Updated September 28, 2026 · SumCue Editorial Team
Bitpanda Card vs Qonto
Bitpanda Card
Higher score in this comparison
Qonto
Where Bitpanda Card and Qonto differ
| Compare | Bitpanda CardReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Currency conversion fee | 0%Lower | 2% |
| Rewards type | Cashback | None |
| Perks | 1% cashback on crypto asset spending | Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere |
| APR | Not confirmed | 17.5% |
| Rewards rate | 1% cashback on crypto asset spending | Not confirmed |
| Cashback rate | 1% | Not confirmed |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA) | Not confirmed |
Same on both: Annual fee (€0), Card kind (Credit).
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Key differences
- Bitpanda Card scores higher overall: 9.4 vs 8.6.
- Bitpanda Card is licensed in 2 more countries.
- Bitpanda Card is available in 11 more countries.
- Currency conversion fee is lower at Bitpanda Card: 0% vs 2%.
- Perks: only Bitpanda Card offers 1% cashback on crypto asset spending.
- Perks: only Qonto offers Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Features: only Bitpanda Card offers Rewards.
- Features: only Qonto offers Multi currency, Virtual card, Travel.
Our verdict on each
Bitpanda Card
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.
Qonto
Qonto suits businesses that want a low-cost Mastercard debit card with included card insurance and account remuneration. It is less suitable for frequent cash withdrawals or overseas spending, because free ATM withdrawals are €0 and currency conversion costs 2%.
Score breakdown
| Area | Bitpanda Card | Qonto |
|---|---|---|
| Cost | 9.4HigherThe annual fee is €0, while the monthly fee is €0. | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. |
| Offer | 8.4The card offers cashback of 1% cashback on crypto asset spending on crypto asset spending. | 9.4Higher |
| Trust | 10.0Higher | 8.4 |
How they place
| Ranking | Bitpanda Card | Qonto |
|---|---|---|
| Credit and debit cards | 14 of 1594 | 12 of 1594 |
| Debit cards | 11 of 826 | 10 of 826 |
Every fact side by side
| Fact | Bitpanda Card | Qonto |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Multi currency, Virtual card, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Bitpanda GmbH | QONTO |
| Headquarters | Austria | France |
| Founded | Not confirmed | 2017 |
| Support channels | Not confirmed | Chat, Phone, Email, Help centre |
Debit cards
| Fact | Bitpanda Card | Qonto |
|---|---|---|
| Monthly fee | €0Lower | €9 |
| Free ATM withdrawals | Not confirmed | €0 |
| Card type | Debit | Debit |
| Cashback rate | 1% | Not confirmed |
| Card network | Visa | Mastercard |
| Currencies | Not confirmed | from 30 |
| Custody | Custodial | Not confirmed |
Crypto exchanges
| Fact | Bitpanda Card | Qonto |
|---|---|---|
| Coins listed | from 650 | Not confirmed |
| Exchange type | Cex | Not confirmed |
Savings
| Fact | Bitpanda Card | Qonto |
|---|---|---|
| Headline rate | Not confirmed | 1.5% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | €0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | Instant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month |
| Account kind | Not confirmed | Cash management |
Where each stands against the rest
| Fact | Bitpanda Card | Qonto | Median |
|---|---|---|---|
| Annual fee | €0at the median | €0at the median | €0 |
| APR | Not confirmed | 17.5%above the median | 11.635% |
| Currency conversion fee | 0%below the median | 2%above the median | 1% |
| Cashback rate | 1%below the median | Not confirmed | 1.5% |
Median across 486 listed providers.
Pros and cons
Bitpanda Card
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%.
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.
Qonto
Pros
- The Mastercard debit card has an annual fee of €0.
- Card insurance for travel, business purchases and fraud is included through Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Eligible Smart and Premium plans can receive account remuneration under the terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
Cons
- Qonto charges a monthly fee of €9, while bunq lists a monthly fee of €0.
- Free ATM withdrawals are €0, which may be costly for a business that regularly uses cash machines.
- The currency conversion fee of 2% is above the site median of 1%.
Who each suits
Bitpanda Card
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.
Qonto
Who it suits
- Businesses that regularly use a Mastercard debit card for travel or business purchases.
- Smart and Premium plan customers who meet the remuneration terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Users who want chat, phone, email and help-centre support through chat, phone and email.
Who should look elsewhere
- Businesses focused on low cost that may prefer bunq, whose monthly fee is €0.
- Frequent overseas spenders who prefer Wise and want to compare its fee with Qonto's 2%.
- Cash-heavy businesses that want free ATM withdrawals, because Qonto offers €0.
Current offers
Qonto
Current offer
Free trial
1-month free trial on all Qonto plans: 1 month free
Shown on Basic, Smart, Premium, Essential, Business and Enterprise plan cards on the pricing page.
Source, checked September 26, 2026
First period offer
Remunerated account: 5% AER for 2 months, then 1.5% AER: 5% AER for 2 months, then 1.5% AER
Smart and Premium plans; requires at least 5 eligible transactions per month; remunerated balance cap EUR 50,000 (Smart) or EUR 100,000 (Premium).
Source, checked September 26, 2026
Country by country
| Country | Bitpanda Card | Qonto |
|---|---|---|
| Croatia | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
| Greece | Yes | No |
| Ireland | Yes | No |
| Latvia | Yes | No |
| Lithuania | Yes | No |
| Luxembourg | Yes | No |
8 of 19 countries where either is available.
Questions about each
Bitpanda Card
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.
Qonto
What does Qonto charge each month?+
Qonto's account fee is €9. The Mastercard debit card itself has an annual fee of €0. The card also offers a deferred debit option on Plus and X Cards at no extra cost under Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
What does Qonto charge for currency conversion?+
Currency conversions cost 2%. This matters for business travel or purchases made outside the account's working currency. Qonto supports multi-currency features, but the conversion charge remains 2%.
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