Bitpanda Card fees
Available in the EEA, not in the US
- Operator
- Bitpanda
- Issuer
- Transact Payments Malta Limited, authorised and regulated by the Malta Financial Services Authority
- Custody
- Custodial
Published verdict · $1,000 foreign purchasefloor
Read from issuer documents · 7/9 sourced · last read 2026-07-24
Foreign purchase
published components only
Cost to hold
annual fee, as published
Cashback
as published
Yield
none sourced
Read the fee schedule before you apply
Not an affiliate link — FeeFloor earns nothing if you open this card, and its place on our list cannot be bought.
These fees are quoted, not measured. FeeFloor measures exchange execution cost from live order books. A card fee cannot be measured that way — it is published by the issuer. So every figure below links to the issuer’s own document and shows the date we last read it. 7 of 9 fee fields on this card are backed by a primary document.
Published fees
“Not published” means we read the issuer’s documents and the figure was not there — not that it is free.
| Fee | Published |
|---|---|
| Monthly fee | Free Product page states no monthly costs. |
| Annual fee | Free |
| Physical card | Free Described as a free card. |
| Virtual card | Free |
| Replacement | €9.90 Replacement card. |
| Funding / conversion | Not published Each card payment triggers an asset-to-fiat trade that incurs Bitpanda trading fees; the rate is published in the helpdesk fee schedule, which has not been read directly yet. |
| Foreign currency | 0% 0% FX fee for non-Euro transactions, but the product page states Visa mark-up fees apply on top. |
| ATM (domestic) | Not published ATM pricing is published in the helpdesk, not on the product page. Not recorded until read at source. Official document exists but could not be read automatically |
| ATM (international) | Not published Official document exists but could not be read automatically |
What a purchase actually costs
Computed from the fees the issuer publishes, at two purchase sizes. When any component is unpriced — a tiered rate, a “varies”, a fee in another currency — the total is a floor, not the full price. No issuer on our list publishes its conversion spread, so none of these totals include it.
Base-currency purchase
- Funding / conversionNot publishednot published by the issuer
No published figure allows this to be computed — every relevant component is unpriced by the issuer.
Foreign-currency purchase
- Funding / conversionNot publishednot published by the issuer
- Foreign currency0%
- On a $10 purchase
- $0.00 (0.00%)floor
- On a $1,000 purchase
- $0.00 (0.00%)floor
From a third-party listing — not verified against the issuer
Cashback conditions: Stablecoins are not eligible for cashback rewards..
Source: ranked.plus, read 2026-07-27. Where this conflicts with the issuer-sourced table above, the table wins.
What the issuer states
- Operator
- Bitpanda
- Issuing entity
- Transact Payments Malta Limited, authorised and regulated by the Malta Financial Services Authority
- Network
- Visa
- Reward asset
- Not stated
- Chains
- Not stated
- Assets
- Not stated
- KYC
- Full (identity verification required)
- Cashback
- 1%
- Savings APY
- Not stated
- Funding methods
- Crypto
- Cashback: Flat 1% on purchases paid with crypto. Payments funded from fiat, stablecoins, metals or stocks are excluded from the programme.
- Funding: Issuer: "It is connected to your Bitpanda account and enables you to spend funds directly from any of your wallets - be that fiat, crypto, stocks or metals."
Best for
- Travel spending
- Cashback
- Low commitment
Computed from the published record — hover a tag for the fact that earned it. Not editorial picks.
Product page restricts eligibility to residents of euro-area countries — narrower than the EEA. Norway, Sweden and Denmark are outside the euro area.
How Bitpanda Card compares
Of the 43 cards on file, 7 publish a flat foreign-currency rate. Those rates run from 0% to 3%, with a median of 1%. At 0%, Bitpanda Card is the lowest published rate on our list. Cards whose FX pricing varies by tier or region are not in this comparison — a single number cannot represent them honestly.
Bitpanda Card charges no annual fee, which is the norm rather than the exception here: 11 of the 43 cards on file state the card itself is free to hold, and only 7 publish a recurring charge. Free-to-hold is where crypto cards compete least — the differences live in FX, funding and ATM terms.
The issuer publishes no figure for funding / conversion, atm (domestic) and atm (international) — 3 of the nine categories we track. We record that as "not published" rather than assuming zero, because an unpublished fee is a question, not an answer. If you depend on one of these, the only reliable source is the issuer's support channel, in writing.
Every comparison in this section is computed from the 43-card registry at render time — when a record changes, these sentences change with it.
Other Visa cards on file
Sources
- Issuer sitewww.bitpanda.com· Issuer document, read 2026-07-24
- Fee documentsupport.bitpanda.com· Official document exists but could not be read automatically
- Termsnone found· Not verified against an issuer document
FeeFloor is not affiliated with Bitpanda Card and does not verify the issuer’s regulatory status or whether the card is legally available to you. Card terms change without notice — check the issuer’s page before acting on anything here. Report a correction.
Thinking about Bitpanda Card?
Read the fee schedule at the source before you apply — the figures on this page are what the issuer published on the date shown beside each one, and card terms change without notice.
Not an affiliate link · listings can’t be bought
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