Bitpanda Card vs Solayer Pay
Crypto native
Crypto native
Verdict
- Bitpanda Card scores higher overall (6.8 vs 6.2 out of 10).
- Bitpanda Card is clearly stronger on: Fees, Availability, FX & international.
- Solayer Pay 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: Fees, Availability, FX & international
Solayer Pay 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:
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 | Solayer Pay |
|---|---|---|
| Fees | 100 | 83 |
| Cashback & rewards | 21 | – |
| Availability | 70 | 50 |
| FX & international | 100 | 40 |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 5.2 | n/a |
| Best for Travel | 7.9 | 5.6 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | 6.2 | 6.5 |
| Best for Stablecoins | n/a | 6.8 |
| Best for High Spenders | 5.5 | 5.5 |
| Best for Low Fees | 9.2 | 7.0 |
| Best for Beginners | 7.5 | 7.5 |
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
Stablecoin 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)
Self-custodyShow source
Card issuer / program manager
Transact Payments Malta LimitedShow source
Fees
Annual fee
FreeShow source
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
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
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
Replacement fee
€5.90Show source
FX fee
0%Conditions apply: tap or hover for detailsShow source
No Bitpanda fee; Visa's own exchange-rate mark-up applies
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Top-up fee
1%Show source
ATM fee
2% (min. €2)Conditions apply: tap or hover for detailsShow source
Plus local ATM operator fees
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
Visa FX mark-up applies on non-EUR transactionsShow source
Card deactivated after 6 months of inactivity; a new card must be issuedShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
On payments funded with crypto
Max cashback
1%Show source
Cashback paid in
BitcoinShow source
Cashback type
CryptoConditions apply: tap or hover for detailsShow source
Paid in the crypto used for the purchase
PointsShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
4–5% on sUSD, a Treasury-backed stablecoin users can opt into
Cashback conditions
Purchase must be funded with a crypto asset as the selected payment assetShow source
Every transaction earns Solayer Card Points (Season 2), which unlock future $LAYER token rewards, partner airdrops and exclusive perks, and access to beta tests, merch and VIP events · Referrers earn 10% of their referrals' points, indefinitelyConditions apply: tap or hover for detailsShow source
Season 2 of the Points Program; partner campaigns (Sonic, OpenEden, Solana ID and more) offer extra perks and rewards
Staking / holding required for top rewards
NoShow 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
YesConditions apply: tap or hover for detailsShow source
Spends USDC balance directly, no pre-conversion
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
Except the excluded countries and 17 US states
Not available in
AF, AL, AD, Australia, Austria, BY, Belgium, BA, Bulgaria, BF, BI, KH, Canada, CF, CN, Croatia, CU, Cyprus, Czechia, CD, Denmark, ER, Estonia, Finland, France, GE, Germany, Greece, GN, GW, HT, Hungary, Iceland, India, Indonesia, IR, IQ, Ireland, Israel, Italy, JM, JO, XK, LA, Latvia, LB, LR, LY, Lithuania, Luxembourg, Malaysia, ML, Malta, MD, MC, ME, MA, MZ, MM, Netherlands, New Zealand, NI, Nigeria, KP, Norway, PS, Poland, Portugal, QA, Romania, RU, SM, RS, Slovakia, SO, South Africa, South Korea, Spain, SD, Sweden, Switzerland, SY, Thailand, Turkey, UG, Ukraine, United Arab Emirates, United Kingdom, VU, VE, EH, YE, PW, NP, VietnamConditions apply: tap or hover for detailsShow source
Residents or citizens, regardless of current residence
Account / spend currencies
EURShow source
Features
Apple Pay
YesShow source
YesShow source
Google 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
USDCShow source
Blockchains
Solayer ChainShow source
Limits
ATM limit
€500Conditions apply: tap or hover for detailsShow source
Per day
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours
Spending limit
€10,000Conditions apply: tap or hover for detailsShow source
Per day; weekly EUR 70,000, monthly EUR 280,000
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)
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
Solayer Pay
- Annual & monthly fees−18 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction feesunknown
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers