Ledger
Bitpanda Card
January 29, 2026VerifiedBitpanda adds 10,000+ stocks and ETFs (Jan 29, 2026)From January 29, 2026, Bitpanda enabled trading of over 10,000 stocks, ETFs and ETCs alongside its crypto offering — accessible to existing Bitpanda Card holders via the Bitpanda app and complementing the card's multi-asset spending.icobench.com
Bitpanda CardBitpanda Card
VisaVirtual and plasticSince 2022Asks for everythingOperational
Pan-European Visa debit issued under MFSA license, funded directly from your Bitpanda crypto/metals/EUR wallet. Up to 2% BTC cashback via BEST VIP tiers, plus the only major card that lets you spend physical-gold-backed (XAU) and silver (XAG) wallets at any Visa POS.
Total, per $100 spent: $0.00per $100 spent
It takes nothing at all. 173 of the 174 priced cards cost more. Among the 113 that ask for exactly as much identity, the median is $1.25.
Open bitpanda.comNot a paid link: we earn nothing either way.
Whether to take Bitpanda Card
In its favour
- Free issuance + zero monthly fee — no recurring costs
- 0% top-up, 0% transaction fee on EUR payments
- Up to 2% cashback in BTC for BEST VIP holders (1% standard rate on crypto purchases)
- Issued by Transact Payments Malta — fully MFSA-regulated
Against it
- Eurozone-only — must be resident in a euro-area country
- Card denominated in EUR only (other fiat currencies not supported)
- Daily ATM withdrawal cap of €500 (non-increasable)
- ATM fee 2% or €2 (whichever is higher) without VIP status
Also true, in its favour
- Apple Pay + Google Pay supported
- Both virtual and physical card issuance
- Pay with crypto, precious metals (gold/silver), or EUR — switch payment asset anytime in the app
- Visa acceptance worldwide (online + in-store + ATM)
- Real-time push notifications with every transaction
- BEST VIP Level 5 unlocks 0.25% reduced FX and unlimited free ATM withdrawals
What Bitpanda Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 0% |
| To spend outside the dollar | 0% |
| At a cash machine | 2% or €2 (whichever is higher); free withdrawals from BEST VIP Level 3+ |
| Total, per $100 spent | $0.00 |
Not published by the issuer: per payment, fixed.
Read off bitpanda.com on July 21, 2026.
Card and monthly: free. EUR payments: 0% fees. Non-EUR: VISA FX mark-up applies. ATM: 2% or €2 minimum (free allowance from BEST VIP Level 3). Daily spend limit €10,000; daily ATM limit €500. Reorder: €9.90.
KYC: what Bitpanda Card asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Daily spend$10,000
Cash, per day$500
Not published by the issuer: monthly spend, per payment, maximum balance.
Confirmed on bitpanda.com on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in15BTC, ETH, USDT, USDC, XRP, BNB, SOL, ADA, DOGE, LTC, DOT, BEST, XAU, XAG, EUR
Chains7Bitcoin, Ethereum, Solana, BNB Chain, Polygon, Cardano, Bitpanda Pro (custodial)
Closed to residents of 10 countries, according to the issuer's own terms.
- Belarus
- China
- Cuba
- Iran
- North Korea
- Russia
- Syria
- Ukraine
- United States
- Venezuela
The other flaws
- Cashback only on crypto-funded payments (excluded for EUR/metals/stocks/stablecoins)
- Full KYC required (ID + selfie); Bankident-verified users not eligible
- Reorder fee €9.90 for damage/loss/theft
- VISA mark-up fees apply on non-EUR transactions
- No IBAN account included with the card
What has changed
1 recorded changes, the most recent on January 29, 2026. Each carries the page we read it on.
How we checked this
Thirteen fields are tracked for every service. 12 of them carry a figure we read off bitpanda.com on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open bitpanda.comNot a paid link: we earn nothing either way.
Alternatives to Bitpanda Card
Costs $1.50 more per $100 — the price of the difference.
Uphold CardUphold CardVisaVirtual and plasticAsks for everythingOperationalFree to load. 1.5% outside the dollar.AG21 Jul$1.50per $100 spent
Uphold CardUphold CardVisaVirtual and plasticAsks for everythingOperationalFree to load. 1.5% outside the dollar.AG21 Jul$1.50per $100 spentCosts $1.50 more per $100 — the price of the difference.
Wayex Visa CardWayex Visa CardVisaVirtual and plasticAsks for everythingOperationalFree to load. 1.5% outside the dollar.AG9 Sept$1.50per $100 spent
Wayex Visa CardWayex Visa CardVisaVirtual and plasticAsks for everythingOperationalFree to load. 1.5% outside the dollar.AG9 Sept$1.50per $100 spentCosts $1.80 more per $100 — the price of the difference.
DeCardDeCardVisaVirtual and plasticAsks for everythingOperational1.8% outside the dollar. 1 fee field is not published.AG21 Jul$1.80per $100 spent
DeCardDeCardVisaVirtual and plasticAsks for everythingOperational1.8% outside the dollar. 1 fee field is not published.AG21 Jul$1.80per $100 spent