Bitpanda Card vs CoinZoom Visa Card
Crypto native
Crypto native
Verdict
- Bitpanda Card scores higher overall (6.8 vs 6.3 out of 10).
- Bitpanda Card is clearly stronger on: Fees.
- CoinZoom Visa Card is clearly stronger on: Limits & ATM.
- For 1,500 EUR/month of spend, Bitpanda Card comes out about 66 EUR a year ahead on base-tier terms.
Bitpanda Card is a good fit for
- Frequent travellers
Stronger on: Fees
CoinZoom Visa Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Limits & ATM
★ 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 | CoinZoom Visa Card |
|---|---|---|
| Fees | 100 | 82 |
| Cashback & rewards | 21 | 18 |
| Availability | 70 | – |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | 100 |
| Transparency | 86 | 93 |
| Best for Cashback | 5.2 | 4.8 |
| Best for Travel | 7.9 | 8.1 |
| Best for DeFi Users | 6.2 | 6.0 |
| Best for Stablecoins | n/a | 7.2 |
| Best for High Spenders | 5.5 | 5.6 |
| Best for Low Fees | 9.2 | 9.1 |
| Best for Beginners | 7.5 | 6.9 |
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
Debit 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
Spends assets held in the CoinZoom wallet
Card issuer / program manager
Transact Payments Malta LimitedShow source
Tiers / plans
Non-Prime · Silver · Gold · Diamond · BlackConditions apply: tap or hover for detailsShow source
Black (labelled "Most rewards") is listed right after Diamond (quote kept under ~200 characters). Tiers unlocked by ZOOM holdings; Prime membership starts at 10,000 ZOOM. Per-tier details (reward rates, ZOOM amounts) are not in the page text ("Loading tier data")
Fees
Annual fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
On every tier
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
$5Conditions apply: tap or hover for detailsShow source
Standard shipping for Non-Prime ($12 expedited); free from Silver
Virtual card fee
FreeShow source
Replacement fee
€5.90Show source
FreeConditions apply: tap or hover for detailsShow source
Card replacement listed as free under CoinZoom Visa Card fees
FX fee
0%Conditions apply: tap or hover for detailsShow source
No Bitpanda fee; Visa's own exchange-rate mark-up applies
0%Conditions apply: tap or hover for detailsShow source
Network conversion rates may apply
Crypto conversion fee
1.49%Conditions apply: tap or hover for detailsShow source
Crypto liquidation when spending crypto
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
ACH and RTP free; debit/credit card and Apple/Google Pay deposits 3.99%; wire $12
ATM fee
2% (min. €2)Conditions apply: tap or hover for detailsShow source
Plus local ATM operator fees
FreeConditions apply: tap or hover for detailsShow source
No CoinZoom fee, domestic and international; ATM operators may charge
Other fees & markups
Visa FX mark-up applies on non-EUR transactionsShow source
Virtual card reissuance 1,000 ZOOM · Chargebacks $100 · Card declined (insufficient funds) $0.50Conditions apply: tap or hover for detailsShow source
Listed under CoinZoom Visa Card fees
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
On payments funded with crypto
0.5%Conditions apply: tap or hover for detailsShow source
Non-Prime, no ZOOM required
Max cashback
1%Show source
5%Conditions apply: tap or hover for detailsShow source
Black tier: hold 300,000 ZOOM
Cashback paid in
BitcoinShow source
ZOOMShow source
Cashback type
CryptoConditions apply: tap or hover for detailsShow source
Paid in the crypto used for the purchase
Platform tokenShow source
Cashback conditions
Purchase must be funded with a crypto asset as the selected payment assetShow source
Higher reward tiers (CoinZoom Prime) require holding at least 10,000 ZOOM; higher tiers need larger ZOOM holdings, with no annual resetConditions apply: tap or hover for detailsShow source
Page example: spending $500 a month for a year earns $120 in free crypto on a Gold Card and $300 on a Black card
Staking / holding required for top rewards
NoShow source
YesConditions apply: tap or hover for detailsShow source
Holding ZOOM, no lock-up
Staking asset
ZOOMShow 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
NoShow source
Credit type
NoneShow source
Spend own balance directly
YesShow source
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
USDConditions apply: tap or hover for detailsShow source
Crypto converted to USD at the point of sale
Features
Apple Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
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
Limits
ATM limit
€500Conditions apply: tap or hover for detailsShow source
Per day
$200Conditions apply: tap or hover for detailsShow source
Per day, Non-Prime
Spending limit
€10,000Conditions apply: tap or hover for detailsShow source
Per day; weekly EUR 70,000, monthly EUR 280,000
$200Conditions apply: tap or hover for detailsShow source
Daily POS limit, Non-Prime; Silver $250, Gold $2,500, Diamond $500, Black $250 (as stated on page)
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)
FinCEN MSB · Licensed money transmitter in applicable jurisdictionsConditions apply: tap or hover for detailsShow source
Stated for CoinZoom, Inc. in the page footer
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
CoinZoom Visa Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value90 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers