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Bitpanda Card review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Bitpanda Card suits crypto users who want a fee-light everyday card with cashback on crypto asset spending. Its annual fee is €0, its currency conversion fee is 0%, and the reward is 1% cashback on crypto asset spending, although the available card classification combines debit and credit wording.

Key facts

Best for
A fee-conscious crypto user who wants cashback on eligible crypto spending.
Annual fee
€0↗
Currency conversion fee
0%↗
Rewards type
Cashback↗
Rewards rate
1% cashback on crypto asset spending↗
Perks
1% cashback on crypto asset spending↗
Cashback rate
1%↗
Card kind
Credit↗
Regulators
FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA)↗
Legal entity
Bitpanda GmbH↗
Headquarters
Austria↗
Pricing model
No annual fee
Features
Rewards
Official website
bitpanda.com

Debit cards

Monthly fee
€0↗
Card type
Debit↗
Cashback rate
1%↗
Card network
Visa↗
Custody
Custodial↗

Crypto exchanges

Coins listed
from 650↗
Exchange type
Cex↗

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilotfacebook.com

Pros and cons

Pros

  • The annual fee is €0 and the monthly fee is €0.
  • Crypto asset spending earns cashback of 1% cashback on crypto asset spending.
  • The currency conversion fee is 0%.
  • The card uses Visa under visa.
  • The service lists oversight involving the Austrian Financial Market Authority, the Federal Financial Supervisory Authority and the Malta Financial Services Authority in FMA (Austria), BaFin (Germany) and Austrian Financial Market Authority (FMA).

Cons

  • The cashback applies specifically to crypto asset spending at 1% cashback on crypto asset spending, rather than every purchase.
  • Bitpanda Card is described as a credit card under credit and separately as a debit card under debit, which makes its classification less clear.
  • The rewards offer consists of cashback at 1% cashback on crypto asset spending, with no other reward type identified in rewards.
Bitpanda Card

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Crypto users who regularly make crypto asset spending.
  • People who want a card with an annual fee of €0 and a currency conversion fee of 0%.
  • Users comfortable with a custodial crypto service and a centralised exchange model under custodial and cex.

Who should look elsewhere

  • Varo Believe Secured Credit Card may suit people looking for a specifically secured credit-card product, rather than Bitpanda Card's crypto-linked positioning.
  • Wise may suit people prioritising a broader international account proposition rather than crypto asset spending rewards.

Rewards and perks

Bitpanda Card offers cashback rather than points or another stated reward format. The rewards type is cashback, and the listed return is 1% cashback on crypto asset spending on crypto asset spending. The reward feature is specifically tied to spending that falls within the stated crypto asset category. The listed perks confirm the same cashback structure, giving the card a clear purpose for people who already use crypto assets.

Safety of your money

Bitpanda is associated with regulatory and licence entries across Austria, Germany and Malta. The listed Austrian Financial Market Authority entry is MiCA CASP 5493007WZ7IFULIL8G21, while the German Federal Financial Supervisory Authority entry is MiCA CASP 9845005X9B7N610K0093. The Malta Financial Services Authority entry is MiCA CASP 984500DEID7B03J77118. An additional Austrian entry is listed as PSD_EMI AT_FMA_54966. These entries identify regulatory permissions, but the available information does not state a deposit protection amount or scheme coverage.

Using it day to day

The card is listed as a debit card under debit, and its network is Visa under visa. It is also described separately as a credit card under credit. That distinction matters when comparing how the card is used day to day, because the available classification combines debit-card and credit-card wording. The network is the clearest practical detail for everyday acceptance: the card operates on Visa.

Where it sits among rivals

Bitpanda Card sits highly in the available fee rankings. Its annual-fee position is 1 among 312 brands, and its currency-conversion-fee position is 1 among 186 brands. The actual annual fee is €0, and the currency conversion fee is 0%. The ranking therefore supports a strong cost comparison, while the reward benefit is directed at crypto asset spending through 1% cashback on crypto asset spending.

Regulation and registers

The listed regulatory permissions cover Austria, Germany and Malta. The Austrian Financial Market Authority entry is MiCA CASP 5493007WZ7IFULIL8G21; the German Federal Financial Supervisory Authority entry is MiCA CASP 9845005X9B7N610K0093; and the Malta Financial Services Authority entry is MiCA CASP 984500DEID7B03J77118. The separate Austrian listing is PSD_EMI AT_FMA_54966. The regulators named for the service are FMA (Austria), BaFin (Germany) and Austrian Financial Market Authority (FMA).

Who runs it

The legal entity behind the service is Bitpanda GmbH, based in Austria. The service is associated with the Austrian Financial Market Authority, the Federal Financial Supervisory Authority and the Malta Financial Services Authority, as listed in FMA (Austria), BaFin (Germany) and Austrian Financial Market Authority (FMA). The licence entries include MiCA CASP 5493007WZ7IFULIL8G21, MiCA CASP 9845005X9B7N610K0093 and MiCA CASP 984500DEID7B03J77118, alongside the Austrian listing PSD_EMI AT_FMA_54966.

How Bitpanda Card compares

Where Bitpanda Card is available

Available
Austria, Belgium, Croatia, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain
Licence in Austria
Austrian Financial Market Authority (FMA) (MiCA CASP 5493007WZ7IFULIL8G21), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Licence in Germany
Federal Financial Supervisory Authority (BaFin) (MiCA CASP 9845005X9B7N610K0093), checked September 26, 2026, also valid in Germany, Austria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Licence in Malta
Malta Financial Services Authority (MFSA) (MiCA CASP 984500DEID7B03J77118), checked September 26, 2026, also valid in Malta
Licence in Austria
AT_FMA (PSD_EMI AT_FMA_54966), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Bitpanda Card cost to hold?+

The annual fee is €0, and the monthly fee is €0. Bitpanda Card is therefore positioned as a low-cost card on its stated recurring charges. These figures cover the listed card fees rather than the value of purchases or rewards.

What rewards does Bitpanda Card offer?+

Bitpanda Card pays 1% cashback on crypto asset spending on crypto asset spending. The reward type is cashback, and rewards are the card feature identified in rewards. The cashback is therefore tied to the stated spending category rather than presented as a general reward on every transaction.

Which payment network does the card use?+

Bitpanda Card uses the Visa network under visa. Its card type is listed as debit under debit, while the card kind is separately described as credit under credit. The available classification is therefore mixed.

Is Bitpanda Card a credit card or a debit card?+

The card's listed type is debit under debit, but its card kind is also identified as credit under credit. This difference means the card should not be treated as a conventional single-category credit product without checking the current card terms.

Which regulators are listed for Bitpanda?+

Bitpanda is linked with the Austrian Financial Market Authority, the Federal Financial Supervisory Authority and the Malta Financial Services Authority in FMA (Austria), BaFin (Germany) and Austrian Financial Market Authority (FMA). The listed licence entries also identify the Austrian Financial Market Authority and AT_FMA. These entries concern the regulated operators and registrations associated with the service.

Who runs Bitpanda Card?+

The service is operated by Bitpanda GmbH, whose headquarters country is AT. The listed regulators are FMA (Austria), BaFin (Germany) and Austrian Financial Market Authority (FMA). This makes Bitpanda GmbH the named legal entity associated with the service.

How does Bitpanda Card compare on fees?+

Bitpanda Card has an annual fee of €0 and a currency conversion fee of 0%. The annual-fee ranking is 1 among 312 brands, while the currency-conversion-fee ranking is 1 among 186 brands.

Who is Bitpanda Card designed for?+

The card supports from 650 listed assets and uses a custodial arrangement under custodial. Its exchange type is listed as a centralised exchange under cex. The product is therefore aimed at users who are comfortable with crypto exposure held through a custodial service.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

Bitpanda Card

Bitpanda Card

A fee-conscious crypto user who wants cashback on eligible crypto spending.

9.4/10Visit