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Bitpanda Card vs Winity Card

Bitpanda Card

Crypto native

6.8
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Winity Card

Crypto native

6.7
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Verdict

  • Bitpanda Card scores higher overall (6.8 vs 6.7 out of 10).
  • Bitpanda Card is clearly stronger on: Fees.
  • Winity Card is clearly stronger on: Availability, Limits & ATM, 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

Winity Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Availability, Limits & ATM, 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
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Review & sourcesBitpanda Card vs ether.fi CashWinity Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitpanda CardWinity Card
Fees10068
Cashback & rewards21–
Availability70100
FX & international100–
Product features7070
Custody & security75–
Credit & financing30–
Limits & ATM6073
Transparency86100
Best for Cashback5.2n/a
Best for Travel7.96.6
Best for DeFi Users6.2n/a
Best for High Spenders5.5n/a
Best for Low Fees9.26.9
Best for Beginners7.57.6

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)

No data yet

Card issuer / program manager

Transact Payments Malta LimitedShow source
No data yet

Tiers / plans

No data yet
Exclusive · ExecutiveShow source

Fees

Annual fee

FreeShow source
$20/yearConditions apply: tap or hover for detailsShow source

Exclusive physical card; virtual free

Monthly fee

FreeShow source
No data yet

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

Issuance; shipping charges may apply

Virtual card fee

No data yet
FreeShow source

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

No data yet

Crypto conversion fee

No data yet
5%Conditions apply: tap or hover for detailsShow source

Non-stable assets (ETH, SOL, WCO etc.)

Top-up fee

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

USDT and USDC; other assets converted at 5%

ATM fee

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

Plus local ATM operator fees

$3Conditions apply: tap or hover for detailsShow source

per withdrawal

Small transaction fee

No data yet
$0.10Conditions apply: tap or hover for detailsShow source

transactions below USD 25

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
Chargeback fee USD 100 · PIN change at ATM USD 5Show 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

PointsShow source

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

Minimum balance

No data yet
$25Conditions apply: tap or hover for detailsShow source

required to complete card transactions

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

GlobalConditions apply: tap or hover for detailsShow source

180+ countries

Account / spend currencies

EURShow source
USDShow source

Features

Apple Pay

YesShow source
No data yet

Google Pay

No data yet
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

No data yet
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

USDT · USDC · WCO · ETH · BSC · POL · Tron · SOLConditions apply: tap or hover for detailsShow source

non-stable assets 5% conversion

Blockchains

No data yet
Ethereum · W Chain · Polygon · Tron · Solana · Binance Smart ChainShow source

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

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

Winity Card

  • Annual & monthly fees−18 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs−32 EUR
  • 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 Winity Card comparisons