savebackcards.com
DEEN

Bitpanda Card vs Lumo Card

Bitpanda Card

Crypto native

6.8
Get the card
Lumo Card

Crypto native

6.8
Get the card

Verdict

  • Bitpanda Card and Lumo Card have the same overall score (6.8/10).
  • Bitpanda Card is clearly stronger on: Fees, FX & international.
  • Lumo 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

Stronger on: Fees, FX & international

Lumo Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: Availability, Transparency

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesBitpanda Card vs ether.fi CashLumo Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitpanda CardLumo Card
Fees10077
Cashback & rewards21–
Availability70100
FX & international10030
Product features7070
Custody & security7580
Credit & financing30–
Limits & ATM60–
Transparency86100
Best for Cashback5.2n/a
Best for Travel7.95.7
Best for Self-Custodyn/a7.0
Best for DeFi Users6.26.7
Best for Stablecoinsn/a6.4
Best for High Spenders5.5n/a
Best for Low Fees9.26.5
Best for Beginners7.58.1

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
Debit cardShow source

Network

VisaShow source
VisaConditions apply: tap or hover for detailsShow source

Both Basic (Visa Platinum) and Pro (Visa Corporate)

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)

Self-custodyShow source

Launch date

No data yet
2026-07-01Conditions apply: tap or hover for detailsShow source

Wallet launch date, not necessarily card

Card issuer / program manager

Transact Payments Malta LimitedShow source
Wirex (Lumo Basic card)Show source

Tiers / plans

No data yet
Lumo Basic · Lumo ProShow source

Fees

Annual fee

FreeShow source
No data yet

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Lumo Basic card (base tier); Pro also none

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

First card and initial shipment free; every additional physical card costs EUR 10

No data yet

Virtual card fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Lumo Basic card (base tier); Basic is a virtual Visa Platinum card; Pro card issuance $3.99 one-time

Replacement fee

€5.90Show source
FreeConditions apply: tap or hover for detailsShow source

Lumo Basic card (base tier); Pro: new card, issuance fee applies

FX fee

0%Conditions apply: tap or hover for detailsShow source

No Bitpanda fee; Visa's own exchange-rate mark-up applies

1.75%Conditions apply: tap or hover for detailsShow source

Basic card: 1% plus 0.75% Lumo margin

Crypto conversion fee

No data yet
0.4%Conditions apply: tap or hover for detailsShow source

Wallet swap fee; card spend conversion fee not separately stated

Top-up fee

No data yet
1.5%Conditions apply: tap or hover for detailsShow source

Lumo Basic card (base tier); Pro card 1%

ATM fee

2% (min. €2)Conditions apply: tap or hover for detailsShow source

Plus local ATM operator fees

No data yet

Other fees & markups

Visa FX mark-up applies on non-EUR transactions · Additional physical card EUR 10 · Lost/stolen card reorder EUR 9.90 (per FAQ)Show source
Basic card inactivity fee $4.99 per month after 28 days with no purchase or top-up · Pro card inactivity fee $2.99 per month per card after 28 days without use · Pro card: purchase processing fee $0.25 per purchase, 0.2% Apple Pay/Google Pay fee, 1.1% cross-border fee, 2% refund fee, card verification fee $0.10 US / $0.50 non-US merchant, 1.1% currency conversion fee on non-USD purchases · Minimum top-up $1.00Show source

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

On payments funded with crypto

No data yet

Max cashback

1%Show source
No data yet

Cashback paid in

BitcoinShow source
No data yet

Cashback type

CryptoConditions apply: tap or hover for detailsShow source

Paid in the crypto used for the purchase

No data yet

Cashback conditions

Purchase must be funded with a crypto asset as the selected payment assetShow source
No data yet

Staking / holding required for top rewards

NoShow source
No data yet

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
No data yet

Credit & financing

Credit line

NoShow source
No data yet

Credit type

NoneShow source
No data yet

Spend own balance directly

YesShow source
No data yet

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

Argentina, Australia, Austria, Belgium, Brazil, Bulgaria, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland, Italy, Latvia, Luxembourg, Malta, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, TW, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source

Lumo Basic card, 36 countries; Pro card available in 181 countries (not listed here); availability decided by issuer verification

Account / spend currencies

EURShow source
USD · EURConditions apply: tap or hover for detailsShow source

Lumo Basic card (base tier): USD and EUR balances in card account

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Where supported

Google Pay

No data yet
YesConditions apply: tap or hover for detailsShow source

Where supported

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Lumo Basic card

Virtual card

No data yet
YesConditions apply: tap or hover for detailsShow source

Lumo Basic card (base tier)

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

No data yet
YesConditions apply: tap or hover for detailsShow source

Basic card spends from stablecoin balance (USDC, USDT, EURC)

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

USDC · USDT · EURC · ETHConditions apply: tap or hover for detailsShow source

Lumo Basic card (base tier): supported top-up assets on Base; Pro: USDT, BNB, ETH, BTC, SOL

Blockchains

No data yet
BaseConditions apply: tap or hover for detailsShow source

Lumo Basic card (base tier) top-up chain; Pro card also Tron, BNB Smart Chain, Ethereum, Bitcoin, Solana

Limits

ATM limit

€500Conditions apply: tap or hover for detailsShow source

Per day

No data yet

Spending limit

€10,000Conditions apply: tap or hover for detailsShow source

Per day; weekly EUR 70,000, monthly EUR 280,000

$30,000Conditions apply: tap or hover for detailsShow source

Lumo Basic card (base tier): monthly spend limit, per card; Pro card daily limit $20,000

Security & custody

Regulation / licences

Transact Payments Malta Limited: regulated by the Malta Financial Services Authority as a Financial InstitutionConditions apply: tap or hover for detailsShow source

Card issuer licence

No data yet

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

Lumo Card

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bitpanda Card comparisons

More Lumo Card comparisons