# Bitpanda Card vs. Xkard Card compared

- Bitpanda Card has the lowest monthly fee (0.00 EUR).
- Xkard Card has the higher score (64.34).

Entry variant: Xkard Card: Essential.

## Basics

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

## Availability

|  | Bitpanda Card | Xkard Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | Bitpanda Card | Xkard Card |
| --- | --- | --- |
| **Supported assets** | BTC, ETH | unknown |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | unknown | Ethereum, BNB Smart Chain, Polygon, Arbitrum, Base |
| Fiat top-up | unknown | unknown |

## Payments

|  | Bitpanda Card | Xkard Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay | Apple Pay, Google Pay |
| **ATM withdrawals** | Yes | unknown |
| Contactless | Yes | Yes |

## Fees

|  | Bitpanda Card | Xkard Card |
| --- | --- | --- |
| Virtual card issuance | unknown | unknown |
| **Physical card issuance** | 0.00 EUR | unknown |
| Free cards | unknown | unknown |
| **Shipping** | 0.00 EUR – 0.00 EUR | unknown |
| **Monthly fee** | 0.00 EUR | unknown |
| **Annual fee** | unknown | 10.00 USD |
| **Top-up fee** | unknown | 2.1 % |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | unknown |
| **Foreign currency fee** | 0 % above the network rate | unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | 2 % (min. 2.00 EUR) | unknown |
| 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 | Xkard Card |
| --- | --- | --- |
| **Cashback** | 1 % (holding from 0) · in BTC | unknown |
| **Referral bonus (invited friend)** | unknown | only in the app |
| **Referral bonus (you)** | unknown | only in the app |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Bitpanda Card | Xkard Card |
| --- | --- | --- |
| Limits (entry level) | Spending per day 10,000 EUR · Spending per week 70,000 EUR · Spending per month 280,000 EUR | Spending per year 50,000 USD |

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

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitpanda-card-vs-xkard-card/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 29 Oct 2026, https://cryptocardss.com/en/compare/bitpanda-card-vs-xkard-card/