Bitpanda Card Review
Free card with cashback on crypto spending
of 10
Bitpanda issues the card free with no monthly cost, charges 0% of its own FX fee on non-euro transactions, and pays 1% cashback — but only on crypto spending, with fiat, metals and stablecoins excluded.
No money changes hands. This is a non-commercial project: no advertising, no sponsored placements, and no affiliate or referral links. Links to the services below earn us nothing. Every overall score is the plain average of the criteria shown on the page, so you can check the arithmetic yourself — see our rating methodology and how the site is funded.
Card fee
Free, no monthly cost
Replacement
EUR 9.90
FX
0% Bitpanda fee; Visa mark-up applies on top
Cashback
1% on crypto asset spending
Excluded from cashback
Fiat, metals, stablecoins and other non-crypto assets
Scores
Each criterion carries equal weight. The overall score is the average of these 5 scores — (8.0 + 7.0 + 4.0 + 5.0 + 7.0) ÷ 5 = 6.2.
Pros
- Free card with no monthly costs
- 0% Bitpanda FX fee on non-euro transactions
- 1% cashback on crypto asset spending
- Exclusions from the cashback programme are stated plainly
Cons
- Visa's own mark-up still applies on top of the 0% FX fee, and is not quantified
- Euro-area residency required
- Assets are custodied by the provider
- EUR 9.90 to replace a lost or damaged card
Free, with an asterisk worth reading
The card carries no issuance or monthly cost and Bitpanda charges 0% of its own FX fee on non-euro transactions. The page also states that Visa's mark-up applies on top, without quantifying it — so the true cost of a foreign transaction cannot be worked out from the page alone.
Cashback that only counts for crypto
The 1% rate applies to crypto asset spending; payments made with fiat, metals, stablecoins or other non-crypto assets are excluded. Stating the exclusions this clearly is better practice than most, even though it narrows the reward considerably.
Eligibility
Residency in a euro-area country is required, which is a tighter constraint than the European availability of some competitors.
How it compares
Sources
Scored from published primary sources rather than hands-on use. Every figure above comes from one of the pages below, on the date shown. Manufacturers change prices and specifications without notice — if something here no longer matches the source, tell us and we will correct it.
Frequently asked questions
Does the Bitpanda Card have a monthly fee?
No. Bitpanda states the card is free with no monthly costs; a replacement card costs EUR 9.90.
What cashback does the Bitpanda Card pay?
1% on crypto asset spending. Payments made with fiat, metals, stablecoins and other non-crypto assets are excluded.
Nothing here is financial advice. Editorial policy · How we score · How we're funded.