Bitpanda Card vs Bitrefill Card
Crypto native
Crypto native
Verdict
- Bitpanda Card scores higher overall (6.8 vs 6.7 out of 10).
- Bitrefill Card is clearly stronger on: Availability, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitpanda Card is a good fit for
- Frequent travellers
Bitrefill Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Availability, Transparency
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bitpanda Card | Bitrefill Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 21 | 24 |
| Availability | 70 | 97 |
| FX & international | 100 | – |
| Product features | 70 | 70 |
| Custody & security | 75 | 70 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 5.2 | 5.3 |
| Best for Travel | 7.9 | 6.4 |
| Best for DeFi Users | 6.2 | 6.0 |
| Best for High Spenders | 5.5 | 4.8 |
| Best for Low Fees | 9.2 | 8.0 |
| Best for Beginners | 7.5 | 8.1 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Prepaid cardConditions apply: tap or hover for detailsShow source
Funded by crypto deposits converted to euros
Network
VisaShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Platform-wide: Bitpanda holds customer crypto assets in custody as trustee (security page, not card-specific)
HybridConditions apply: tap or hover for detailsShow source
Crypto stays in your own wallet until deposited; card balance in euros held by the card partner
Card issuer / program manager
Transact Payments Malta LimitedShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
FreeShow source
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
First card and initial shipment free; every additional physical card costs EUR 10
FreeShow source
Virtual card fee
FreeShow source
Replacement fee
€5.90Show source
FX fee
0%Conditions apply: tap or hover for detailsShow source
No Bitpanda fee; Visa's own exchange-rate mark-up applies
ATM fee
2% (min. €2)Conditions apply: tap or hover for detailsShow source
Plus local ATM operator fees
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
SEPA withdrawal of the card balance to your bank account
Other fees & markups
Visa FX mark-up applies on non-EUR transactionsShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
On payments funded with crypto
1%Conditions apply: tap or hover for detailsShow source
On purchases; plus 1% on crypto deposits; paid as Bitrefill store credit
Max cashback
1%Show source
2%Conditions apply: tap or hover for detailsShow source
1% on crypto deposits plus 1% on purchases
Cashback paid in
BitcoinShow source
EUR store credit on BitrefillShow source
Cashback type
CryptoConditions apply: tap or hover for detailsShow source
Paid in the crypto used for the purchase
FiatConditions apply: tap or hover for detailsShow source
Store credit for gift cards and eSIMs
Cashback conditions
Purchase must be funded with a crypto asset as the selected payment assetShow source
No cap per transaction · Cashback never expires · Free 20 GB eSIM each month with deposits over €500Show source
Staking / holding required for top rewards
NoShow source
Reward exclusions
Payments funded with fiat (EUR) · Payments funded with Bitpanda Stocks · Payments funded with metals · Payments funded with stablecoins · Payments funded with other non-crypto assetsShow source
Deposits to bank accounts · Cash outs · ATM withdrawalsShow source
Credit & financing
Credit line
NoShow source
NoShow source
Credit type
NoneShow source
Spend own balance directly
YesShow source
Availability
Available in
Euro areaConditions apply: tap or hover for detailsShow source
Residents of euro-area countries with a verified account; not for users verified via Bankident
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, IcelandConditions apply: tap or hover for detailsShow source
Not for US or Russian citizens regardless of residency
Account / spend currencies
EURShow source
EURShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spendable assets
All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EURConditions apply: tap or hover for detailsShow source
Bitpanda Crypto Indices excluded; other fiat currencies not supported; page also says 600+ crypto assets
Limits
ATM limit
€500Conditions apply: tap or hover for detailsShow source
Per day
Spending limit
€10,000Conditions apply: tap or hover for detailsShow source
Per day; weekly EUR 70,000, monthly EUR 280,000
Security & custody
Regulation / licences
Bitpanda Payments GmbH: PSD2 payment service provider licence, E-Money InstitutionConditions apply: tap or hover for detailsShow source
Bitpanda Group platform-level licences (MiFID II, E-Money, PSD II)
Annual cost at 1,500 EUR/month
Bitpanda Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+180 EUR
- Net annual value156 EUR
Bitrefill Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers