savebackcards.com
DEEN

Bitpanda Card vs Peanut Card

Bitpanda Card

Crypto native

6.8
Get the card
Peanut Card

Crypto native

6.8
Get the card

Verdict

  • Bitpanda Card and Peanut Card have the same overall score (6.8/10).
  • Bitpanda Card is clearly stronger on: FX & international, Product features.
  • Peanut Card is clearly stronger on: Custody & security, 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: FX & international, Product features

Peanut Card is a good fit for

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

Stronger on: Custody & security, 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 CashPeanut Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitpanda CardPeanut Card
Fees100100
Cashback & rewards21–
Availability70–
FX & international10060
Product features7056
Custody & security7585
Credit & financing30–
Limits & ATM60–
Transparency86100
Best for Cashback5.2n/a
Best for Travel7.96.4
Best for Self-Custodyn/a7.7
Best for DeFi Users6.27.2
Best for Stablecoinsn/a7.5
Best for High Spenders5.5n/a
Best for Low Fees9.28.3
Best for Beginners7.57.5

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
No data yet

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
Third National (issuer); program managed by Signify Holdings, Inc. (Rain)Show source

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

No data yet

Virtual card fee

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

no issuance fee

Replacement fee

€5.90Show source
No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

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

1%Conditions apply: tap or hover for detailsShow source

up to 1% FX fee (non USD) plus up to 1% cross border fee

Top-up fee

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

Crypto deposits

ATM fee

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

Plus local ATM operator fees

No data yet

Transfer fee

No data yet
$20Conditions apply: tap or hover for detailsShow source

USD wire withdrawal only; ACH free

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
Cross border fee: up to 1%Show 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

Interest (APR)

No data yet
0%Conditions apply: tap or hover for detailsShow source

currently 0%; issuer may introduce interest for new purchases

Liquidation risk

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

collateral liquidated if unpaid within 1 day or collateral value drops below charges

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

No data yet

Account / spend currencies

EURShow source
USDShow source

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
NoConditions apply: tap or hover for detailsShow source

physical card interest can be registered

Virtual card

No data yet
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

No data yet
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

USDCShow source

Blockchains

No data yet
Arbitrum · Ethereum · Base · Optimism · Gnosis · Polygon · BNB Chain · Celo · Katana · Plasma · Tempo · Kaia · Solana · TronConditions apply: tap or hover for detailsShow source

Deposit networks

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

No data yet

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

Marketed in Nigeria by BANEX Microfinance Bank Limited, licensed by the Central Bank of NigeriaConditions apply: tap or hover for detailsShow source

Nigeria-specific clause

Smart-contract risk

No data yet
YesShow source

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

Peanut Card

  • Annual & monthly fees+0 EUR
  • FX costs−36 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 Peanut Card comparisons