Bitpanda Card vs Tangem Pay
Crypto native
Crypto native
Verdict
- Bitpanda Card scores higher overall (6.8 vs 4.8 out of 10).
- Bitpanda Card is clearly stronger on: Fees, Availability, FX & international, Limits & ATM.
- For 1,500 EUR/month of spend, Bitpanda Card comes out about 78 EUR a year ahead on base-tier terms.
Bitpanda Card is a good fit for
- Frequent travellers
Stronger on: Fees, Availability, FX & international, Limits & ATM
Tangem Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Score by criterion
| Criterion | Bitpanda Card | Tangem Pay |
|---|---|---|
| Fees | 100 | 79 |
| Cashback & rewards | 21 | 30 |
| Availability | 70 | 3 |
| FX & international | 100 | 40 |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | 20 |
| Transparency | 86 | 86 |
| Best for Cashback | 5.2 | 4.2 |
| Best for Travel | 7.9 | 4.3 |
| Best for Self-Custody | n/a | 6.8 |
| Best for DeFi Users | 6.2 | 6.0 |
| Best for Stablecoins | n/a | 6.1 |
| Best for High Spenders | 5.5 | 4.2 |
| Best for Low Fees | 9.2 | 6.2 |
| Best for Beginners | 7.5 | 6.2 |
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
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: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
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%
Stablecoin cardConditions apply: tap or hover for detailsShow source
Card type: Stablecoin card
Funded with USDC loaded in advance; no credit line
Source states (paraphrased): It is a virtual Visa card issued by Rain , funded with USDC, which you load first.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Funded with USDC loaded in advance; no credit line
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: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Custody model
CustodialConditions apply: tap or hover for detailsShow 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-custodyShow source
Custody model: Self-custody
Source states (paraphrased): your assets remain in your own self-custodial smart contract throughout
Source: Help center | Partners & Roadmap
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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%
Card issued by Rain (Visa Principal Member); service provided by Paera LLCShow source
Card issuer / program manager: Card issued by Rain (Visa Principal Member); service provided by Paera LLC
Source states (paraphrased): The Tangem Pay card is issued by Rain , a Visa Principal Member
Source: Help center | Partners & Roadmap
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Tiers / plans
Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)Conditions apply: tap or hover for detailsShow source
Tiers / plans: Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
Source states (paraphrased): Tangem Pay fixes this with its first membership tiers: Basic, Plus, and Prestige .
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
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%
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 1 day ago (Fresh) · confidence 90%
FreeConditions apply: tap or hover for detailsShow source
Monthly fee: Free
Basic tier; Plus $29.99/month
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Basic tier; Plus $29.99/month
Physical card fee
FreeConditions apply: tap or hover for detailsShow 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
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Virtual card fee: Free
Basic tier
Source states (paraphrased): Free virtual card. No monthly fees.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier
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 1 day ago (Fresh) · confidence 60%
$5Conditions apply: tap or hover for detailsShow source
Replacement fee: $5
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
Source states (paraphrased): Virtual: $5; Plastic: delivery fee only
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
FX fee
0%Conditions apply: tap or hover for detailsShow 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 1 day ago (Fresh) · confidence 85%
No Bitpanda fee; Visa's own exchange-rate mark-up applies
1.5%Conditions apply: tap or hover for detailsShow source
FX fee: 1.5%
Up to; Tangem pages show 1% and 1.5%
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Up to; Tangem pages show 1% and 1.5%
Top-up fee
$1Conditions apply: tap or hover for detailsShow source
Top-up fee: $1
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
Source states (paraphrased): Send USD from your US bank account via ACH ($1 flat fee, free on Plus) or FedWire ($11 flat fee).
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
ATM fee
2% (min. €2)Conditions apply: tap or hover for detailsShow 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 1 day ago (Fresh) · confidence 90%
Plus local ATM operator fees
4%Conditions apply: tap or hover for detailsShow source
ATM fee: 4%
Basic tier; 2% on Plus
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Basic tier; 2% on Plus
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%
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source
Other fees & markups: Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchases
Source states (paraphrased): Polygon gas fees apply when topping up the card (paid to the Polygon network, not to Tangem), and Visa foreign-exchange fees apply
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow 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 1 day ago (Fresh) · confidence 85%
On payments funded with crypto
1%Conditions apply: tap or hover for detailsShow source
Base cashback: 1%
Basic tier; minimum $30 per transaction; monthly cap applies
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Basic tier; minimum $30 per transaction; monthly cap applies
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 1 day ago (Fresh) · confidence 75%
4%Conditions apply: tap or hover for detailsShow source
Max cashback: 4%
Prestige tier ($999/year, coming soon); Plus 2%
Source states (paraphrased): Earn up to 4% cashback
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Prestige tier ($999/year, coming soon); Plus 2%
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%
USDCShow source
Cashback paid in: USDC
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Cashback type
CryptoConditions apply: tap or hover for detailsShow 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 1 day ago (Fresh) · confidence 70%
Paid in the crypto used for the purchase
StablecoinShow source
Cashback type: Stablecoin
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Cashback-eligible spend cap
$10,000/monthConditions apply: tap or hover for detailsShow source
Cashback-eligible spend cap: $10,000/month
Basic tier, per month; Plus $15,000
Source states (paraphrased): That means up to $10,000 in monthly spending is eligible.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier, per month; Plus $15,000
Max cashback per month
$100/monthConditions apply: tap or hover for detailsShow source
Max cashback per month: $100/month
Basic tier; Plus $300, Prestige $1000
Source states (paraphrased): Basic tier users earn 1% back on all eligible purchases, capped at $100 per month.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier; Plus $300, Prestige $1000
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%
Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source
Cashback conditions: Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycle
Source states (paraphrased): Cashback requires a minimum transaction amount of $30.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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 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%
In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source
Reward exclusions: In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback terms
Source states (paraphrased): cashback does not apply to in-store purchases at EU and UK merchants.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (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%
NoShow source
Credit line: No
Source states (paraphrased): USDC goes in first, Visa handles the payment, and no credit line is created.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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%
NoneShow source
Credit type: None
Source states (paraphrased): USDC goes in first, Visa handles the payment, and no credit line is created.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
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%
Availability
Available in
Euro areaConditions apply: tap or hover for detailsShow 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 1 day ago (Fresh) · confidence 75%
Residents of euro-area countries with a verified account; not for users verified via Bankident
United StatesConditions apply: tap or hover for detailsShow source
Available in: United States
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
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%
USDShow source
Account / spend currencies: USD
Source states (paraphrased): The card currency is USD
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Own IBAN / bank details: Yes
US routing and account number (ACH/FedWire), not an IBAN
Source states (paraphrased): Your Tangem Pay account has its own routing number and account number.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
US routing and account number (ACH/FedWire), not an IBAN
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%
YesShow source
Apple Pay: Yes
Source states (paraphrased): add your card to Apple Pay or Google Pay
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): add your card to Apple Pay or Google Pay
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 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%
YesConditions apply: tap or hover for detailsShow source
Physical card: Yes
Page elsewhere mentions up to three virtual cards
Source states (paraphrased): you can open up to five virtual and plastic Visa cards
Source: Help center | What is Tangem Pay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Page elsewhere mentions up to three virtual cards
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): You receive a virtual Visa card.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
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%
YesConditions apply: tap or hover for detailsShow source
ATM withdrawals: Yes
Contactless ATMs only, via Apple Pay or Google Pay
Source states (paraphrased): You can withdraw cash at any contactless ATM.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Contactless ATMs only, via Apple Pay or Google Pay
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Airport lounge access: No
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Source states (paraphrased): Enjoy complimentary access to airport lounges worldwide with included Priority Pass/Dragon Pass visits.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Travel / rental car insurance
NoConditions apply: tap or hover for detailsShow source
Travel / rental car insurance: No
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Source states (paraphrased): Coverage for accidental damage when you pay for your rental car with your card.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Purchase protection
NoConditions apply: tap or hover for detailsShow source
Purchase protection: No
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Source states (paraphrased): Coverage against theft or accidental damage on eligible purchases.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Spendable assets
All cryptocurrencies listed on Bitpanda · All precious metals listed on Bitpanda · EURConditions apply: tap or hover for detailsShow 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 · USDTShow source
Spendable assets: USDC · USDT
Source states (paraphrased): Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Blockchains
Polygon · Base · BNB Smart Chain · ArbitrumShow source
Blockchains: Polygon · Base · BNB Smart Chain · Arbitrum
Source states (paraphrased): Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Limits
ATM limit
€500Conditions apply: tap or hover for detailsShow 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 1 day ago (Fresh) · confidence 90%
Per day
$250Conditions apply: tap or hover for detailsShow source
ATM limit: $250
Per transaction; up to 3 withdrawals per 24 hours
Source states (paraphrased): Your maximum withdrawal is $250 per transaction.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per transaction; up to 3 withdrawals per 24 hours
Spending limit
€10,000Conditions apply: tap or hover for detailsShow 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
$10,000Conditions apply: tap or hover for detailsShow source
Spending limit: $10,000
Per day, Basic tier; Plus $50,000, Prestige $100,000
Source states (paraphrased): $10,000 daily spending limit
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per day, Basic tier; Plus $50,000, Prestige $100,000
Security & custody
Regulation / licences
Bitpanda Payments GmbH: PSD2 payment service provider licence, E-Money InstitutionConditions apply: tap or hover for detailsShow 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)
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
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value78 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers