Comparison
Bitpanda Card vs. Swissquote Bright Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Bitpanda CardBitpanda
-
swissquote.com29 Oct 2026
Image source
Source
swissquote.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Swissquote Bright CardSwissquote
In short
- Swissquote Bright Card has the higher score (67.64).
| Attribute |
Bitpanda CardBitpanda
Requires KYC
Private
Physical
|
Swissquote Bright CardSwissquote
KYC unknown
Private
Virtual
Physical
Metal
|
|---|---|---|
| Score | average | good with variant Bright: 58.73 with variant Elite: 42.64 |
| CostsWeight 25 % | 90 | 100 |
| KYC and privacyWeight 20 % | 35 | not scored |
| FeaturesWeight 15 % | 64 | 76 |
| AvailabilityWeight 10 % | 21 | not scored |
| RewardsWeight 10 % | 26 | 28 |
| TrustWeight 10 % | 83 | 84 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC unknown |
| 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
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| | LIGHT Swissquote Virtual Debit Mastercard® | BRIGHT Swissquote Debit Mastercard® | ELITE Swissquote Elite Debit Mastercard®* |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
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| | LIGHT Swissquote Virtual Debit Mastercard® | BRIGHT Swissquote Debit Mastercard® | ELITE Swissquote Elite Debit Mastercard®* |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
The staple of our banking package lineup—and for good reason. With both a physical and virtual debit card, along with glowing perks, the Bright package is the perfect choice for those who want more, f...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
metal
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
Discover the Swissquote Elite Debit Mastercard® – a 17-gram metal card with an abundance of prestige and perks.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
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? |
Mastercard
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| | LIGHT Swissquote Virtual Debit Mastercard® | BRIGHT Swissquote Debit Mastercard® | ELITE Swissquote Elite Debit Mastercard®* |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 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
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
Swissquote's core competencies include global stock market trading, trading and custody of crypto assets, Forex trading as well as savings and investment solutions.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
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
Bring your crypto out of the blockchain and into your daily life—we convert it so you can use it for everyday payments, anytime.Checked 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? |
AED, AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, SEK, SGD, USD
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
Enjoy a multi-currency card with no transaction fees and competitive exchange rates.* *Conversion fees 0.95% on: CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD.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
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
Deposit your salary, pay with your favourite device, and stay on top of your bills—our debit cards work seamlessly with every mobile payment platform and have your everyday financial needs covered. En...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
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| Monthly payment Limit | CHF/EUR/USD 10'000 | CHF/EUR/USD 25'000 | CHF/EUR/USD 50'000 |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 | unknown | |
| 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, XRP
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
The Swissquote Mastercard also allows payments in Bitcoin, Ethereum and Ripple, with more cryptos to follow.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? |
Apple Pay
Google Pay
Samsung Pay
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| Apple Pay, Google Pay & Samsung Pay | | | |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals |
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? |
Yes
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| Cash withdrawal in Switzerland | CHF 1.9/withdrawal | 5 free withdrawals/month | 5 free withdrawals/month Beyond that: CHF 1.90 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
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? |
Yes
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| Contactless without PIN Limit | CHF 80 | CHF 80 | CHF 80 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance | unknown | |
| 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? |
|
| 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 CHF
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| Price | Free | CHF 6.90/month Free for the first 6 months** | CHF 39/month |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 0.00 CHF promotion, no end date stated
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| Price | Free | CHF 6.90/month Free for the first 6 months** | CHF 39/month |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? , regular 6.90 CHF swissquote.com checked 29 Oct 2026 Source and check Source swissquote.com Wording at the source | Price | Free | CHF 6.90/month Free for the first 6 months** | CHF 39/month |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
39.00 CHF
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| Price | Free | CHF 6.90/month Free for the first 6 months** | CHF 39/month |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 | |
| 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? |
|
| 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? |
|
| Transaction fee (differs) | unknown |
free
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| Transaction fees | Free | Free | Free |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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? |
5.00 CHF
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| Card replacement fee | | 5 CHF | 50 CHF |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
50.00 CHF
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| Card replacement fee | | 5 CHF | 50 CHF |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Rewards | ||
| Cashback (differs) | 1 % (holding from 0) · in BTC |
0.25–1 %
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
| Trading Credit from crypto payments | 0.5% | 1% | 1% |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 |
100 CHF
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
Recommend Swissquote! For every Swissquote Account opened, you and your friends will receive a Trading Credit of CHF 100.-*Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs) | unknown |
100 CHF
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
Recommend Swissquote! For every Swissquote Account opened, you and your friends will receive a Trading Credit of CHF 100.-*Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Welcome bonus (differs) | unknown |
100 CHF
promotion until –
swissquote.com checked 29 Oct 2026
Source and check
Source
swissquote.com
Wording at the source
Your new account comes pre-loaded with CHF 100 in Trading Credit* to kickstart your investment journey.Checked Verified Value wrong? No earlier versions What does [s] mean? |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Bitpanda Card · Swissquote Bright Card: promotions and bonuses as well as warnings and incidents.