Explore the Bitpanda euro-area physical Visa card: crypto, metals and EUR spending, conversion and card fees, reward conditions and eligible countries.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Foreign-merchant transactions 1%; asset conversion may add fees
Non-US holders: local stablecoin conversion free; 0.5% when the stablecoin matches neither holder nor merchant currency (Argentina USD exception); other crypto such as wETH 0.875%. Mastercard exchange rates and gas also apply.
Non-VIP 2%, capped at €50/month; VIP up to 10%/€1,000
Standard schedule effective 2026-09-01: VIP1 4%/€300, VIP2 4.5%/€450, VIP3 5%/€1,000, VIP4+ 10%/€1,000. USDG-funded purchases only, not USDC; paid in USDG usually within 72 hours of settlement. Cash, finance, insurance, education, government and other MCC exclusions apply; refunds reverse rewards. Minimum reward 0.01 EUR and 0.01 USDG after conversion.
Standard purchase fee 1%; no conversion fee or additional FX markup
Visa FX rates apply; small/failed-transaction fees are separate. These are regular rates. Qualifying campaign waivers are separate, not a full-year free-fee promise.
Standard 4%/100 USDT monthly; Premier 6%/300; Elite 10%/800
Requires actual M-Score 350–599, 600–799 or 800+, using month-end tier; trial tiers do not qualify. Eligible settled spending only, excluding disallowed merchants and refunds; paid to Spot on the next month’s 15th. Rewards may change with the program.
