Bitpanda Card vs Mine Card
Crypto native
Crypto native
Verdict
- Bitpanda Card scores higher overall (7.1 vs 6.1 out of 10).
- Bitpanda Card is clearly stronger on: Cashback & rewards.
- Mine Card is clearly stronger on: Custody & security.
- 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: Cashback & rewards
Mine Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Custody & security
Score by criterion
| Criterion | Bitpanda Card | Mine Card |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | 21 | 2 |
| Availability | 70 | – |
| FX & international | 100 | – |
| Product features | 100 | 100 |
| Custody & security | 75 | 95 |
| Credit & financing | 30 | – |
| Limits & ATM | 60 | – |
| Transparency | 86 | 79 |
| Best for Cashback | 5.3 | 3.9 |
| Best for Travel | 8.2 | n/a |
| Best for Self-Custody | n/a | 7.7 |
| Best for DeFi Users | 6.5 | 6.8 |
| Best for Stablecoins | n/a | 6.7 |
| Best for High Spenders | 5.7 | 4.2 |
| Best for Low Fees | 9.2 | 7.6 |
| Best for Beginners | 8.2 | 7.8 |
Product
Product status
ActiveShow source
Product status: Active
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Active*Show source
Product status: Active
Invite-only: sign-up needs a code from an existing member (or the higher no-code price)
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Invite-only: sign-up needs a code from an existing member (or the higher no-code price)
Card type
Debit cardShow source
Card type: Debit card
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Stablecoin card*Show source
Card type: Stablecoin card
Spends from your USDC balance, converted at purchase
Source states (paraphrased): Mine converts from your USDC balance at the moment of purchase, at a rate you can see.
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spends from your USDC balance, converted at purchase
Network
VisaShow source
Network: Visa
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
MastercardShow source
Network: Mastercard
Source states (paraphrased): It’s a Mastercard issued by Unblock Atomo SARL in the EEA.
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Custodial*Show source
Custody model: Custodial
Platform-wide: Bitpanda holds customer crypto assets in custody as trustee (security page, not card-specific)
Source states (paraphrased): we hold them in custody, as a trustee
Source: Security at Bitpanda
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Platform-wide: Bitpanda holds customer crypto assets in custody as trustee (security page, not card-specific)
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Mine never custodies your funds.
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card issuer / program manager
Transact Payments Malta LimitedShow source
Card issuer / program manager: Transact Payments Malta Limited
Source states (paraphrased): This Visa card is issued by Transact Payments Malta Limited pursuant to licence by VISA Europe Limited.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Unblock Atomo SARL (EEA e-money institution, Luxembourg); app operated by EMM Ventures AG, SwitzerlandShow source
Card issuer / program manager: Unblock Atomo SARL (EEA e-money institution, Luxembourg); app operated by EMM Ventures AG, Switzerland
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Basic · Premium*Show source
Tiers / plans: Basic · Premium
Metal and Private announced, no price yet
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal and Private announced, no price yet
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): No card fees, monthly account fees or transaction fees for payments in EUR.
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Monthly fee
FreeShow source
Monthly fee: Free
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Free*Show source
Monthly fee: Free
Basic and Premium are one-off fees, no subscription
Source states (paraphrased): one-off, no subscription
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic and Premium are one-off fees, no subscription
Physical card fee
Free*Show source
Physical card fee: Free
First card and initial shipment free; every additional physical card costs EUR 10
Source states (paraphrased): Initial shipment | Free
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
First card and initial shipment free; every additional physical card costs EUR 10
$124*Show source
Physical card fee: $124
Premium tier (physical + virtual card), one-off; $99 with an invite code
Source states (paraphrased): Premium is $124 one-off, 20% off with a code.
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Premium tier (physical + virtual card), one-off; $99 with an invite code
Virtual card fee
$5*Show source
Virtual card fee: $5
One-off; free with an invite code
Source states (paraphrased): The Virtual card is free with a valid code, otherwise $5 one-off
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
One-off; free with an invite code
Replacement fee
€5.90Show source
Replacement fee: €5.90
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 60%
FX fee
0%*Show source
FX fee: 0%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
Top-up fee
FreeShow source
Top-up fee: Free
Source states (paraphrased): Card top-up fee 0%
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ATM fee
2% (min. €2)*Show source
ATM fee: 2% (min. €2)
Plus local ATM operator fees
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Plus local ATM operator fees
Other fees & markups
Visa FX mark-up applies on non-EUR transactionsShow source
Other fees & markups: Visa FX mark-up applies on non-EUR transactions
Source states (paraphrased): For non Euro transactions (VISA mark-up fees apply)
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
CHF/EUR → USDC conversion: first 500 free (lifetime allowance), afterwards priced in the appShow source
Other fees & markups: CHF/EUR → USDC conversion: first 500 free (lifetime allowance), afterwards priced in the app
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
On payments funded with crypto
Source states (paraphrased): Cashback fixed at 1% of all qualifying transactions, no longer determined by BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
On payments funded with crypto
0%*Show source
Base cashback: 0%
Basic tier has no cashback; Premium 0.5% in USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier has no cashback; Premium 0.5% in USDC
Max cashback
1%Show source
Max cashback: 1%
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
0.5%*Show source
Max cashback: 0.5%
Premium tier; 'boosted cashback' announced for Metal
Source states (paraphrased): Cashback 0.5% USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Premium tier; 'boosted cashback' announced for Metal
Cashback paid in
BitcoinShow source
Cashback paid in: Bitcoin
Source states (paraphrased): A visa card with Bitcoin cashback
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
USDCShow source
Cashback paid in: USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
Crypto*Show source
Cashback type: Crypto
Paid in the crypto used for the purchase
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Paid in the crypto used for the purchase
StablecoinShow source
Cashback type: Stablecoin
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback conditions
Purchase must be funded with a crypto asset as the selected payment assetShow source
Cashback conditions: Purchase must be funded with a crypto asset as the selected payment asset
Source states (paraphrased): Cashback is available for purchases made using crypto.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Staking / holding required for top rewards
NoShow source
Staking / holding required for top rewards: No
Source states (paraphrased): Cashback no longer determined by the customer's BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
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 assets
Source states (paraphrased): Your payments will be excluded from the Cashback programme if fiat (€), Bitpanda Stocks, Metals, stablecoin and other assets other than crypto are your selected payment asset.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Credit type
NoneShow source
Credit type: None
Source states (paraphrased): The Bitpanda Card is a debit card, therefore you cannot create any debt when using it.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): enables you to spend funds directly from any of your wallets
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Availability
Available in
Euro area*Show source
Available in: Euro area
Residents of euro-area countries with a verified account; not for users verified via Bankident
Source states (paraphrased): The card requires a verified account and residence in a country that uses the euro.
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Residents of euro-area countries with a verified account; not for users verified via Bankident
Account / spend currencies
EURShow source
Account / spend currencies: EUR
Source states (paraphrased): The Bitpanda Card is nominated in EUR and all related transactions are processed in EUR.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
CHF · EUR · USDCShow source
Account / spend currencies: CHF · EUR · USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
CHF and EUR IBAN in your own name; incoming money settles as USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
CHF and EUR IBAN in your own name; incoming money settles as USDC
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Pay quickly and safely with Apple Pay
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Apple Pay: Yes
Source states (paraphrased): Apple Pay and Google Pay from day one
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Apple Pay and Google Pay from day one
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card
YesShow source
Physical card: Yes
Source states (paraphrased): Every additional physical card
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Yes*Show source
Physical card: Yes
Premium tier
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Premium tier
Virtual card
YesShow source
Virtual card: Yes
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): You can use it for online payments, to pay for your groceries at the supermarket or to make ATM withdrawals.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spendable assets
All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EUR*Show source
Spendable assets: All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EUR
Bitpanda Crypto Indices excluded; other fiat currencies not supported; page also says 600+ crypto assets
Source states (paraphrased): All cryptocurrencies listed on Bitpanda
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Bitpanda Crypto Indices excluded; other fiat currencies not supported; page also says 600+ crypto assets
USDCShow source
Spendable assets: USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Limits
ATM limit
€500*Show source
ATM limit: €500
Per day
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Per day
Spending limit
€10,000*Show source
Spending limit: €10,000
Per day; weekly EUR 70,000, monthly EUR 280,000
Source states (paraphrased): Daily Expenditure | €10,000
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Per day; weekly EUR 70,000, monthly EUR 280,000
$100,000*Show source
Spending limit: $100,000
Per month, Basic; Premium $1,000,000
Source states (paraphrased): Monthly limit $100,000
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Per month, Basic; Premium $1,000,000
Security & custody
Regulation / licences
Bitpanda Payments GmbH: PSD2 payment service provider licence, E-Money Institution*Show source
Regulation / licences: Bitpanda Payments GmbH: PSD2 payment service provider licence, E-Money Institution
Bitpanda Group platform-level licences (MiFID II, E-Money, PSD II)
Source states (paraphrased): Bitpanda Payments GmbH possesses a payment service provider licence under PSD2, recently becoming an E-Money Institute
Source: Security at Bitpanda
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Bitpanda Group platform-level licences (MiFID II, E-Money, PSD II)
Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, SwitzerlandShow source
Regulation / licences: Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
Mine Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers