savebackcards.com
DEEN

Bitpanda Card vs Phantom Cash Card

Bitpanda Card

Crypto native

6.8
Get the card
Phantom Cash Card

Crypto native

3.6
Get the card

Verdict

  • Bitpanda Card scores higher overall (6.8 vs 3.6 out of 10).
  • Bitpanda Card is clearly stronger on: Cashback & rewards, Availability, Product features, Limits & ATM.
  • Phantom Cash Card is clearly stronger on: 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: Cashback & rewards, Availability, Product features, Limits & ATM

Phantom Cash Card is a good fit for

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

Stronger on: 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 CashPhantom Cash Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitpanda CardPhantom Cash Card
Fees100–
Cashback & rewards210
Availability703
FX & international100–
Product features7047
Custody & security7580
Credit & financing3030
Limits & ATM6020
Transparency86100
Best for Cashback5.22.3
Best for Travel7.93.8
Best for Self-Custodyn/a5.8
Best for DeFi Users6.24.8
Best for Stablecoinsn/a4.9
Best for High Spenders5.52.7
Best for Low Fees9.2n/a
Best for Beginners7.55.0

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 card, Stablecoin cardConditions apply: tap or hover for detailsShow source

Debit card linked to the CASH stablecoin balance of the Phantom Cash account

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
StripeConditions apply: tap or hover for detailsShow source

Replacement cards and cards activated after 2026-10-05 are Stripe-issued; cards activated before 2026-10-05 without a replacement are Bridge-issued (disputes via Galileo)

Fees

Annual fee

FreeShow source
No data yet

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

No data yet

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

ATM fee

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

Plus local ATM operator fees

No data yet

Other fees & markups

Visa FX mark-up applies on non-EUR transactionsShow source
No data yet

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

No purchase cashback; Phantom pays variable Cash Rewards on the balance (rate shown in the app)

Cashback conditions

Purchase must be funded with a crypto asset as the selected payment assetShow source
Cash Rewards on CASH balances: variable APY set by Phantom, paid weekly, no lock-up · Rewards pause at $1,500 per tax year until tax details are provided · Cash Rewards not available in the US or US-sanctioned jurisdictionsConditions apply: tap or hover for detailsShow source

Cash Rewards is a balance reward funded by Phantom, not purchase cashback; rate shown in the app as APY, paid weekly in CASH, no minimum balance, no lock-ups; rewards pause once total Phantom rewards reach $1,500 in a tax year until US-person status is confirmed or identity verified; not available in the US, where the card is offered

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
YesConditions apply: tap or hover for detailsShow source

Spends the Cash account balance; the account must be funded before paying

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

United StatesConditions apply: tap or hover for detailsShow source

Except New York; identity verification required for the card

Account / spend currencies

EURShow source
USDConditions apply: tap or hover for detailsShow source

CASH balance is converted to USD when paying; merchant is paid in USD

Features

Apple Pay

YesShow source
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
NoShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

YesShow source
NoConditions apply: tap or hover for detailsShow source

ATM withdrawals and cash advances are unsupported merchant categories and are declined

Spend stablecoins

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

Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH

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

CASHConditions apply: tap or hover for detailsShow source

Cash account balance (CASH), converted to USD at payment

Blockchains

No data yet
SolanaShow 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

$2,000Conditions apply: tap or hover for detailsShow source

Per day; automatic review for $5,000 after 30 days

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)

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

Phantom Cash Card

  • Annual & monthly feesunknown
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 EUR
  • 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 Phantom Cash Card comparisons