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debit Card•Referral Bonus•
Bitpanda Card
by Transact Payments Malta Ltd
The Bitpanda Card is a Visa debit card linked to your Bitpanda investment account. It allows you to spend crypto, metals, and stocks by automatically converting them to EUR at the point of sale. It features a flat 1% cashback on crypto spending and high spending limits for Eurozone residents.
Referral Bonus
Up to €100 referral bonus
BITPANDA CARD
Transact Payments Malta Ltd
Cashback
Up to 1%
Annual Fee
Free
FX Fee
None
Staking
None
1%
Max Cashback
Paid in BTC, Spent Asset
$0
Annual Fee
2
Premium Perks
Available Regions
Unique Features
- Ability to spend 'Stocks' and 'Metals' as cash via instant liquidation
- Fallback asset feature ensures transactions don't fail if primary wallet is empty
Pros
- No monthly maintenance fees
- Spend diverse assets (Crypto, Metals, Stocks)
- 1% Cashback on crypto spending
- High monthly spending limits (€280k)
- Virtual cards available instantly
Cons
- Trading premiums (approx 1.49%) apply to every transaction
- ATM withdrawals always incur a fee (min €2)
- Cashback excludes fiat and stablecoin spending
- Only available in the Eurozone
Integrations & Tech
iOS App
Android App
Debit Mode
IBAN Support
Credit Mode
IBAN: Card is linked to the Bitpanda account which has an IBAN for deposits, but the card itself does not have a unique banking IBAN.
AvailableExcludedUnknown
Available In (27)
AustriaBelgiumBulgariaCroatiaCyprusCzech Republic
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
IssuanceFree
ShippingFree
Replacement$6
Fee Structure
Annual FeeFree
Monthly FeeNone
FX FeeNone
Issuance FeeFree
Shipping FeeFree
Replacement Fee$6
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
ATM Capabilities
ATM Fee (Domestic)N/A
ATM Fee (Intl)N/A
Fee After Limit2%
Crypto Capabilities
Security & Custody
Custody ModelCustodial
Wallet TypeOther
InfrastructureBitpanda internal / Solaris (historical partnership mentioned but TPML is issuer)
Supported Assets
Chains
Multiple (Platform dependent)
Tokens
BTC
ETH
Precious Metals
Stocks
ETFs
Commodities
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
Crypto CashbackEarn 1% back in Bitcoin or the asset you spent.
Samsung PaySupported alongside Apple and Google Pay.
Rewards Program DetailsFlat 1% cashback applies only to payments funded by cryptocurrency assets. Bitpanda Club/BEST VIP levels previously offered tiered cashback, but current documentation specifies a 1% base rate for all eligible cardholders.
Referral Bonus
Up to €100 referral bonus
Payout Frequency
Credited shortly after transaction settlement (up to 15 days max)
Exclusions
Payments funded with Fiat (€), Stablecoins, Precious Metals, and Bitpanda Stocks do not earn cashback. Specific merchant categories (e.g., gambling, financial services) are also excluded.
