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Card	Issuance	Monthly / annual	Spending feesConversion + FX	RewardsRate / cap / eligibility	EligibilityResidence & identity	Apple Pay	Google Pay	ATM withdrawals	Funding fees	Card format	Payment assets	Spending / ATM limits	Who holds funds	Apply / activate	Refunds / repayment	Usage limits
Bitpanda CardEuro-area physical card App application guide Card 1	First card + delivery free Lost card: €5.90 replacement Bitpanda Card · Euro-area physical card 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.	No monthly fee Trading / conversion / ATM extra Bitpanda Card · Euro-area physical card Monthly / annual No monthly fee Trading, asset conversion and ATM fees are separate.	€0 extra FX fee Visa rate; crypto trading fee extra Bitpanda Card · Euro-area physical card Spending fees €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.	1% on eligible crypto spend Paid in spent crypto; excludes stablecoins, EUR, metals, stocks Bitpanda Card · Euro-area physical card Rewards 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.	Applications open · identity checks required Eligible euro-area residents excluding Cyprus; Bankident verification is not accepted for ordering. Account and card approval required. Bitpanda Card · Euro-area physical card Eligibility Applications open · identity checks required Eligible euro-area residents excluding Cyprus; Bankident verification is not accepted for ordering. Account and card approval required.	Yes Supported Bitpanda Card · Euro-area physical card Apple Pay Apple Pay supported Wallet and device requirements apply.	Yes Supported Bitpanda Card · Euro-area physical card Google Pay Google Pay supported Requires a device compatible with Google Wallet.	Yes： ATM 2% (min €2) · daily €500 Operator fee extra; asset-to-EUR fee separate Bitpanda Card · Euro-area physical card ATM withdrawals 2%, minimum €2 ATM operators may add charges; asset-to-EUR trading fees are separate. Daily withdrawal limit: €500.	Spend balance; trading fee on asset sale EUR balance debited directly; funding costs depend on route Bitpanda Card · Euro-area physical card Funding fees 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.	Physical Visa debit · mobile wallet Bitpanda Card · Euro-area physical card 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.	Platform crypto, metals and EUR Set primary & backup asset; entire tx switches Bitpanda Card · Euro-area physical card Payment assets 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.	Spend €10k/day · ATM €500/day Monthly spend €280k; contactless limit ~€50 Bitpanda Card · Euro-area physical card Spending / ATM 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.	Bitpanda platform custody Auto-sells crypto and settles via EUR e-money Bitpanda Card · Euro-area physical card Who holds funds 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.	Apply via App Profile → Card Delivery up to 20 workdays; activate with CVV Bitpanda Card · Euro-area physical card Apply / activate 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.	Sells to EUR · refunds return EUR Refunds credited as EUR, not repurchased crypto Bitpanda Card · Euro-area physical card Refunds / repayment 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 and trading costs are separate · Main payment asset must not consist exclusively or predominantly of e-money Bitpanda Card · Euro-area physical card Usage limits Rewards and trading costs are separate Stablecoin spending does not earn 1%. Price moves and asset sale costs affect the outcome; refunds do not restore the original crypto quantity. · Main payment asset must not consist exclusively or predominantly of e-money Product terms section 2.2 imposes this restriction; support for EUR payments does not make this an unrestricted fiat-only account.
Krak CardEEA physical App application guide Card 2	First plastic card free Replacement €4.99 Krak Card · EEA physical Issuance Initial plastic card issuance is free Replacement €4.99; excludes the separately qualified metal edition.	No annual / monthly fee Conversion spread / funding extra Krak Card · EEA physical Monthly / annual No annual or monthly fee Asset conversion, some funding routes and ATM-operator fees remain payable.	No extra FX fee; spread applies Variable cross-asset spread Krak Card · EEA physical Spending fees No added FX fee; Mastercard exchange rate applies Cross-asset spending includes a variable spread; settlement uses the card base currency, even when holding merchant currency.	0%–2% by asset tier 30-day avg. €200: 0.5% €50,000: 2%; fiat/BTC Krak Card · EEA physical Rewards 0%–2% by 30-day average assets; 2% requires €50,000 Combined Krak/Kraken/Kraken Pro assets: below €200 earns 0%; 200/1,000/10,000/50,000 unlock 0.5%/1%/1.5%/2%. Settlement-time tier applies, paid in EUR or BTC, currently uncapped monthly. ATM, refunds and purchases below €0.49 excluded. New-user 30-day 2% requires promotional eligibility.	Applications open · identity checks required Qualifying residents of this regional program, subject to account and card approval. Krak Card · EEA physical Eligibility Applications open · identity checks required Qualifying residents of this regional program, subject to account and card approval.	Yes Supported Krak Card · EEA physical Apple Pay Apple Pay supported Requires a supported device/wallet market and successful card enrollment.	Yes Supported Krak Card · EEA physical Google Pay Google Pay supported Requires a supported device/wallet market and successful card enrollment.	Yes： No Krak ATM fee Operator fees & conversion spread extra; monthly €4,800 Krak Card · EEA physical ATM withdrawals No Krak ATM withdrawal fee Operator charges and cross-asset spread may apply. Maximum €300/withdrawal, €900/day and €4,800/month, subject to available balance.	0 crypto deposit fee; local bank transfer free Gas extra; bank-card funding €0.25 + 3.75% Krak Card · EEA physical Funding fees No platform deposit fee for crypto or internal Krak/Kraken transfers Sender network fees remain. Debit-card or Apple/Google Pay funding costs €0.25 + 3.75%; local bank transfer is free, PayPal/SWIFT varies.	Mastercard debit + virtual card Krak Card · EEA physical Card format Plastic Mastercard debit card with a virtual companion No credit borrowing; activate the delivered physical card for in-person and ATM use.	Fund Everyday · choose spend coin Fiat and crypto split; verify network Krak Card · EEA physical Payment assets Fund Everyday first, then choose assets in Spend Order Transfer from Kraken or use Krak Add money. Supported fiat/crypto can fund a purchase together; assets marked Unavailable cannot be spent. Match token and network for on-chain funding.	Spend €12k/day · €12k/month Max €6k/tx; ATM €300/tx, €900/day Krak Card · EEA physical Spending / ATM limits Spend €6,000/purchase, €12,000/day, €12,000/month ATM €300/withdrawal, €900/day, €4,800/month. Card → Card Settings → Limits shows personal and remaining limits.	Spend Krak Everyday balance Platform-managed; not bank deposits, no deposit protection Krak Card · EEA physical Who holds funds Spends platform-held Krak Everyday balances Trading/staked assets must first be transferred in. E-money is not a bank deposit: no UK FSCS or EEA deposit-guarantee protection.	KYC → virtual card → order physical Unified login; activate physical in app Krak Card · EEA physical Apply / activate Verify identity → set up virtual card → order physical → shipping address → activate Krak/Kraken share login; manage cards in Krak Card. After initial setup select a physical card and confirm name/address. This is plastic, not the separately qualified metal edition.	EUR settlement · refunds credited in EUR Refunds not repurchased; freeze in app for disputes Krak Card · EEA physical Refunds / repayment Settles in EUR; refunds return EUR to Everyday Refunds do not automatically repurchase crypto. Merchant preauthorizations may reserve extra funds. Freeze in Card; dispute through transaction details → Get help with this transaction, contacting the merchant first for goods/services issues.	No additional terms listed Krak Card · EEA physical Usage limits No additional terms listed

Monthly spend · USD equivalent Merchant charge currency Estimate period

Issuance, ongoing and purchase fees only; rewards not deducted. Estimate scope

Issuance, ongoing and spending fees, and their subtotal for each card, in USD
Card	Three-fee subtotalUSD · First year	Spending / year	Ongoing / year	Issuance	Assumptions
Bitpanda CardEuro-area physical card	—Spending rate not estimable	—	—	—	Full fee terms Bitpanda Card · Euro-area physical card Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →
Krak CardEEA physical	—Spending rate not estimable	—	—	—	Full fee terms Krak Card · EEA physical Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →

Assumes a funded balance and current regular rates over 12 months. Excludes funding/network costs, ATM, exchange-rate differences, merchant surcharges and special-transaction fees. Temporary offers are not projected for a full year. “—” means unconfirmed or unsuitable for projection, not free. Ranges retain rate differences. No first-year subtotal where the regional issuance price is unclear. This is not a best-price ranking.