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Bitpanda Card vs Bitsa Card

Bitpanda Card

Crypto native

6.8
Get the card
Bitsa Card

Crypto enabled

5.9
Get the card

Verdict

  • Bitpanda Card scores higher overall (6.8 vs 5.9 out of 10).
  • Bitpanda Card is clearly stronger on: Fees, Cashback & rewards, FX & international.
  • Bitsa Card is clearly stronger on: Availability, Limits & ATM, Transparency.
  • For 1,500 EUR/month of spend, Bitpanda Card comes out about 238 EUR a year ahead on base-tier terms.

Bitpanda Card is a good fit for

  • Frequent travellers

Stronger on: Fees, Cashback & rewards, FX & international

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

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitpanda CardBitsa Card
Fees10082
Cashback & rewards210
Availability70100
FX & international10030
Product features7070
Custody & security7575
Credit & financing3030
Limits & ATM6075
Transparency86100
Best for Cashback5.24.0
Best for Travel7.95.6
Best for DeFi Users6.2n/a
Best for High Spenders5.53.6
Best for Low Fees9.27.0
Best for Beginners7.57.6
Best E-Money Cardn/a6.9

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
Prepaid card, E-money 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)

CustodialConditions apply: tap or hover for detailsShow source

Crypto is converted to euros on top-up; the card spends an e-money balance

Card issuer / program manager

Transact Payments Malta LimitedShow source
Pecunia Cards EDE S.L.U. (Pecunpay), Spanish e-money institution; crypto service by BitnovoShow source

Tiers / plans

No data yet
Free · Move · ProShow source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €8.99/year, Pro €69.99/year

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Free plan; Move €0.99/month (€8.99/year), Pro €9.99/month (€69.99/year)

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

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

€20Show source

Virtual card fee

No data yet
€2.50Show 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

1.75%Conditions apply: tap or hover for detailsShow source

Non-euro SEPA-zone currencies; 2% in the rest of the world

Top-up fee

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

External-card top-ups beyond the free ones (Free: 2 in total, Move: 3/month, Pro: 4/month); vouchers 0–6%

ATM fee

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

Plus local ATM operator fees

€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source

Outside the euro area; euro area €2.50 per withdrawal, Spain: the ATM operator's fee is passed on

Transfer fee

No data yet
€1Conditions apply: tap or hover for detailsShow source

SEPA transfer on Free and Move; free on Pro

Other fees & markups

Visa FX mark-up applies on non-EUR transactionsShow source
Voucher top-up fee 0–6% · Transfers to another holder or institution €1.50 · Crypto top-ups limited to €20,000 per dayShow 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

NoneConditions apply: tap or hover for detailsShow source

Card payments earn no cashback; gift cards in the app up to 15%

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
NoShow source

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

EEAConditions apply: tap or hover for detailsShow source

Residents of the EEA

Account / spend currencies

EURShow source
EURShow source

Own IBAN / bank details

No data yet
YesShow source

Features

Apple Pay

YesShow source
YesShow source

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

No data yet

Limits

ATM limit

€500Conditions apply: tap or hover for detailsShow source

Per day

€450Conditions apply: tap or hover for detailsShow source

Per day, withdrawals outside Spain

Spending limit

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

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

€1,500Conditions apply: tap or hover for detailsShow source

Purchase limit on Free; Move €5,000, Pro €15,000

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)

Pecunpay: e-money institution supervised by the Bank of SpainShow 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

Bitsa Card

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−19 EUR
  • Cashback+0 EUR
  • Net annual value-82 EUR

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

More Bitpanda Card comparisons

More Bitsa Card comparisons