you what changes at Bitpanda Card and Bitpanda, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Score changed from 55.72 to 56.82.

  • Changes to licences.

  • Score changed from 56.27 to 55.72.

  • Changes to licences.

  • Score changed from 57.49 to 57.44.

  • Changes to KYC levels and requirements.

  • Score changed from 58.74 to 57.49.

  • Changes to reported incidents.

  • Changes to licences.

  • Score changed from 61.65 to 58.74.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Changes to reward programmes.

  • Changes to KYC levels and requirements.

  • Changes to KYC levels and requirements.

Apply for Bitpanda Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

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