Bitpanda Card

#7 (out of 35) in Crypto Cards
#6 (out of 25) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Instant crypto-to-EUR conversion at purchase, no preload
  • Generous Daily ATM withdrawal limit
  • Popular company with great customer service
  • Higher basic tier taker fees (0.25%) than Binance (0.10%) and (0.075%)
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee


Highest Cashback

up to 2%

Entry-Level Cashback


Daily Spending Limit

10,000 EUR

Daily ATM Withdrawal Limit

350 EUR

Crypto to Fiat Conversion

Auto on Every Purchase

Supported CountriesShow All
Supported CryptocurrenciesShow All (245)
Your Bitpanda Card: black and distinctively designed, offering you the ease of spending crypto in real life.

Your Bitpanda Card: black and distinctively designed, offering you the ease of spending crypto in real life.

Bitpanda Card Benefits and Rewards

Bitpanda card offers up to 2% cashback, paid in BTC. The percentage depends on your holdings of BEST (Bitpanda Ecosystem Token) – the more you hold, the better benefits you qualify for.

To receive a cashback reward, you will need to hold at least 5,000 BEST (~2,200 EUR¹). If you hold 50,000 BEST (~22,000 EUR¹), you qualify for 2% cashback, as well as a reduced FX fee of 0.25%, and unlimited free ATM withdrawals.

Required Holdings Cashback FX Fee Free ATM Withdrawals
VIP Level 0 0 BEST 2.5%
VIP Level 1 10 BEST

~100 EUR¹

VIP Level 2 1,000 BEST

~500 EUR¹

VIP Level 3 5,000 BEST

~2,200 EUR¹

0.5% 1.75% 1 / month
VIP Level 4 10,000 BEST

~4,400 EUR¹

1% 1% 5 / month
VIP Level 5 50,000 BEST

~22,000 EUR¹

2% 0.25% Unlimited

FX Fee is a Foreign Exchange Fee, charged when you use your card abroad. With a higher VIP Level, you get a reduced FX Fee for your Bitpanda Card transactions.

Reality Check While Bitpanda Card promotes up to 2% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 0% cashback.

Are other cards more generous at base tier? Yes.

Bitpanda CardIndustry Average1
Entry Level Cashback0%1%
Entry Level Cashback Monthly Cap-20 EUR

Bitpanda Card is a Debit Card that Converts Your Crypto on Demand

Bitpanda Card offers instant conversion to fiat at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.

It's Offered in Physical Form, Without an Instant Virtual Equivalent

Bitpanda Card is available solely in physical form, unlike 50% of crypto cards offering both physical and virtual versions. This means you'll have to wait for its arrival by mail after completing the KYC Identity Verification.

Wondering about the pros and cons of physical-only format? Here are some highlights:

Physical Card
No Virtual Card
ATM WithdrawalsNo Second Card Number
Required for Car Rentals, HotelsNo Instantly Available Card
Useful When Phone Dies, or no WifiCannot Separate Online Purchases for Safety
Backup Payment MethodCannot Have a 2nd Card with Lower Spend Limits

Even though it's a physical-only card, Bitpanda Card does have Apple Pay support, allowing you to pay with your phone instead of having to take out your wallet everytime.

How Does Bitpanda Card Compare to Other Crypto Cards?

Bitpanda Card ranks #6 out of 25 amongst similar crypto cards. This means it's in the Top 30%.

While we have a total of 35 cards listed in our Crypto Cards category, only 24 are comparable to Bitpanda Card, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Bitpanda Card against its 24 competitors :

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • Supports 245 cryptocurrencies (while other cards support an average of 20).
  • Solid company with a 9/10 company strength score (the average for all competing cards is 7/10).
  • Their customer service is very good with a 8.5/10 score (others score only 7.1/10 on average).
  • Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).

Weakest Features Against Competitors

Compared to its 24 competitors, here are the shortcomings of Bitpanda Card:

  • Offers up to 2% cashback (while other cards give an average of 5%).
  • Limits ATM widthdrawals to 350 EUR per day (average amongst other cards is 1,000 EUR).
  • Doesn't offer any free ATM withdrawals (in contrast to 50% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
  • Bitpanda Card vs. Bybit Card vs. Nexo Card

    Bitpanda Card
    Bybit Card
    Nexo Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Foreign Exchange Fee 2.5% 0.5% 0.5%
    Crypto to Fiat Fee 1.49% 0.9% 0.0%
    Highest Cashback up to 2% up to 10% up to 2%
    Entry-Level Cashback 0% 0.2% 0.5%
    Daily Spending Limit 10,000 EUR 5,000 EUR 10,000 EUR
    Daily ATM Limit 350 EUR N/A (Virtual-Only Card) 2,000 EUR
    Availability for United States flagUnited States
    Supported Cryptocurrencies 245 5 64
    Apple Pay Enabled Not Enabled Enabled
    Customer Service Great Average Great
    Company Strength Strong Strong Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Both Bitpanda Card and Nexo Card offer a solid daily spending limit of 10,000 EUR. The daily limit on Bybit Card is not as high.

    Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Bybit Card offers the best cashback rewards of up to 10%. The cashback rewards for Bitpanda Card and Nexo Card are not as high.

    To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

Bitpanda Card ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in EUR

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Bitpanda Card:

You're at a local ATM and have:
0.0662 ETH (200 EUR)
-2.98 EUR
Bitpanda Crypto-to-Fiat Conversion Fee: 1.49%
-1.5 EUR
Bitpanda ATM Withdrawal Fee: 1.5 EUR
-3 EUR
ATM Operator Fee: ~3 EUR
192.52 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Bitpanda Card will cost you a total of ~7.48 EUR (3.7% of 200 EUR), resulting in a final cash withdrawal of 192.52 EUR in hand.

Doesn't Bitpanda Card Offer Free ATM Withdrawals?

No, it doesn't. Which is a shame, because 50% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.

International non-EUR ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Bitpanda Card, here's what it will look like:

You're at an international ATM and have:
0.0662 ETH (200 EUR)
-2.98 EUR
Bitpanda Crypto-to-Fiat Conversion Fee: 1.49%
-1.5 EUR
Bitpanda Intl ATM Withdrawal Fee: 1.5 EUR
-4.93 EUR
Bitpanda Foreign Exchange Fee: 2.5%
-1.97 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.94 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 178.7 EUR)

For an international withdrawal using your Bitpanda Card with an initial 200 EUR in ETH, you'll incur fees totaling ~18.32 EUR (9.2% of 200 EUR), leaving you with 178.7 EUR in the equivalent foreign currency.

Reality CheckOverall, Bitpanda Card is slightly cheaper than other cards for local ATM withdrawals and slightly more expensive for international ATM withdrawals:

Cost with Bitpanda CardCost with Other Cards
Local ATM Withdrawals~7.4 EUR (3.7% of 200 EUR)~7.6 EUR (3.8% of 200 EUR)
International ATM Withdrawals~18.4 EUR (9.2% of 200 EUR)~17.2 EUR (8.6% of 200 EUR)

From all crypto cards that we reviewed, Nexo Card, Bit2Me Card and KuCoin Card offer the cheapest local ATM withdrawals (2.5%, 2.5% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 7.4% of 200 EUR.

We Tested Bitpanda's Customer Support

We asked Bitpanda's customer support different questions, and then rated their responses to evaluate how good their support is.

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

Bitpanda offers support via the following channels:

Web Form

Location: Bitpanda customer service reps are located in Austria flagAustria, Spain flagSpain and Poland flagPoland.¹

Support Channel Our Interaction Score
Web Form
(replied in
1 d 4 h )
An excellent, reassuring, personalized response to a question about disputing unauthorized card transactions.
High Competence
Highly Personalized
Flawless English, Professional Tone
Web Form
(replied in
1 d 8 h )
Answered the question in detail and included excerpt from the FAQs instead of simply linking to it.
High Competence
Somewhat Personalized
Flawless English, Professional Tone
Web Form
(replied in
4 d 1 h )
Gave a clear explanation of spread vs trading fee. Professional response.
Late Reply
High Competence
Highly Personalized
Flawless English, Professional Tone
Web Form
(replied in
2 d 1 h )
Detailed and knowledgeable answer to a question about BTC Savings.
High Competence
Highly Personalized
Flawless English, Professional Tone
Web Form
(replied in
1 d 5 h )
Didn't answer the questions asked, seems like the answer was copy-pasted.
Low Competence
Somewhat Personalized
Flawless English, Professional Tone

To summarize,

Competence and Problem-Solving: More often than not, Bitpanda's customer service responses are highly competent, proving they're a company that takes your questions seriously.

Customer Love: Bitpanda's support responses are highly personalized, which makes interactions with them very pleasant. They will address you by name, and carefully consider your unique situation to provide tailored answers that meet your specific needs.

Reply Speed: Response times are inconsistent, ranging from as quick as 1 day to as slow as 4 days.

Overall Customer Service Rating: 8.5/10

This excellent score places Bitpanda's Customer Service well above the crypto card industry average of 7.1/10.

Is Bitpanda Card Available for Residents of United States?

No, Bitpanda Card is not available for residents of United States.

Bitpanda Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

To see our list of available crypto cards for United States, see this list. There are currently 5 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Perfect. What's My Next Step?

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

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