Bitpanda Card vs Payy Card
Crypto native
Crypto native
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- Payy Card is clearly stronger on: 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
Payy Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: 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 | Payy Card |
|---|---|---|
| Fees | 100 | – |
| Cashback & rewards | 21 | – |
| Availability | 70 | – |
| FX & international | 100 | – |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | – |
| Limits & ATM | 60 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 5.2 | n/a |
| Best for Travel | 7.9 | n/a |
| Best for Self-Custody | n/a | 6.8 |
| Best for DeFi Users | 6.2 | n/a |
| Best for High Spenders | 5.5 | n/a |
| Best for Low Fees | 9.2 | n/a |
| Best for Beginners | 7.5 | 6.8 |
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
ActiveConditions apply: tap or hover for detailsShow source
For verified Payy Wallet users
Card type
Debit cardShow source
Stablecoin cardShow source
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)
Self-custodyShow source
Card issuer / program manager
Transact Payments Malta LimitedShow source
Fees
Annual fee
FreeShow source
Monthly fee
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
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
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
Max cashback
1%Show source
Cashback paid in
BitcoinShow source
Cashback type
CryptoConditions apply: tap or hover for detailsShow source
Paid in the crypto used for the purchase
Cashback conditions
Purchase must be funded with a crypto asset as the selected payment assetShow 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
Credit & financing
Credit line
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
Account / spend currencies
EURShow source
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
For eligible users
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
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
Blockchains
Payy NetworkShow source
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
Payy Card
- Annual & monthly feesunknown
- FX costsunknown
- 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