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The Bitpanda Card is the Visa debit card program operated by Bitpanda, an Austrian-regulated crypto exchange, offering tiered cashback rewards linked to BEST token staking.
Overview of Bitpanda Cards
The EU-Native Crypto Spending Platform
Bitpanda has built its reputation as one of the most regulated and consumer-friendly exchanges in Europe. Headquartered in Vienna and holding a full Austrian Financial Market Authority (FMA) license, it operates with MiCA compliance and serves 26 Eurozone countries. The Bitpanda Card extends this regulated infrastructure into daily spending, allowing users to convert 242 cryptocurrencies, precious metals, and fiat balances into EUR at the point of sale.
Unlike exchange-first competitors like Bybit or Binance that bolted card programs onto trading platforms, Bitpanda designed its card as a core product from day one. The result is a tightly integrated experience where your portfolio and your spending card share a single dashboard.
The Dual-Tier System: Base vs. BEST VIP
Bitpanda's card rewards are entirely driven by the BEST (Bitpanda Ecosystem Token) staking system:
- Base Tier (0 BEST): A functional crypto spending card with no monthly fees and no cashback. It serves as a straightforward off-ramp for EU residents who want to spend their portfolio without dealing with bank transfers.
- BEST VIP Tiers: By staking increasing amounts of BEST, users unlock progressively better cashback (0.5% to 2%), reduced FX fees (from 2.5% down to 0.25%), and free ATM withdrawals. The top tier at 50,000 BEST delivers the full benefit package.
Technology: Instant Asset Conversion
The Bitpanda Card uses a real-time conversion model similar to Coinbase and Crypto.com:
- No Preloading: You do not need to "top up" the card. When you tap to pay, Bitpanda instantly sells the selected asset from your portfolio and settles in EUR.
- Asset Selection: Within the app, you choose which asset the card draws from - BTC, ETH, SOL, or any of the 242 supported cryptocurrencies.
- Conversion Cost: This convenience comes at a price. The total crypto-to-EUR conversion fee is approximately 2.99% (1.49% conversion fee + ~1.5% spread). This is significantly higher than competitors like Bybit (0.9%) or Crypto.com (0%).
The BEST Token Economy
BEST is the utility token that powers the entire Bitpanda ecosystem. For cardholders, the staking tiers are:
| VIP Level | BEST Required | Cashback | FX Fee | Free ATM |
|---|---|---|---|---|
| Level 0 | 0 | 0% | 2.5% | None |
| Level 3 | 5,000 | 0.5% | 1.75% | 1/month |
| Level 4 | 10,000 | 1% | 1% | 5/month |
| Level 5 | 50,000 | 2% | 0.25% | Unlimited |
Important: Cashback only applies to purchases funded with crypto. Paying with fiat, stablecoins, stocks, or metals does not earn rewards.
Regulation and Trust
Bitpanda's regulatory posture is among the strongest in Europe:
- Austrian FMA License: Fully licensed and supervised as a virtual asset service provider.
- MiCA Compliance: Already aligned with the EU's Markets in Crypto-Assets regulation framework.
- Segregated Assets: Client funds are held separately from company operating capital.
- 26-Country Coverage: Available across the Eurozone with standardized KYC requirements.
Verdict: The Conservative EU Choice
Bitpanda occupies a specific niche in the market: it is the most regulated and conservative crypto card available to EU residents. If you already use Bitpanda as your primary exchange and hold a meaningful BEST position, the card is a logical extension of the ecosystem. The 2% cashback at the top tier is competitive, and the near-zero FX fee makes it viable for travel. The main drawback is the 2.99% conversion spread, which eats into the cashback benefit and makes large crypto liquidations expensive. For pure spending efficiency, competitors like Plutus or Gnosis offer lower conversion overhead.
Fees and ROI framework
Use a consistent ROI lens across the issuer's tiers: break-even = annual fee / effective rewards rate. Since Bitpanda charges no annual fee but requires BEST staking, treat the opportunity cost of locked BEST tokens as the annualized cost.
At 2% cashback with a 2.99% conversion spread, the net reward on crypto purchases is effectively negative (-0.99%) unless you factor in the FX fee reduction for international purchases. The card's true value emerges for frequent cross-border spenders in the Eurozone who benefit from the 0.25% VIP FX rate.
All numeric fee and limit figures referenced above are sourced from the issuer documentation listed below. Source: Bitpanda Card Official.
Competitor comparison
Closest alternatives include the Plutus Card (3-8% cashback, no conversion spread), the Nexo Card (no conversion fee on crypto spend), and the Crypto.com Visa (tiered staking with 0% conversion). Compare BEST staking requirements against CRO or PLU staking before committing.
Availability and compliance notes
Available to verified residents of 26 Eurozone countries. Not available in the UK, US, or non-EU jurisdictions. Standard KYC verification required. No credit check needed.
Sources
Frequently Asked Questions
How does Bitpanda Card cashback work?
Cashback is 1% on all crypto-funded purchases, paid in crypto. Payments made with fiat (EUR), stablecoins, metals, or stocks are excluded from the cashback programme.
Which countries is the Bitpanda Card available in?
The card is available in Eurozone countries including Austria, Germany, France, Spain, Italy, Netherlands, and others. UK and non-EU residents are not eligible.
What are the fees?
No card issuance fee, no monthly fees. 0% FX fees for non-EUR transactions (Visa network markup may still apply). Replacement card costs 9.90 EUR. Minimum transaction is 1 EUR.
App Store (1.1K ratings)
âI have been an investor of crypto for a few years now and have used various different exchanges. I can honestly say for UK customers this is the best exchange to use.â
Source: Apple App Store - Updated Feb 2026