# Bitpanda Card vs. Gate Card: fees, limits & KYC

- Bitpanda Card has the lowest foreign currency fee (0 % above the network rate).
- Gate Card has the best score (62.63).

Entry variant: Gate Card: Standard Card.

## Basics

|  | Bitpanda Card | Gate Card |
| --- | --- | --- |
| Card form | debit | debit |
| **Card types** | physical | virtual, physical |
| Card network | Visa | Visa |
| Custody | custodial | custodial |
| Funding model | converted on spend | converted on spend |
| **Card currencies** | EUR | USD |
| Usage | personal | personal |
| Issuer / BIN sponsor | Transact Payments Malta Limited | unknown |
| Limits depend on | unknown | plan, account tier |
| Cards per account | unknown | unknown |

## Availability

|  | Bitpanda Card | Gate Card |
| --- | --- | --- |
| Available in | unknown | only in the app |

## Crypto

|  | Bitpanda Card | Gate Card |
| --- | --- | --- |
| **Supported assets** | BTC, ETH | BTC, ETH, USDT, GT |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | unknown |
| Fiat top-up | unknown | unknown |

## Payments

|  | Bitpanda Card | Gate Card |
| --- | --- | --- |
| Mobile wallets | Apple Pay | unknown |
| ATM withdrawals | Yes | unknown |
| Contactless | Yes | unknown |

## Fees

|  | Bitpanda Card | Gate Card |
| --- | --- | --- |
| Virtual card issuance | unknown | 0.00 USD |
| Physical card issuance | 0.00 EUR | 0.00 USD |
| Free cards | unknown | unknown |
| Shipping | 0.00 EUR – 0.00 EUR | unknown |
| Monthly fee | 0.00 EUR | 0.00 USD |
| Annual fee | unknown | unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | unknown |
| **Foreign currency fee** | 0 % above the network rate | 1 % |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | 2 % (min. 2.00 EUR) | 2 % |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement | 5.90 EUR | unknown |

## Rewards

|  | Bitpanda Card | Gate Card |
| --- | --- | --- |
| **Cashback** | 1 % (holding from 0) · in BTC | 1–8 % |
| Referral bonus (invited friend) | unknown | 2 USDT |
| Referral bonus (you) | unknown | 5 USDT |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Bitpanda Card | Gate Card |
| --- | --- | --- |
| Limits (entry level) | Spending per day 10,000 EUR · Spending per week 70,000 EUR · Spending per month 280,000 EUR | ATM per transaction 5,000 USD · ATM per day 5,000 USD · ATM per day (number) 10× |

- [Bitpanda Card](https://cryptocardss.com/en/bitpanda-card.md)
- [Gate Card](https://cryptocardss.com/en/gate-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitpanda-card-vs-gate-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/compare/bitpanda-card-vs-gate-card/