TL;DR.Bitpanda Card is a Visa crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee 0%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: May 1, 2026.
CARD PROFILE · FULL KYC
Bitpanda Card.
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.
Cost / $100
$0.00
Top-up fee
Free
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +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
- +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
Cons.
- −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
- −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
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
0%
Issuance
Free
Monthly
Free
Cost / $100
$0.00
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.
COVERAGE
Where it works.
Supported coins
BTCETHUSDTUSDCXRPBNBSOLADADOGELTCDOTBESTXAUXAGEUR
Chains
BitcoinEthereumSolanaBNB ChainPolygonCardanoBitpanda Pro (custodial)
Use cases
Online · IRL · ATM
Blocked countries
USRUUABYCNIRKPSYCUVE
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
4/5
15087 reviews
Monevia score
75/100
Verified May 1, 2026
ALTERNATIVES