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Bitpanda Card

Updated: Sep 16, 2026

The Bitpanda Card is a Visa crypto asset debit card offered by Bitpanda to eligible eurozone residents. Users can select cryptocurrencies, precious metals, or a euro balance in their Bitpanda account as the primary payment asset. At the time of purchase, the system automatically converts the corresponding asset into euros for settlement. The product offers both physical and virtual cards for online shopping, in-store purchases, subscription payments, mobile wallets, and ATM withdrawals. Eligible purchases paid with standard cryptocurrencies receive 1% cryptocurrency cashback.
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Card network
Product type
Crypto debit card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDTUSDCBTCETHBNBSOLXRPADADOGETRXAVAXDOTLINKMATICATOMUNIEUR
Last updated
Sep 16, 2026

Official and company information

Issuer identity and company credentials

Bitpanda GmbH is a fintech and crypto asset service company registered in Vienna, Austria, responsible for the Bitpanda platform, digital asset trading, card application entry, and in-app management. It holds a MiCAR crypto asset service license granted by the Austrian Financial Market Authority. The Bitpanda Card is issued by Transact Payments Malta Limited under a license from Visa Europe Limited; this entity is registered in Malta and regulated by the Malta Financial Services Authority, with registration number C 91879, and is the actual issuer and card account service provider.
Visit website Application page
Company / issuer
Bitpanda
Legal name
Bitpanda
Registered region
Austria (AT)
Headquarters
Vienna, Austria
Company type
Crypto exchange
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Bitpanda Card connects directly to the user's Bitpanda investment account and does not require funds to be loaded into a separate card balance in advance. Users can set a primary payment asset and a fallback payment asset in the app. At the time of payment, the system automatically sells the selected asset and converts it into euros, then completes the Visa transaction from the EUR balance. If the primary asset is insufficient, the fallback asset can cover the entire payment, but balances from two wallets are not combined. The card is available as a physical card and up to three virtual cards. Users can view transactions, freeze cards, manage payment assets, and receive instant notifications in the app. Paying with cryptocurrency triggers an asset sale and the corresponding transaction fees and may also constitute a local taxable event. Refunds are always returned to the Bitpanda EUR wallet and are not restored to the original payment asset.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Bitpanda Card
Card formVirtual + physical card
Fees
Monthly fee
0 EUR
No monthly card fee
Card issuance fee
Free
First card free to apply
ATM fee
2 EUR + 2%
Minimum 2 EUR, ATM operators may charge additional fees
Foreign exchange fee
0
Visa exchange-rate markup still applies
Top-up fee—
Failed transaction fee—
Rewards
Cashback—
Crypto cashback
1%
Issued in the crypto asset used
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit
10,000 EUR
Calculated based on daily cumulative spending
Monthly spending limit—
ATM withdrawal limit
500 EUR
Daily limit cannot be increased
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

20
NetherlandsNLItalyITSpainESGermanyDEBelgiumBEFinlandFIAustriaATGreeceGRBulgariaBGIrelandIEEstoniaEELatviaLVCroatiaHRLithuaniaLTPortugalPTFranceFRSloveniaSISlovakiaSKLuxembourgLUMaltaMT
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

228
LaosLASouth Georgia & South Sandwich IslandsGSNauruNRMoldovaMDSurinameSRBruneiBNTrinidad & TobagoTTTurkmenistanTMNorth MacedoniaMKSão Tomé & PríncipeSTChileCLTürkiyeTRKazakhstanKZÅland IslandsAXUnited Arab EmiratesAEHungaryHUTongaTOUnited StatesUSGuyanaGYChadTDTokelauTKSwedenSEGuadeloupeGPCocos (Keeling) IslandsCCHeard & McDonald IslandsHMCentral African RepublicCFMauritaniaMREritreaERUkraineUADominicaDMMoroccoMASint MaartenSXNiueNUCook IslandsCKMayotteYTAnguillaAITajikistanTJEgyptEGNorwayNOSyriaSYMontserratMSAntigua & BarbudaAGSenegalSNSouth KoreaKRFijiFJDominican RepublicDONicaraguaNISvalbard & Jan MayenSJPhilippinesPHFrench PolynesiaPFKuwaitKWMontenegroMEUzbekistanUZNew ZealandNZComorosKMCaribbean NetherlandsBQAustraliaAUCuraçaoCWIraqIQUgandaUGLiechtensteinLIKenyaKECayman IslandsKYMalawiMWBurkina FasoBFSolomon IslandsSBSt. Vincent & GrenadinesVCSudanSDJerseyJEBarbadosBBCôte d’IvoireCICape VerdeCVDjiboutiDJNigerNECambodiaKHBermudaBMAlgeriaDZGhanaGHSierra LeoneSLNamibiaNAAmerican SamoaASU.S. Virgin IslandsVILiberiaLRMonacoMCIranIRMyanmar (Burma)MMPuerto RicoPRSaudi ArabiaSAIsle of ManIMCongo - KinshasaCDPapua New GuineaPGKyrgyzstanKGBouvet IslandBVCubaCUJordanJOUruguayUYIcelandISSamoaWSMongoliaMNSwitzerlandCHTanzaniaTZBurundiBIRwandaRWLebanonLBGabonGABeninBJZambiaZMPalauPWRéunionREFalkland Islands (Islas Malvinas)FKSomaliaSOEswatiniSZCosta RicaCRMartiniqueMQTunisiaTNBhutanBTBoliviaBOMexicoMXBahamasBSBritish Virgin IslandsVGBelizeBZMarshall IslandsMHVenezuelaVECzechiaCZTimor-LesteTLSan MarinoSMHaitiHTArubaAWBahrainBHFaroe IslandsFOMadagascarMGLibyaLYArgentinaARMicronesiaFMPolandPLAntarcticaAQAngolaAOCameroonCMSouth AfricaZAMaliMLWallis & FutunaWFSingaporeSGU.S. Outlying IslandsUMQatarQAAfghanistanAFFrench GuianaGFTurks & Caicos IslandsTCYemenYESt. Pierre & MiquelonPMNorthern Mariana IslandsMPEquatorial GuineaGQEl SalvadorSVPanamaPAMauritiusMULesothoLSWestern SaharaEHZimbabweZWCanadaCAGuineaGNAlbaniaALAzerbaijanAZParaguayPYChinaCNTaiwanTWPeruPECyprusCYSri LankaLKGeorgiaGETogoTGSt. HelenaSHEcuadorECChristmas IslandCXIndiaINThailandTHGuinea-BissauGWDenmarkDKIsraelILGibraltarGISt. BarthélemyBLBritish Indian Ocean TerritoryIONew CaledoniaNCOmanOMNorth KoreaKPBangladeshBDAndorraADPitcairn IslandsPNPakistanPKSt. LuciaLCKiribatiKIJapanJPFrench Southern TerritoriesTFMaldivesMVSt. MartinMFGuernseyGGUnited KingdomGBVietnamVNJamaicaJMCongo - BrazzavilleCGMalaysiaMYGrenadaGDTuvaluTVBrazilBRVatican CityVAIndonesiaIDColombiaCOSt. Kitts & NevisKNGuatemalaGTGambiaGMEthiopiaETBotswanaBWGreenlandGLSouth SudanSSMozambiqueMZGuamGUSerbiaRSNepalNPSeychellesSCHong KongHKBosnia & HerzegovinaBANigeriaNGBelarusBYHondurasHNNorfolk IslandNFVanuatuVUArmeniaAMRomaniaROMacaoMORussiaRU
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. residents cannot obtain the Bitpanda Card because issuance is limited to residents of euro-area countries, but a card issued to an eligible European resident can be used in the United States.
2. United Kingdom：Cannot apply，Can use，UK residents are outside the euro-area issuance requirement, but an eligible Bitpanda Card issued elsewhere can still be used in the United Kingdom.
3. Canada：Cannot apply，Can use，Canadian residents cannot apply because Canada is outside the euro-area issuance region, while an eligible card issued to a supported resident can be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents are outside Bitpanda Card’s euro-area eligibility, but a card issued to an eligible resident can still be used in Australia.
5. South Africa：Cannot apply，Can use，South African residents cannot obtain the card because issuance requires residence in a euro-area country, while an eligible card issued elsewhere can be used locally.
6. New Zealand：Cannot apply，Can use，New Zealand residents are outside the current euro-area issuance region, but an eligible Bitpanda Card can still be used in New Zealand.
7. Ireland：Can apply，Can use，Ireland is in the euro area, so residents with a verified Bitpanda account can order the card after satisfying the required identity and residency checks.

Updated: Sep 16, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Passport / EEA ID card / EEA driver's license / EEA or Swiss residence permit

Review time / regional limits

Automatic verification usually takes minutes; failures or abnormal documents are transferred to manual compliance review.

KYC provider

Sumsub

Updated

Aug 2, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported10
Not supported2
UpdatedAug 2, 2026

Wallet payments

Alipay

Not supported

Aug 2, 2026

Wallet payments

Apple Pay

Supported

Aug 2, 2026

Cash services

ATM withdrawal

Supported

Aug 2, 2026

AI tools

ChatGPT

Supported

Aug 2, 2026

AI tools

Claude

Supported

Aug 2, 2026

Wallet payments

Google Pay

Supported

Aug 2, 2026

AI tools

Midjourney

Supported

Aug 2, 2026

In-person payments

Offline POS

Supported

Aug 2, 2026

Online shopping

Online shopping

Supported

Aug 2, 2026

Wallet payments

PayPal

Supported

Aug 2, 2026

Subscriptions

Subscription payment

Supported

Aug 2, 2026

Wallet payments

WeChat Pay

Not supported

Aug 2, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
rabee younesgoogle_play★ 1 / 5

Bitpanda: Buy Crypto & Stocks Google Play review - 1 star

the worst thing everrrr,
Official reply
Hello, can you explain your feedback a little more so we can better understand? We are always trying to improve our services to enhance our users experience. Team Bitpanda (Hank)
View original
Emingoogle_play★ 1 / 5

Bitpanda: Buy Crypto & Stocks Google Play review - 1 star

doesnt work anymore. not letting me log in on the app fix this pls
Official reply
Hello Emin, We are sorry to hear that you are having problems logging in. Please submit a request via our contact form: https://support.bitpanda.com/hc/en-us/requests/new We're happy to help you! Best regards, Francesca Team Bitpanda
View original
FckAusweis2app_store★ 1 / 5

1/5

Halten unnötig das Geld zurück, wenn man flexibel sein will lieber Phantom oder ähnliche.
View original
Etienne82app_store★ 4 / 5

Bin zufrieden, nur ein haken…

Die Bitpanda App ist eine Klasse trading App. Ich würde mir nur noch wünschen das ich sie auch auf dem iPad nutzen kann (-1*).
View original
Timothy und die anderenapp_store★ 5 / 5

Super App

Sehr leicht zu bedienen
View original
Darth Cottonapp_store★ 5 / 5

Der nette Bitpanda

Danke Bitpanda, dass Du der Welt hilfst!
View original
ALEXANDER SKARSGÅRDgoogle_play★ 5 / 5

Bitpanda: Buy Crypto & Stocks Google Play review - 5 star

Very nice App
View original
Stan_Marchapp_store★ 1 / 5

Geld weg, Finger weg!

Geld weg — und der Support antwortet nicht, obwohl es scheinbar absolut niemandem in diesem Unternehmen wichtig ist. Seit über einer Woche keine Rückmeldung. Tickets werden konsequent ignoriert, man muss dem Support ständig hinterherschreiben, der einen nur vertröstet — und dann ist so viel Zeit vergangen, dass der Support angeblich nicht mehr helfen kann, weil „interne Deadlines" verstrichen seien, von denen ich weder wusste noch jemals informiert wurde. Zudem wurde die Plattform offenbar nicht dazu verpflichtet, diese internen Deadlines einzuhalten. Das ist inakzeptabel. Ich bestehe darauf, dass mein Ticket umgehend gelöst wird.
View original
Hooman Afshargoogle_play★ 1 / 5

Bitpanda: Buy Crypto & Stocks Google Play review - 1 star

Suddenly and for no reason my account was INACTIVATED! I sent several tickets to support, but no one answered! Customer service is zero! You can't do anything and you can't contact them to solve your problem. This is not the way a broker (if they want to be reliable) should act. Not recommended at all
Official reply
Hello, we are sorry to hear that. Can you please share your ticket ID with us so we can confirm and take a look into your situation? You can find it at the header of the E-Mail from us. Our team is always happy to help our users. Team Bitpanda (Hank)
View original
Dimitr88app_store★ 1 / 5

App richtige abzocke

6700 € Investiert 3500 Euro zu sich behalten Und bei Auszahlung habe ich 2 Monate gewartet bis ich 3300 Euro auszahlen kann würde nicht empfehlen hier zu handeln volle abzocke 😡😡😡
View original

Risk factors

Updated: Jul 20, 2026

No risk factors are available

Compare Bitpanda Card

Frequently asked questions

Answers drawn from the published record on this page.

Does Bitpanda Card require KYC?

Our record lists the Bitpanda Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Bitpanda Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Bitpanda Card with?

Our record lists Bitpanda Card support for: USDT, USDC, BTC, ETH, BNB, SOL, XRP, and ADA (17 in total).

Is Bitpanda Card a virtual or a physical card?

Bitpanda Card is offered as: Virtual + physical card.

Where is Bitpanda Card available?

Our record lists 20 countries or regions as available and 228 as restricted. Country-by-country status is in the regions section of this page.

Who issues Bitpanda Card?

Bitpanda Card is operated by Bitpanda on the Visa network.