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Comparison

Bitpanda Card vs. Xkard Card compared

  • 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 Xkard CardXkard

In short

  • Bitpanda Card has the lowest monthly fee (0.00 EUR).
  • Xkard Card has the higher score (64.34).
Attribute Bitpanda CardBitpanda Requires KYC Private Physical Xkard CardXkard KYC unknown Virtual Physical
Score average average
CostsWeight 25 % 90 77
KYC and privacyWeight 20 % 35 not scored
FeaturesWeight 15 % 64 83
AvailabilityWeight 10 % 21 not scored
RewardsWeight 10 % 26 not scored
TrustWeight 10 % 83 77
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC unknown
Limits (entry level)
  • Spending per day: 10,000 EUR
  • Spending per week: 70,000 EUR
  • Spending per month: 280,000 EUR
+1
  • Spending per year: 50,000 USD
Basics
Card form (differs) debit 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 Source and check Source xkard.io Wording at the source XHYPE cards are prepaid: you top up the card and spend the balance you've loaded. The balance is in the currency that corresponds to each card, so it depends on the card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types (differs) physical 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 Source and check Source xkard.io Wording at the source Essential: 1 virtual card, $10/year, 2.1% top-up fee, $50,000 annual limit. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network (differs) Visa 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?
unknown
Custody custodial 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 Source and check Source xkard.io Wording at the source XHYPE does not custody the assets in your self-custodial wallet. Card balances are held by the independent card issuer, not in your wallet. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model (differs) converted on spend 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?
unknown
Card currencies (differs) EUR 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?
unknown
Usage (differs) personal 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?
unknown
Issuer / BIN sponsor (differs) Transact Payments Malta Limited 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?
unknown
Limits depend on (differs) unknown
plan Source and check Source xkard.io Wording at the source Each plan has an annual limit: Essential $50,000, Premium $250,000 and Whale $1,000,000. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Cards per account unknown
unknown
Availability
Available in unknown
unknown
Crypto
Supported assets (differs) BTC, ETH 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?
unknown
Number of supported assets unknown
unknown
Top-up networks (differs) unknown
Ethereum, BNB Smart Chain, Polygon, Arbitrum, Base Source and check Source xkard.io Wording at the source Top up with USDT, USDC or the network's native coin on BNB Smart Chain, Ethereum, Base, Polygon and Arbitrum. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fiat top-up unknown
unknown
Payments
Mobile wallets (differs) Apple Pay 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 Source and check Source xkard.io Wording at the source All XHYPE cards, virtual and physical, work with Apple Pay and Google Pay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals (differs) Yes 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?
unknown
Contactless Yes 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 Source and check Source xkard.io Wording at the source All XHYPE cards, virtual and physical, work with Apple Pay and Google Pay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fees
Virtual card issuance unknown
unknown
Physical card issuance (differs) 0.00 EUR 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?
unknown
Free cards unknown
unknown
Shipping (differs) 0.00 EUR – 0.00 EUR 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?
unknown
Monthly fee (differs) 0.00 EUR 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?
unknown
Annual fee (differs) unknown
10.00 USD Source and check Source xkard.io Wording at the source Essential: 1 virtual card, $10/year, 2.1% top-up fee, $50,000 annual limit. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Top-up fee (differs) unknown
2.1 % Source and check Source xkard.io Wording at the source Essential: 1 virtual card, $10/year, 2.1% top-up fee, $50,000 annual limit. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Crypto deposit fee unknown
unknown
Crypto conversion fee unknown
unknown
Foreign currency fee (differs) 0 % above the network rate 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?
unknown
FX free allowance unknown
unknown
Minimum FX fee unknown
unknown
ATM fee (differs) 2 % (min. 2.00 EUR) 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?
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 (differs) 5.90 EUR 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?
unknown
Rewards
Cashback (differs) 1 % (holding from 0) · in BTC
unknown
Referral bonus (invited friend) (differs) unknown
only in the app Source and check Source xkard.io Wording at the source XHYPE's referral programme is active. You'll find it in the Referral section of XHYPE Superwallet. Checked Verified Add this value? No earlier versions What does [s] mean?
Referral bonus (you) (differs) unknown
only in the app Source and check Source xkard.io Wording at the source XHYPE's referral programme is active. You'll find it in the Referral section of XHYPE Superwallet. Checked Verified Add this value? No earlier versions What does [s] mean?
Welcome bonus unknown
unknown

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