1% back0% FXissuer help center
Bitpanda Card: fees & cashback
Source: issuer help center, checked 04 Nov 2026.
Cashback1%
FX / conversion0% Bitpanda FX on non-EUR (Visa mark-up may apply); each payment is an asset-to-fiat trade at the usual trading fee, rate shown in app
Annual feeFree
IssuanceFree
Top-up0.99% BTC and stablecoins / 1.49% altcoins / 2.49% Spotlight
ATM2% (min EUR 2)
RegionsEurozone only (not Cyprus)
Bonus: Spend crypto, metals, stocks; 1% BTC back on crypto spend
Note: No cashback on fiat/stables; euro area only
Tiers by plan
TierCashbackFXCapCost
Base1%0% *only when paying in cryptofree
* 0% Bitpanda FX; trading fee on conversion, rate in app
Source: issuer help center, checked 04 Nov 2026.
Questions answered
What cashback does Bitpanda Card pay?
1% Limits: only when paying in crypto.
Does Bitpanda Card charge a foreign exchange fee?
0% Bitpanda FX on non-EUR (Visa mark-up may apply); each payment is an asset-to-fiat trade at the usual trading fee, rate shown in app Listed FX on non-USD spend: 0%.
What does Bitpanda Card cost?
Annual fee: Free. Issuance: Free.
Where is Bitpanda Card available?
Eurozone only (not Cyprus) Not issued in: CY, LI.
Real receipts
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