Comparison
Bitpanda Card vs. Uphold Debit Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Bitpanda CardBitpanda
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Uphold Debit CardUphold
In short
- Bitpanda Card has the lowest foreign currency fee (0 % above the network rate).
- Uphold Debit Card has the higher score (60.35).
| Attribute |
Bitpanda CardBitpanda
Requires KYC
Private
Physical
|
Uphold Debit CardUphold
Requires KYC
Private
Virtual
Physical
Metal
|
|---|---|---|
| Score | average | average with variant Uphold Elite Card: 62.95 |
| CostsWeight 25 % | 90 | 80 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 64 | 84 |
| AvailabilityWeight 10 % | 21 | 17 |
| RewardsWeight 10 % | 26 | 61 |
| TrustWeight 10 % | 83 | 80 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs) |
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? |
prepaid
uphold.com checked 29 Oct 2026
Two sources, two values
Shownprepaid
uphold.comchecked 29 Oct 2026
The Card is a prepaid card. The Card allows you to access Fiat, Cryptocurrencies, Precious Metals, and Currencies loaded or deposited on the Uphold Platform by you or on your behalf.Differingdebit uphold.comfetched 29 Oct 2026 Your Uphold Debit Card uses the asset balances in your wallet. You can fund it through bank transfers, direct deposit, PayPal, or crypto deposits.The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 29 Oct 2026 Value wrong? History 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
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| Physical Card | $0 (Metal card) | $4.99 (Plastic card) |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, metal
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| Physical Card | $0 (Metal card) | $4.99 (Plastic card) |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
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
Use anywhere Visa is accepted.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
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
For example, if you go to the gas station and use your Card linked to your Bitcoin asset account to buy gas at the pump. To authorize the transaction, the Program Manager will sell $75 in Bitcoin to a...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
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
The Card is a prepaid card. The Card allows you to access Fiat, Cryptocurrencies, Precious Metals, and Currencies loaded or deposited on the Uphold Platform by you or on your behalf. In the Uphold Pla...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? |
USD
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
No cryptocurrency debits, credits or balances will take place on the Uphold Visa Card or be held on the Card. Only US Dollars (USD) are transacted on the Uphold Visa Card.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
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
You agree (i) not to use your Card for illegal gambling or any other illegal purpose; (ii) to use your Card for personal use only and not for any business or commercial purposes;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? |
Cross River Bank
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
This document is an agreement ("Agreement") containing the terms and conditions that apply to the Uphold Essential Card and the Uphold Elite Card (individually and collectively, "Uphold Visa Card") is...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs) | unknown |
plan
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| Purchases (POS) | $2,500 per day (the "Daily Purchase Limit") and $10,000 per month | $25,000 per day (the "Daily Purchase Limit") and $100,000 per month |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 |
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
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| BTC, ETH | 2.00% – 2.20% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets (differs) | unknown |
300
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
Spend dollars or 300+ digital assets instantly.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up networks | unknown | |
| Fiat top-up (differs) | unknown |
Yes
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
Your Uphold Debit Card uses the asset balances in your wallet. You can fund it through bank transfers, direct deposit, PayPal, or crypto deposits.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
Anywhere Visa is accepted worldwide, online and in person, including Apple Pay and Google Pay (when available).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
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| ATM Withdrawal Fee | $0 | $2.95 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 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
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| Virtual Card | $0 | $0 |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? |
|
| 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? |
|
| Annual fee (differs) | unknown |
0.00 USD
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| Annual Fee | $99.99 | $0 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
99.99 USD
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| Annual Fee | $99.99 | $0 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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? |
1.5 %
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| Foreign Transaction Fee | 0% | 1.50% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0 %
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| Foreign Transaction Fee | 0% | 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? |
2.95 USD
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| ATM Withdrawal Fee | $0 | $2.95 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
free
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| ATM Withdrawal Fee | $0 | $2.95 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee (differs) | unknown |
free
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| POS Signature Purchase | $0.00 | $0.00 | Press Credit at the POS machine when asked and card-not-present transactions. |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 (differs) | unknown |
0.00 USD
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| POS Decline | $0.00 | $0.00 | Transaction is declined for any reason. |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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? |
4.99 USD
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
| Card Replacement | $4.99 | $29.99 One Free Replacement Each Year | One replacement each year at $0.00. Replacing your card because it is lost, stolen, or damaged. |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 | |
| Referral bonus (invited friend) (differs) | unknown |
20 USD
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
Rewards: All Eligible Referrers and Qualified Referral (both defined below) will each receive US$20 worth of bitcoin reward for each Qualified Referral (subject to the terms, conditions, and limitatio...Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs) | unknown |
20 USD
uphold.com checked 29 Oct 2026
Source and check
Source
uphold.com
Wording at the source
Rewards: All Eligible Referrers and Qualified Referral (both defined below) will each receive US$20 worth of bitcoin reward for each Qualified Referral (subject to the terms, conditions, and limitatio...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 · Uphold Debit Card: promotions and bonuses as well as warnings and incidents.