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Bitpanda Card

by Bitpanda · Visa · Debit card · Issuer terms last read Sep 28, 2026

A plain, free euro-area debit card from a regulated European broker: no card cost, no monthly fee, and no FX fee charged by Bitpanda. The 1% is modest and only applies to eligible crypto spending — fiat, metals and stablecoins are excluded — so the appeal is the absence of cost and the breadth of assets you can spend, including metals, rather than the reward rate.

What works

  • Free card with no monthly cost
  • 0% FX fee charged by Bitpanda on non-euro transactions
  • Spend crypto, metals and other assets held on Bitpanda
  • Apple Pay support; issued by Transact Payments Malta Limited

What does not

  • 1% cashback only, and only on eligible crypto spending
  • Fiat, metals, stablecoins and other assets are excluded from cashback
  • Visa's own FX markup may still apply
  • Euro-area residents only

Who it suits

Euro-area users who want a free card to spend a mixed Bitpanda portfolio, including metals, without a subscription.

Terms in full

Quoted from the issuer's own pages. Rows the issuer does not publish are marked as such rather than guessed.

Network
Visa
Card type
Debit card funded from your Bitpanda portfolio
Reward
1% cashback on eligible crypto spending
Reward asset
Not published on the product page
Requirement
None
Annual fee
Free card, no monthly cost
Foreign exchange
0% Bitpanda FX fee on non-euro transactions; Visa markup may apply
ATM
Not published
Availability
Eligible residents of a euro-area country
Custody
Custodial; issued by Transact Payments Malta Limited
Tax treatment
Card transactions convert the selected asset to EUR at payment time, which may be taxable

If this one does not fit

OKX Card

2% in USDG, 4%–5% for VIPs

Nexo Card

0.5%–2% in NEXO, or 0.1%–0.5% in BTC

Questions about this card

Sources