Bitpanda Card vs ether.fi Cash
Crypto native
Crypto native
Verdict
- ether.fi Cash scores higher overall (8.2 vs 6.8 out of 10).
- Bitpanda Card is clearly stronger on: FX & international.
- ether.fi Cash is clearly stronger on: Cashback & rewards, Availability, Product features, Custody & security, Credit & financing.
- For 1,500 EUR/month of spend, ether.fi Cash comes out about 306 EUR a year ahead on base-tier terms.
Bitpanda Card is a good fit for
- Frequent travellers
Stronger on: FX & international
ether.fi Cash is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Everyday spenders who want cashback
Stronger on: Cashback & rewards, Availability, Product features, Custody & security, Credit & financing
Score by criterion
| Criterion | Bitpanda Card | ether.fi Cash |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 21 | 69 |
| Availability | 70 | 100 |
| FX & international | 100 | 40 |
| Product features | 70 | 100 |
| Custody & security | 75 | 85 |
| Credit & financing | 30 | 75 |
| Limits & ATM | 60 | 60 |
| Transparency | 86 | 79 |
| Best for Cashback | 5.2 | 7.8 |
| Best for Travel | 7.9 | 6.9 |
| Best for Self-Custody | n/a | 8.2 |
| Best for DeFi Users | 6.2 | 8.2 |
| Best for Stablecoins | n/a | 7.8 |
| Best for High Spenders | 5.5 | 7.1 |
| Best for Low Fees | 9.2 | 7.6 |
| Best for Beginners | 7.5 | 9.1 |
| Best Crypto Credit Card | n/a | 7.9 |
Product
Product status
ActiveShow source
Product status: Active
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
ActiveShow source
Product status: Active
Source states (paraphrased): Help center describes current personal and corporate Cash cards.
Source: What are the benefits of a personal Cash credit card?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit cardShow source
Card type: Debit card
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Marketed as a credit card; Direct Pay mode spends your own balance
Source states (paraphrased): Help center: Borrow Mode borrows against your assets, Direct Pay Mode spends them.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Marketed as a credit card; Direct Pay mode spends your own balance
Network
VisaShow source
Network: Visa
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
VisaShow source
Network: Visa
Source states (paraphrased): The card program is issued by the Issuer under license from Visa.
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Custody model
Custodial*Show source
Custody model: Custodial
Platform-wide: Bitpanda holds customer crypto assets in custody as trustee (security page, not card-specific)
Source states (paraphrased): we hold them in custody, as a trustee
Source: Security at Bitpanda
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Platform-wide: Bitpanda holds customer crypto assets in custody as trustee (security page, not card-specific)
Self-custody*Show source
Custody model: Self-custody
Account is non-custodial; the card itself is issued by a third-party issuer under separate terms
Source states (paraphrased): Personal account page: fully non-custodial, you retain full ownership and control of your funds; card issued subject to separate issuer terms.
Source: Personal Account
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Account is non-custodial; the card itself is issued by a third-party issuer under separate terms
Card issuer / program manager
Transact Payments Malta LimitedShow source
Card issuer / program manager: Transact Payments Malta Limited
Source states (paraphrased): This Visa card is issued by Transact Payments Malta Limited pursuant to licence by VISA Europe Limited.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.*Show source
Card issuer / program manager: Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.
International cardholder agreement (Ltd.); US persons are covered by separate US agreements
Source states (paraphrased): The Ether.Fi Card is issued by Third National pursuant to a license from Visa.
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
International cardholder agreement (Ltd.); US persons are covered by separate US agreements
Tiers / plans
Core · Luxe · Pinnacle · VIPShow source
Tiers / plans: Core · Luxe · Pinnacle · VIP
Source states (paraphrased): Membership level benefits table lists Core, Luxe, Pinnacle and VIP.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): No card fees, monthly account fees or transaction fees for payments in EUR.
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Free*Show source
Annual fee: Free
Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking
Source states (paraphrased): Core — Free for everyone
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking
Monthly fee
FreeShow source
Monthly fee: Free
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Free*Show source
Monthly fee: Free
Core membership
Source states (paraphrased): Core — Free for everyone
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core membership
Physical card fee
Free*Show source
Physical card fee: Free
First card and initial shipment free; every additional physical card costs EUR 10
Source states (paraphrased): Initial shipment | Free
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
First card and initial shipment free; every additional physical card costs EUR 10
$60*Show source
Physical card fee: $60
Core, including shipping; Luxe and higher get 1 free
Source states (paraphrased): Physical card: $60, including shipping
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core, including shipping; Luxe and higher get 1 free
Virtual card fee
Free*Show source
Virtual card fee: Free
First virtual card free on Core; $10 in some regions and for further cards
Source states (paraphrased): Virtual cards: 1 free
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
First virtual card free on Core; $10 in some regions and for further cards
Replacement fee
€5.90Show source
Replacement fee: €5.90
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 60%
FX fee
0%*Show source
FX fee: 0%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
1.5%*Show source
FX fee: 1.5%
Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)
Source states (paraphrased): Cardholder agreement: 1% base plus up to 50 bps for Core and up to 25 bps for Luxe.
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)
ATM fee
2% (min. €2)*Show source
ATM fee: 2% (min. €2)
Plus local ATM operator fees
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Plus local ATM operator fees
2%Show source
ATM fee: 2%
Source states (paraphrased): Campaign page lists a 2% ATM fee for all tiers.
Source: The DeFi-Native Crypto Credit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Other fees & markups
Visa FX mark-up applies on non-EUR transactionsShow source
Other fees & markups: Visa FX mark-up applies on non-EUR transactions
Source states (paraphrased): For non Euro transactions (VISA mark-up fees apply)
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
On payments funded with crypto
Source states (paraphrased): Cashback fixed at 1% of all qualifying transactions, no longer determined by BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
On payments funded with crypto
3%*Show source
Base cashback: 3%
Core membership, on the first $2,000 of card spend per month
Source states (paraphrased): Core: 3% on the first $2,000 of monthly card spend.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Core membership, on the first $2,000 of card spend per month
Max cashback
1%Show source
Max cashback: 1%
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
4%*Show source
Max cashback: 4%
VIP membership, on the first $50,000 of card spend per month
Source states (paraphrased): VIP: 4% on the first $50,000 of monthly card spend.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
VIP membership, on the first $50,000 of card spend per month
Cashback paid in
BitcoinShow source
Cashback paid in: Bitcoin
Source states (paraphrased): A visa card with Bitcoin cashback
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
ETHFIShow source
Cashback paid in: ETHFI
Source states (paraphrased): Cashback is converted to ETHFI at the current price.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Cashback type
Crypto*Show source
Cashback type: Crypto
Paid in the crypto used for the purchase
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Paid in the crypto used for the purchase
Platform tokenShow source
Cashback type: Platform token
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Interest on balance
5.35%*Show source
Interest on balance: 5.35%
USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk
Source states (paraphrased): USD Earn 5.35% APY · EUR Earn 5.29% APY · APY is variable and not guaranteed.
Source: https://www.ether.fi/earn
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk
Cashback-eligible spend cap
$2,000/month*Show source
Cashback-eligible spend cap: $2,000/month
Core; Luxe $10,000, Pinnacle/VIP $50,000 per month
Source states (paraphrased): Monthly spend caps per tier: $2,000 / $10,000 / $50,000 / $50,000.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Core; Luxe $10,000, Pinnacle/VIP $50,000 per month
Cashback conditions
Purchase must be funded with a crypto asset as the selected payment assetShow source
Cashback conditions: Purchase must be funded with a crypto asset as the selected payment asset
Source states (paraphrased): Cashback is available for purchases made using crypto.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every monthShow source
Cashback conditions: Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every month
Source states (paraphrased): Cashback rates are applied progressively based on your total spend each calendar month.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Staking / holding required for top rewards
NoShow source
Staking / holding required for top rewards: No
Source states (paraphrased): Cashback no longer determined by the customer's BEST VIP level.
Source: Bitpanda Card Product Terms v2.0.0 (1 April 2025)
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Reward expiry / vesting
Converted to ETHFI at settlement, locked for 7 days, then must be claimedShow source
Reward expiry / vesting: Converted to ETHFI at settlement, locked for 7 days, then must be claimed
Source states (paraphrased): Cashback enters a 7-day lock period and must be claimed to reach your balance.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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
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 assets
Source states (paraphrased): Your payments will be excluded from the Cashback programme if fiat (€), Bitpanda Stocks, Metals, stablecoin and other assets other than crypto are your selected payment asset.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)Show source
Reward exclusions: ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)
Source states (paraphrased): The following transactions are not Qualifying Transactions and do not earn crypto cashback
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Yes*Show source
Credit line: Yes
Borrow Mode
Source states (paraphrased): Borrow Mode purchases borrow against your assets instead of selling them.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Borrow Mode
Credit type
NoneShow source
Credit type: None
Source states (paraphrased): The Bitpanda Card is a debit card, therefore you cannot create any debt when using it.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): Spending in Borrow Mode is capped at the available LTV of deposited collateral.
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Collateral assets
USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx*Show source
Collateral assets: USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx
Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral
Source states (paraphrased): Supported assets and their Product LTV
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral
Max loan-to-value
81%*Show source
Max loan-to-value: 81%
Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins
Source states (paraphrased): USDC | 81%
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins
Interest notes
Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuouslyShow source
Interest notes: Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuously
Source states (paraphrased): variable APY, set by the underlying lending market for each asset (borrowing runs through Aave v4 markets) - not a fixed rate
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Grace period
None; interest accrues immediately after borrowingShow source
Grace period: None; interest accrues immediately after borrowing
Source states (paraphrased): There is no grace period
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Repayment
Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi AccountShow source
Repayment: Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi Account
Source states (paraphrased): you may pay all or any part of your outstanding Account balance, without penalty
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Liquidation risk
YesShow source
Liquidation risk: Yes
Source states (paraphrased): Help center lists per-asset liquidation thresholds.
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): enables you to spend funds directly from any of your wallets
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): Direct Pay Mode spends your balance.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Spend by borrowing against collateral
YesShow source
Spend by borrowing against collateral: Yes
Source states (paraphrased): Borrow Mode borrows against your collateral.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Availability
Available in
Euro area*Show source
Available in: Euro area
Residents of euro-area countries with a verified account; not for users verified via Bankident
Source states (paraphrased): The card requires a verified account and residence in a country that uses the euro.
Source: What is the Bitpanda Card and what are its benefits?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Residents of euro-area countries with a verified account; not for users verified via Bankident
AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States*Show source
Available in: AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States
Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card
Source states (paraphrased): ether.fi Cash is available to eligible Personal and Corporate members in the supported jurisdictions listed below
Source: In which countries is the Cash card available?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card
Account / spend currencies
EURShow source
Account / spend currencies: EUR
Source states (paraphrased): The Bitpanda Card is nominated in EUR and all related transactions are processed in EUR.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Pay quickly and safely with Apple Pay
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Yes*Show source
Apple Pay: Yes
Only where Apple Pay is supported
Source states (paraphrased): Help article explains adding the card to Apple Wallet and Google Pay.
Source: How do I add my card to Apple Wallet or Google Pay?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Only where Apple Pay is supported
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Help article explains adding the card to Google Pay.
Source: How do I add my card to Apple Wallet or Google Pay?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Physical card
YesShow source
Physical card: Yes
Source states (paraphrased): Every additional physical card
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Yes*Show source
Physical card: Yes
Not shipped to every eligible region
Source states (paraphrased): Available as both a virtual and physical card.
Source: What is ether.fi Cash?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Not shipped to every eligible region
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Available as both a virtual and physical card.
Source: What is ether.fi Cash?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): You can use it for online payments, to pay for your groceries at the supermarket or to make ATM withdrawals.
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Yes*Show source
ATM withdrawals: Yes
Not permitted in North Korea, Iran and Myanmar
Source states (paraphrased): You can withdraw cash from ATMs using your ether.fi Cash card
Source: What are the transaction limits and fees for personal Cash credit cards?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Not permitted in North Korea, Iran and Myanmar
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): This works whether your spending token is USDC or EURC
Source: EUR purchases 0% FX Rate
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Airport lounge access
Yes*Show source
Airport lounge access: Yes
Core: 2 free passes to premium lounges; unlimited from Pinnacle
Source states (paraphrased): Airport lounge access: 2 Free passes to premium lounges
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core: 2 free passes to premium lounges; unlimited from Pinnacle
Travel / rental car insurance
Yes*Show source
Travel / rental car insurance: Yes
Auto rental coverage, shared across all memberships
Source states (paraphrased): Travel benefits shared across all memberships: Auto rental coverage
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Auto rental coverage, shared across all memberships
Purchase protection
Yes*Show source
Purchase protection: Yes
Purchase and price protection, all memberships
Source states (paraphrased): Purchase and price protection
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Purchase and price protection, all memberships
Spendable assets
All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EUR*Show source
Spendable assets: All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EUR
Bitpanda Crypto Indices excluded; other fiat currencies not supported; page also says 600+ crypto assets
Source states (paraphrased): All cryptocurrencies listed on Bitpanda
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Bitpanda Crypto Indices excluded; other fiat currencies not supported; page also says 600+ crypto assets
USDC · LiquidUSD*Show source
Spendable assets: USDC · LiquidUSD
Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral
Source states (paraphrased): from your USDC or LiquidUSD balance
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral
Blockchains
Ethereum · Polygon · Optimism · Arbitrum · Scroll*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum · Scroll
Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added
Source states (paraphrased): "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain, Scroll Blockchain
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added
Limits
ATM limit
€500*Show source
ATM limit: €500
Per day
Source: Bitpanda card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Per day
$25,000*Show source
ATM limit: $25,000
Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours
Source states (paraphrased): | Core | $5,000 | 5 | $25,000
Source: What are the transaction limits and fees for personal Cash credit cards?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours
Spending limit
€10,000*Show source
Spending limit: €10,000
Per day; weekly EUR 70,000, monthly EUR 280,000
Source states (paraphrased): Daily Expenditure | €10,000
Source: The Bitpanda Visa Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Per day; weekly EUR 70,000, monthly EUR 280,000
Security & custody
Regulation / licences
Bitpanda Payments GmbH: PSD2 payment service provider licence, E-Money Institution*Show source
Regulation / licences: Bitpanda Payments GmbH: PSD2 payment service provider licence, E-Money Institution
Bitpanda Group platform-level licences (MiFID II, E-Money, PSD II)
Source states (paraphrased): Bitpanda Payments GmbH possesses a payment service provider licence under PSD2, recently becoming an E-Money Institute
Source: Security at Bitpanda
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Bitpanda Group platform-level licences (MiFID II, E-Money, PSD II)
Ether.Fi states it is not licensed to provide financial services as part of the Card Services*Show source
Regulation / licences: Ether.Fi states it is not licensed to provide financial services as part of the Card Services
Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law
Source states (paraphrased): You acknowledge that Ether.Fi is not licensed to provide any financial services
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law
Deposit protection
No*Show source
Deposit protection: No
Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance
Source states (paraphrased): This is not deposit insurance
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance
Smart-contract risk
YesShow source
Smart-contract risk: Yes
Source states (paraphrased): qualifying losses caused by unauthorized third-party exploits of ether.fi account smart contracts
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
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
ether.fi Cash
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+540 EUR
- Net annual value462 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers