Introducing our Bitpanda Card
The Bitpanda Card is the easiest way to spend your investments online and in shops all across the globe. You can use all supported cryptocurrency wallets, metals wallets and the EUR wallet for your daily purchases - that means you can now even pay with real gold everywhere you go.
Note: this card is available in all Eurozone countries, except Cyprus & Liechtenstein.
- Requirements
- How to order
- Using the Broker App
- Card Management
- Cashback & Excluded Merchants
- Fees
- Google Pay / Apple Pay
Requirements
To be eligible to order and use the Bitpanda Card, the following conditions must be met:
- You have a verified Bitpanda account
- You are a resident of a country in the euro area (i.e. countries that have adopted the euro as their official currency)
- Your identity verification was not completed via Bankident (users verified through Bankident are currently not eligible)
- You have installed the Bitpanda mobile app, as all card features are only available through the app
How to order
You can order directly through the mobile app. Simply follow these steps:
- Log in to the Bitpanda mobile app
- Make sure the legal name you registered with Bitpanda is spelt correctly on your account, as it will also be the one used on your card. If you need to correct it, please contact us before
- Click on your User Icon
- Select Card
- Follow the on-screen instructions
Keep in mind that the shipping address must match your residential address registered on Bitpanda. Card delivery usually takes up to 20 business days (excluding weekends and public holidays) and is performed via DHL courier.
Note: The first card order is free of charge. Replacement cards due to loss or damage may incur a fee of €5.90. Only an expired card will be replaced automatically, free of charge.
You can also order a virtual-only card, up to three active cards at the same time.
How to use the Broker App for Bitpanda Card
Once you have ordered and received your Bitpanda Card, you can access all your Bitpanda Card functionalities on the Broker App.
You can access:
- Your full payment history
- The selection of your payment asset (it can be changed at any time)
- All settings of your Bitpanda Card
- Fees attached to the Bitpanda Card
Your app also allows you to activate, block or unblock your card.
Card Management
- If you haven’t done so yet, download the Bitpanda App via the Apple App Store or Google Play Store
- Log into your Bitpanda account inside the app and pair your smartphone by clicking on the confirmation link sent to your email
- Activate your Bitpanda Card by clicking on the “Activate” banner in the dashboard, or go to your profile and select Card
- Enter the CVV from the back of your card and follow the in-app instructions
Note: If you enter the CVV incorrectly three times during activation, the card will be locked. Please contact us for assistance.
Tip: It is not possible to change your PIN online. You can change it at ATMs that support this feature.
- Log in to the Bitpanda App
- In the Card dashboard, tap the gear icon to open card settings
- Tap Block card or Unblock card
Note: If you don’t see the option in your app, make sure it’s updated to the latest version.
Tip: If you tap block/unblock too quickly, it may fail. Wait a few seconds and try again.
In some cases, Bitpanda may block your card automatically (e.g. wrong CVV entered 3 times, wrong PIN 3 times, suspicious activity). You can always ask us to permanently block your card.
Cashback & Excluded merchants
The Bitpanda Card offers you a cashback advantage: 1% in your selected asset if you use crypto as a payment method for your card.
Cashback can take up to 15 business days to be credited in your account. Also, some merchants are excluded from the programme.
Note: Cashback does not apply to transactions funded with Stablecoins, Precious Metals, Bitpanda Stocks, or fiat balances. Cashback is also excluded for specific MCC categories such as money transfers, utilities, tax payments, and others. Learn more in our Cashback Guide.
Fees
Each Bitpanda Card payment triggers an asset-to-fiat trade within your account, incurring the usual trading fee. Bitpanda covers Visa's transaction fees for you.
ATM withdrawals cost 2% of the withdrawal or at least EUR 2. Payments and withdrawals in non-EUR currencies no longer incur any fees.
Note: Some ATMs may add local withdrawal fees. Bitpanda cannot influence or refund these. Cancel the withdrawal to avoid such fees if desired.
Tip: You can view all fees and limits inside the Bitpanda app under Card settings > Limits and Fees, as well as in Transaction details.
Google Pay / Apple Pay
Your card can be added to Google Pay and Apple Pay, like any other VISA card.
For further questions, please refer to our FAQ section where we cover all the most common topics related to the Bitpanda Card. You can also find a detailed explanation of how transactions with the Bitpanda Card are processed, including step-by-step examples.