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bitpanda card

Spend your investments like cash

It's a debit card unlike any other. Spend your cryptocurrency, metals and stocks* with a tap of a card – wherever you are.

bp card

invest, spend, withdraw

Spend anything. Anywhere.

Spend crypto, metals or any other asset with a tap of a card — anywhere you see a Visa logo.

  • Use the Bitpanda App to switch between payment assets
  • Accepted by 54m+ Visa merchants in 200+ countries
  • No card fees, no monthly account fees

card features english
Pay icons

Get crypto back.

BEST VIPs can amplify their spending and earn BTC with every purchase made

  • Earn 0.5% to 2% cashback per transaction
  • Get 0.75% to 2.25% off forex fees
  • Free ATM withdrawals each month***

Trusted and secure.

From online shopping to in-store purchases, Bitpanda and Visa keep your transactions safe.

  • Backed by Visa security & fraud prevention
  • Block and unblock your card with a tap
  • Extra 3DS protection for an added layer of security

Track your spending.

Keep track of your purchases and expenses in real time with the Bitpanda App.

  • Access your payment history and view cashback rewards
  • Get real-time push notifications with every transaction

Pay quickly and safely
with Apple Pay

Enjoy all the benefits of the Bitpanda Card while paying contactless with Apple Pay.
No need to dig for your wallet, simply spend your assets via your device wherever you see one of these symbols.


  • Is this a credit or debit card?

    The Bitpanda Card is a debit card, therefore you cannot create any debt when using it. It is connected to your Bitpanda account and enables you to spend funds directly from any of your wallets - be that fiat, crypto, stocks or metals. You can use it for online payments, to pay for your groceries at the supermarket or to make ATM withdrawals. Since the Bitpanda Card is connected to the Visa payment system, it can be used anywhere in the world where a Visa card is accepted.

  • Am I eligible to order a Bitpanda Card?

    In order to be eligible to order the Bitpanda Card, you have to fulfil the following two requirements:

    1. You have a verified Bitpanda account
    2. You must be a resident in a country in the euro area. These are countries that have adopted the euro as their primary currency
  • How do I order a Bitpanda Card?

    If you fulfil the above-mentioned criteria, you will be able to order a Bitpanda Card. Just select “Card” in the menu of your Bitpanda account and follow the instructions provided to you on-screen.

  • How long does it take to get my card?

    Your card will typically be shipped within 5-10 working days. Shipping times may vary depending on the destination country and the delivery location within each country.

  • How do I pay using crypto, metals or stocks?

    In order to use your Bitpanda card, you need to set up a “Main payment asset”. You can use any asset* you hold on Bitpanda as your Main payment asset, this includes fiat (EUR), all crypto-assets, stocks and precious metals. Your card is then connected to your Main payment asset at all times, which is used to fund your card payments. This means at the moment you complete a purchase or cash withdrawal with your card, your asset will instantly and automatically be traded to EUR and deducted from your EUR fiat currency wallet to complete the payment. Of course, you can always switch your Main payment asset via the Bitpanda App at any time.

    You can also set up a “Fallback payment asset”. The Fallback payment asset is optional but recommended to add. If a payment is too big to be covered by the connected Main payment asset, the full amount will be deducted from the fallback wallet. This helps avoid failed transactions if your main wallet is running low on funds.

    *except the Bitpanda Crypto Indices

  • How do I keep track of my spending?

    You can have the information on your card spending at your fingertips. The moment you spend with your card, you will immediately receive a push notification with a summary of your payment, including the asset used and the credited cashback (more info about cashback is provided below) on the display of your phone. Additionally, you can find an overview of your payment history and trade history in your Bitpanda mobile app.

  • Why did my Bitpanda Card payment fail?

    Most payments fail due to insufficient funds. You should make sure your chosen payment asset has sufficient funds to cover the payment amount. Otherwise, you can switch to a different wallet or asset that has the sufficient amount in it. For other common reasons a payment may fail and what to do if your payments fail, please refer to our Helpdesk articles.

    Note: If you have been asked to provide "Proof of funds", all payout options including the Bitpanda Card will be disabled until the requested documents have been submitted, processed and approved.

  • Are there benefits for VIP users?

    Of course. As usual, we also offer benefits for our BEST VIP users. Find out more about our BEST VIP card benefits. For general information on our BEST VIP programme, click here.

  • When does my BEST VIP level impact my fee and cashback levels?

    BEST level changes become effective at 23:59 CET of the day you reach your new BEST level. From that day onwards, you can enjoy all the benefits that come with a higher BEST level like lower FX fees or higher cashback amounts.

  • How do you keep my money safe?

    Your Bitpanda Card transactions are protected by state-of-the-art Visa anti-fraud detection systems and monitored by Bitpanda to flag any suspicious behaviour. Additionally, you can block and unblock your card at any time using the Bitpanda mobile app. If you want to deactivate your card permanently, please contact our customer support.

    The Card is issued by UAB “Finansinės paslaugos „Contis“ who holds the electronic money institution license No. 53, dated 23-07-2019, issued by the Bank of Lithuania. The Card is an electronic money product and although we are supervised by the Bank of Lithuania, it is not covered by the Deposit Insurance System of the Republic of Lithuania. We ensure that any funds received by you are held in a segregated account so that in the unlikely event that UAB “Finansinės paslaugos „Contis“ becomes insolvent your funds will be protected against claims made by creditors.

  • I lost my card. Can I order a new one?

    Yes. In the case of damage, loss or theft, you can reorder your card in the Bitpanda mobile app at a cost of €9.90. Please note that you can only have one active Bitpanda Card at a time.

  • Which assets can be used with my Bitpanda Card?
    • All cryptocurrencies listed on Bitpanda
    • All precious metals listed on Bitpanda
    • Euro (other fiat currencies are currently not supported by the card)

    We are constantly adding more assets and currencies to the list, giving you more ways to spend.

    Note: The card cannot be connected to your Bitpanda Crypto Indices.

  • What happens if my payment gets refunded?

    The Bitpanda Card is nominated in EUR and all related transactions are processed in EUR. Therefore, refunds of any kind will always be credited in the respective amount to your EUR fiat wallet on Bitpanda.

  • What is a "Fallback payment asset"?

    During the card activation process, you can select both a Main and an optional Fallback payment asset. These will be used to fund your card payments. The Main payment asset is the default asset to cover your transaction. If the balance of your Main payment asset is too low to fund the transaction, your card would normally be declined. In this case, however, the Fallback asset jumps into action and covers the respective payment to avoid a failed transaction.

    Note: You can change the main and Fallback asset at any time via the Bitpanda mobile app.

  • Are there any minimum payment amounts?

    Nope, there are no minimum transaction amounts.

  • When and how can I activate my Bitpanda Card?

    To activate your card, follow these 3 simple steps:

    1. Download the Bitpanda mobile app via the Apple App Store or Google Play Store. Note: If you already have the Bitpanda mobile app installed, please update the app to the latest version.

    2. Activate your Bitpanda Card by clicking on the “Activate” banner in the dashboard of your Bitpanda mobile app. Alternatively, go to your profile and select “Card”.

    3. Type in the security code from the back of your card and follow the in-app instructions.

  • Can I change the connected assets?

    Yes, at any time. You can use the Bitpanda App to manage your card. For instance, you initially set the Main payment asset to be Bitcoin but now you want to pay with Ethereum instead. No problem – This can be done at any time, instantly. You can also connect your EUR wallet, as well any other asset offered on the Bitpanda platform (except the Bitpanda Crypto Indices).

  • What contactless payment options are available?

    Of course, you can pay in the smoothest way possible - using contactless payment. Google Pay and Samsung Pay currently support the Bitpanda Card. Apple Pay supports the Bitpanda Card in Austria and will soon support it in several other countries in Europe.

  • Do I have to pay taxes when I pay with cryptocurrencies?

    Paying with cryptocurrencies by e.g. using your Bitcoin (BTC) as the default asset for the Bitpanda Card involves a trade from cryptocurrency to euro. Therefore, this is usually a taxable event. However, please note that taxable events depend on your individual tax situation and are country-specific. Therefore, please understand that Bitpanda cannot provide any tax support and we recommend that you get in touch with your local tax advisor for more information. Please note that you can also use your euro wallet with your Bitpanda Card, which doesn't involve a taxable event when a payment is made using the Bitpanda Card.

  • Which assets are eligible for cashback?

    Cashback is available for purchases made using crypto and metals. Your payments will be excluded from the BTC cashback programme if fiat (€), Bitpanda Stocks, USDT or USDC are your selected payment asset.

  • Need more help?

    Find more information in our Helpdesk.

*Bitpanda Stocks are contracts replicating an underlying stock or ETF. More information is available at bitpanda.com.

Basic fees and conditions

Account opening Free
Monthly cost Free
Initial shipment €9.90
Spending your assets Only the normal trading premiums apply for automatically converting the asset into EUR
Shipment of replacement card €9.90
ATM fee Free of charge within your monthly BEST limits. Afterwards, €1.5 per withdrawal*
Non-EUR transactions (POS fee depending on BEST VIP level) 0.25-2.5%

*Some local banks may charge additional fees for withdrawals at their ATMs. These fees are added on top of the withdrawal amount. Bitpanda has no control over these fees, nor are we able to reject or reverse them. You are, however, given the possibility to cancel your withdrawal before it is completed to avoid these fees.

Card limits

Daily ATM withdrawals €350
Daily expenditure €10,000
Weekly/monthly limits None

Exclusive benefits for BEST VIPs

BEST VIP level
Free ATM withdrawals/month
FX fee
Cashback in BTC
0 - 2 0 2.50% 0.00%
3 1 1.75% 0.50%
   4 5 1.00% 1.00%
   5 0.25% 2.00%

*The Card is issued by UAB “Finansinės paslaugos „Contis“ who holds the electronic money institution license No. 53, dated 23-07-2019, issued by the Bank of Lithuania. The Card is an electronic money product and although we are supervised by the Bank of Lithuania, it is not covered by the Deposit Insurance System of the Republic of Lithuania. We ensure that any funds received by you are held in a segregated account so that in the unlikely event that UAB “Finansinės paslaugos „Contis“ becomes insolvent your funds will be protected against claims made by creditors.

Bitpanda Stocks enables investing in fractional stocks. Fractional stocks in Europe are always enabled via a contract which replicates the underlying stock or ETF (financial instruments pursuant to section 1 item 7 lit. d WAG 2018). Investing in stocks and ETFs carries risks. For more details see the prospectus at bitpanda.com