Euro-area physical card
Debit · VisaEuro-area residents, excluding Cyprus
CanadaNot available for this residence
See available cardsFees and rewards
- Issuance
-
First card and initial delivery are free
Lost/damaged replacements cost €5.90; expired cards are replaced free. Shipping must match the registered residential address.
- Ongoing fees
-
No monthly fee
Trading, asset conversion and ATM fees are separate.
Sources · 1
www.bitpanda.com - Foreign currency
-
€0 additional non-EUR card transaction fee
Network conversion still applies and crypto trading fees are separate; merchant/ATM dynamic currency conversion may impose its own costs.
- Rewards & conditions
-
1% on eligible crypto-funded purchases
Rewards use the crypto spent. Stablecoins including USDC/USDT, EUR, metals and stocks are excluded, as are transfers, taxes, utilities and other excluded merchant categories. Allow up to 15 business days for crediting.
- Funding / conversion
-
Spend account assets; asset sales incur platform trading fees
Asset-sale quotes include trading fees, shown under Trade summary → Trade Fee; EUR is debited directly. Deposit minimums and coin/network fees are in Payment Methods and Limits; regulatory account limits may be lower.
- ATM withdrawals
-
Yes： Yes 2%, minimum €2
ATM operators may add charges; asset-to-EUR trading fees are separate. Daily withdrawal limit: €500.
Spending and limits
- Card format
-
Physical Visa debit card with mobile-wallet support
This entry covers the physical card only, not the separate virtual-only product. Complete a chip-and-PIN transaction before contactless use.
- Apple Pay
-
Yes Apple Pay supported
Wallet and device requirements apply.
- Google Pay
-
Yes Google Pay supported
Requires a device compatible with Google Wallet.
- Assets and funding
-
Choose a main and fallback payment asset
Supported crypto, metals and EUR balances can fund payments; other fiat cannot be selected directly. If the main asset is insufficient, the whole payment uses the fallback; otherwise it is declined.
- Spending and withdrawal limits
-
€10,000 daily spending; €500 daily ATM withdrawals
Published spending caps: €70,000/week and €280,000/month; minimum payment €1. Contactless is typically €50, varying by country. Check effective account limits in Card settings → Limits and Fees.
Application and account
- Residence / identity
-
Euro-area residents with a verified Bitpanda account
The help page excludes Cyprus and also names Liechtenstein as unsupported. Bankident-verified users cannot order. The app is required; nationality/document eligibility remains subject to account verification, not Visa acceptance.
- Application and activation
-
Apply under Profile → Card in the Bitpanda app
Complete verification, check name and residential address, select payment assets and order. The help page allows up to about 20 business days for delivery; activate the physical card using its CVV.
Sources · 1
support.bitpanda.com - Custody
-
Funds are held in the Bitpanda platform account
The platform sells assets and settles from the EUR e-money wallet. Transact Payments Malta Limited issues the card; this is not direct spending from a personal onchain wallet.
Sources · 1
cdn.bitpanda.com - Refunds, repayment and card controls
-
Assets sell to EUR; refunds return to the EUR wallet
Preauthorisation sells assets and may hold EUR for up to 30 days. Refunds, less applicable fees, return as e-money rather than the original crypto quantity. Related rewards may be reversed; any negative balance must be covered promptly.
Sources · 1
cdn.bitpanda.com
Stablecoin spending does not earn 1%. Price moves and asset sale costs affect the outcome; refunds do not restore the original crypto quantity.
Official notice Official noticeProduct terms section 2.2 imposes this restriction; support for EUR payments does not make this an unrestricted fiat-only account.
Official notice
