Bitpanda Card vs Krak Card
Crypto native
Crypto native
Verdict
- Krak Card scores higher overall (7.3 vs 6.8 out of 10).
- Bitpanda Card is clearly stronger on: Custody & security.
- Krak Card is clearly stronger on: Availability, Limits & ATM, Transparency.
- For 1,500 EUR/month of spend, Bitpanda Card comes out about 156 EUR a year ahead on base-tier terms.
Bitpanda Card is a good fit for
- Frequent travellers
Stronger on: Custody & security
Krak Card is a good fit for
- Frequent travellers
Stronger on: Availability, Limits & ATM, 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 | Krak Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 21 | 21 |
| Availability | 70 | 93 |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | 100 |
| Transparency | 86 | 100 |
| Best for Cashback | 5.2 | 5.6 |
| Best for Travel | 7.9 | 8.8 |
| Best for DeFi Users | 6.2 | 5.9 |
| Best for High Spenders | 5.5 | 6.0 |
| Best for Low Fees | 9.2 | 10.0 |
| Best for Beginners | 7.5 | 8.0 |
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
Debit cardShow source
Network
VisaShow source
MastercardConditions apply: tap or hover for detailsShow source
UK and EEA; the US card is a Visa
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)
CustodialConditions apply: tap or hover for detailsShow source
Card spends the Krak account balance (e-money and crypto held by Kraken)
Card issuer / program manager
Transact Payments Malta LimitedShow source
Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source
Tiers / plans
Starter · Lite · Pro · Elite · MaxConditions apply: tap or hover for detailsShow source
Cashback tier by 30-day average assets held
Fees
Annual fee
FreeShow source
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
FreeConditions apply: tap or hover for detailsShow source
Plastic card; replacement €4.99
Virtual card fee
FreeShow source
Replacement fee
€5.90Show source
€4.99Conditions apply: tap or hover for detailsShow source
Plastic card; metal card replacement €60
FX fee
0%Conditions apply: tap or hover for detailsShow source
No Bitpanda fee; Visa's own exchange-rate mark-up applies
0%Conditions apply: tap or hover for detailsShow source
EEA/UK: Mastercard rate without markup; a variable spread applies when spending crypto. US card: 1%
ATM fee
2% (min. €2)Conditions apply: tap or hover for detailsShow source
Plus local ATM operator fees
FreeConditions apply: tap or hover for detailsShow source
No Krak fee; third-party ATM fees may apply
Other fees & markups
Visa FX mark-up applies on non-EUR transactionsShow source
Variable spread when spending crypto · AutoEarn fee: 30% of yield earnedShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
On payments funded with crypto
0%Conditions apply: tap or hover for detailsShow source
Starter tier: under €200 average assets; 0.5% from €200
Max cashback
1%Show source
2%Conditions apply: tap or hover for detailsShow source
Max tier: 30-day average assets of at least €/£50,000; up to 4% boosted on travel via Krak Concierge
Cashback paid in
BitcoinShow source
EUR, GBP or BTCShow 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
Or bitcoin
Interest on balance
3.6%Conditions apply: tap or hover for detailsShow source
Up to; on eligible balances, variable
Cashback conditions
Purchase must be funded with a crypto asset as the selected payment assetShow source
Rate set by the 30-day average assets held across Krak, Kraken and Kraken Pro: 0.5% from €200, 1% from €1,000, 1.5% from €10,000, 2% from €50,000 · Metal card free from €/£50,000 average assetsShow source
Staking / holding required for top rewards
NoShow source
YesConditions apply: tap or hover for detailsShow source
Holding assets (not staking) sets the cashback tier
Staking asset
Any assets held at Krak, Kraken and Kraken ProShow source
Capital required for top rewards
€50,000Conditions apply: tap or hover for detailsShow source
30-day average for the 2% tier
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
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
European Union, United KingdomConditions apply: tap or hover for detailsShow source
Residents of the UK and the EU; a separate US card exists
Account / spend currencies
EURShow source
600+ currencies and assetsShow source
Features
Apple Pay
YesShow source
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
Krak Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value0 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers