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PRODUCT
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Crypto cards

Bitpanda Visa Card

Visa debit in the Bitpanda ecosystem: custodial in the euro area, 1% saveback exclusively in crypto, EUR 0 card issuance and no documented saveback cap.

VisaCustodialEuro area

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Manufacturer's website
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Status: 07.09.2026

Compare

Bitpanda Visa Card ↔ Trade Republic CardIn comparison

At a glance

Net
Visa
Card type
Debit
Custody
Custodial

program

Card features

Bitpanda Visa Card

Visa

NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter.
Visa
Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line.
Debit
CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account.
Custodial
DE / AT / CHGermany, Austria and Switzerland: Documented edition in DE, AT or CH. Unknown policy is not a filter option.
Euro area
Apple/Google PayApple/Google Pay: Hard Research Line. A help text “2025 is coming” does not count as yes.
✓
FXFX: Provider's surcharge when paying in foreign currency, plus target currency if used. Spread when changing assets is not 0-%-FX. Visa rate = network rate without extra markup.
0% Non-EUR
Withdraw moneyWithdrawing money (ATM): Fees and limits for cash at ATMs. “Unknown” / — is not a free acceptance.
2% / min EUR 2
CapCap: Upper limit or scale of this SKU (month, AI band, flight). No cap in the cell does not mean “unlimited” if the policy is unknown.
no cap
SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work.
1% crypto only
Cash outCashout: In which asset the saveback refund arrives - e.g. E.g. same spend crypto, USDC, BTC, CRO or recurring investment plan. Not automatically Euro/Fiat.
same crypto
Card costsCard Cost: Issue or subscribe to this SKU. Month × 12 = Year. EUR 0 only with an officially free edition - “no subscription” is not a 0. Mandatory lock or hold (CRO, XPL, WPAY) is in the cell with the amount - this is not a sorting price. Tickers lead to CoinMarketCap.
EUR 0
View sources: Card features
  • Bitpanda Visa CardNetwork · Card type · Custody · Germany, Austria and Switzerland · Apple / Google Pay · FX · Withdraw money · Saveback · Card costs

Overview

Editorial assessment

The Bitpanda Visa Card is the one-tier crypto card in the Bitpanda ecosystem: Visa-Debit, custodial and designated for the Euro area. Anyone who already has a Bitpanda account pays against exchange credit - not from a self-custody wallet. Compared to multi-tier programs, the profile remains flat: one column, one saveback set, no token lock, and no documented upgrade path in the same program.

Card issue is at EUR 0. Saveback is 1% and is paid out exclusively in crypto, with no documented cap in the features. According to characteristics, foreign currencies outside EUR run on 0% FX markup. ATM withdrawals cost 2% with at least EUR 2 — relevant if cash is a regular occurrence. Apple Pay and Google Pay are documented. Cashout remains in the reward crypto asset; A recurring investment plan path like with broker cards is not the mechanism here.

Custodial means: Credit is with the provider, not on-device and not in a separate wallet signature per tap. This simplifies everyday life for exchange users, but shifts custody and counterparty risk to the platform setup. Without a level matrix, there is no need for CRO or VIP logic - instead, output, rate and cap can be read in one line.

In Direct comparison Bitpanda Visa Card vs Trade Republic Card Saveback, FX and custody of the entry levels are in direct comparison - without ranking.

If you are looking for four levels with CRO lock and staggered saveback, this is closer to home Crypto.com Prepaid Card. Net, FX and Saveback are in the level table - at Bitpanda it is effectively a column without hold or membership mechanics.

Compare alternatives

02

Pros

  • Card issue EUR 0
  • Saveback 1% only crypto without cap
  • FX: 0% Non-EUR
  • Apple Pay / Google Pay

Cons

  • Custodial — credit with the provider, not in your own wallet
  • Withdraw money: 2% / min EUR 2
  • Only one level — no upgrade path in the program
03

Suitable for whom?

  • When documented issue counts without ticket price (EUR 0).
  • If saveback is important to you (1% crypto only).
  • Recorded regional scope: the euro area. Individual residence eligibility and spending abroad require separate checks.
  • If you are looking for low FX markup (0% Non-EUR).

Who is it not for?

  • If you want to hold keys yourself - custody is custodial.

Guides

Sources & notes

Review details3 Sources · Methodology

You can also find the sources for individual information directly in the respective characteristics area.

  1. Bitpanda Visa CardBitpanda · retrieved 2026-09-07
  2. Bitpanda Card — cashback applicabilityBitpanda · retrieved 2026-08-15
  3. Bitpanda Card — benefitsBitpanda · retrieved 2026-08-15

For the complete methodology