Comparison
Bitpanda Card vs. Gate Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Bitpanda CardBitpanda
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Gate CardGate
In short
- Bitpanda Card has the lowest foreign currency fee (0 % above the network rate).
- Gate Card has the higher score (62.63).
| Attribute |
Bitpanda CardBitpanda
Requires KYC
Private
Physical
|
Gate CardGate
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | average | average with variant Classic: 63.63 with variant Platinum: 63.63 with variant Signature Card: 53.79 with variant Essential Card: 60.07 with variant AI Elite Card: 60.63 with variant Gold Card: 60.63 |
| CostsWeight 25 % | 90 | 85 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 64 | 70 |
| AvailabilityWeight 10 % | 21 | not scored |
| RewardsWeight 10 % | 26 | 58 |
| TrustWeight 10 % | 83 | 80 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
debit
bitpanda.com checked 29 Oct 2026
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? |
debit
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
Neither product should be treated as a conventional revolving credit card. In most standard payment scenarios, the user must already have sufficient eligible assets in the relevant account. When crypt...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs) |
physical
bitpanda.com checked 29 Oct 2026
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? |
virtual, physical
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
Gate Card supports both virtual and physical card formats. For the virtual card, users can obtain it immediately upon approval and view it in the Gate Pay App. The virtual card can be used for online...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network |
Visa
bitpanda.com checked 29 Oct 2026
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? |
Visa
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
Gate Card is a Visa credit card issued by Gate, directly linked to your Gate Pay payment account. It can be used at over 150 million merchants worldwide that accept Visa, providing a convenient paymen...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Custody |
custodial
bitpanda.com checked 29 Oct 2026
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? |
custodial
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
The Gate Card offers two spending modes. The first is 'Instant Spend Mode,' which allows users to switch between different funding accounts—such as Gate Pay, Spot Account, or Simple Earn—based on thei...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
converted on spend
bitpanda.com checked 29 Oct 2026
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? |
converted on spend
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
Spend digital assets directly—no manual conversion neededChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
EUR
bitpanda.com checked 29 Oct 2026
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? |
USD
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| Foreign exchange fee (non-USD) | 0.40% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage |
personal
bitpanda.com checked 29 Oct 2026
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? |
personal
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
Gate Card operates on the Visa payment network. All transactions undergo compliance review by the issuing bank and real-time risk control by the Visa network. Applying for a Gate Card requires Level 2...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
Transact Payments Malta Limited
bitpanda.com checked 29 Oct 2026
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? |
|
| Limits depend on (differs) | unknown |
plan, account tier
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| Spending limits | Determined by card tier, card type, region, and account eligibility | Determined by region, card format, and approved limit tier |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per account | unknown | |
| Availability | ||
| Available in (differs) | unknown |
only in the app
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
Gate Card is currently available to users in multiple countries and regions worldwide. Please click to start the application process to confirm your eligibility. If your country or region is not liste...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH
bitpanda.com checked 29 Oct 2026
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? |
BTC, ETH, USDT, GT
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
The Gate Card in 'Instant Spend Mode' supports 4 major digital assets: USDT, BTC, ETH, and GT. The prepaid card mode support a wider range of digital assets. The specific assets available may vary dep...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | |
| Top-up networks | unknown | |
| Fiat top-up | unknown | |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
bitpanda.com checked 29 Oct 2026
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 (differs) |
Yes
bitpanda.com checked 29 Oct 2026
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 (differs) |
Yes
bitpanda.com checked 29 Oct 2026
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 | ||
| Virtual card issuance (differs) | unknown |
0.00 USD
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
Both virtual and physical cards have no issuance fee, no monthly fee, and no inactivity fee. Key cost items are as follows:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) |
0.00 EUR
bitpanda.com checked 29 Oct 2026
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? |
0.00 USD
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
Both virtual and physical cards have no issuance fee, no monthly fee, and no inactivity fee. Key cost items are as follows:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | |
| Shipping (differs) |
0.00 EUR – 0.00 EUR
bitpanda.com checked 29 Oct 2026
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 (differs) |
0.00 EUR
bitpanda.com checked 29 Oct 2026
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? |
0.00 USD
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
Both virtual and physical cards have no issuance fee, no monthly fee, and no inactivity fee. Key cost items are as follows:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee | unknown | |
| Top-up fee | unknown |
0.9 %
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| Top-up fee | 0.90% (calculated and displayed in real time on the page when topping up) | 0.90% (calculated and displayed in real time on the page when topping up) | 0.90% (calculated and displayed i...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.9 %
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| Top-up fee | 0.90% (calculated and displayed in real time on the page when topping up) | 0.90% (calculated and displayed in real time on the page when topping up) | 0.90% (calculated and displayed i...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.9 %
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| Top-up fee | 0.90% (calculated and displayed in real time on the page when topping up) | 0.90% (calculated and displayed in real time on the page when topping up) | 0.90% (calculated and displayed i...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit fee | unknown | |
| Crypto conversion fee | unknown | |
| Foreign currency fee (differs) |
0 % above the network rate
bitpanda.com checked 29 Oct 2026
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? |
1 %
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| FX Fee (non-USD transactions) | Classic and Platinum Cards: 0.40% / Standard Card: 1.00% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.4 %
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| FX Fee (non-USD transactions) | Classic and Platinum Cards: 0.40% / Standard Card: 1.00% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.4 %
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| FX Fee (non-USD transactions) | Classic and Platinum Cards: 0.40% / Standard Card: 1.00% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1.7 %
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| Foreign exchange fee (non-USD transactions) | 1.50% | 1.70% | 1.50% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1.5 %
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| Foreign exchange fee (non-USD transactions) | 1.50% | 1.70% | 1.50% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1.5 %
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| Foreign exchange fee (non-USD transactions) | 1.50% | 1.70% | 1.50% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
2 % (min. 2.00 EUR)
bitpanda.com checked 29 Oct 2026
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? |
2 %
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| ATM Withdrawal | 2% (physical card only) |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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 (differs) |
5.90 EUR
bitpanda.com checked 29 Oct 2026
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? |
|
| Rewards | ||
| Cashback (differs) | 1 % (holding from 0) · in BTC |
1–8 %
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
| T5 | 8x / 8.00% | 40,000 points | Up to 400U | 15,000 points |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) (differs) | unknown |
2 USDT
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
Unlocked instantly once your friend opens a card using your referral code and spends 100 USD within 30 days.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs) | unknown |
5 USDT
gate.com checked 29 Oct 2026
Source and check
Source
gate.com
Wording at the source
Unlocked instantly once your friend opens a card using your referral code and spends 100 USD within 30 days.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
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One mail when something changes at Bitpanda Card · Gate Card: promotions and bonuses as well as warnings and incidents.