What is the Bitpanda Card and what are its benefits?

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: The card is available exclusively in Eurozone countries (where EUR (€) is the official currency), with the exception of Cyprus. It is not available in any non-Euro countries (e.g. the UK, Switzerland, Hungary etc.)

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:

Important: Your address should be updated in your Profile. Make sure all information displayed are correct in your profile and when ordering the card, as it is not possible to change it after your card is already ordered. contact us before ordering.

1

Log in to the Bitpanda mobile app.

2

Click on your User Icon. OR click directly on the Card Icon on the other side of your Profile Icon.

3

Select Card.

4

Follow the on-screen instructions.

Delivery Information: 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 and your local postal service.

You can also order a virtual-only card, up to three active cards at the same time.

Step 1 of 2

How to Re-Order a Card

Select which scenario applies to you below for a step-by-step guide:

I haven’t received my first card orderI haven’t received my second card orderMy card was lost / damaged / stolen

First Card Reorder

If after one month, you didn’t receive your Card, you can click on your card settings in your mobile or web app and you’ll see the following page:

You’ll be able to click on “Haven’t receive it yet?” and order a second card free of charge in this case.

Before ordering a new card, we recommend you check that your address is complete and correct in your Bitpanda profile, as it is used as the prefilled address.

Once you order the new card, the previous one will be permanently deactivated, even if you receive it in the meantime. So, when you receive your card, make sure the card number is the newest one before you activate it.

Second Card Reorder

1

Go into your card settings: Open the mobile app or web platform and navigate to your card settings section.
2

Terminate the card: Select the option to cancel/terminate the undelivered card.
3

Order a new one: Proceed with requesting a new replacement card.

Please note that any new order after the second card not received will be charged 10 EUR.

Lost, Damaged or Stolen Card

Step 12345 of 5

Step 1: Go to your card settings: Navigate to the card settings section in your Bitpanda app.

Step 2: Click on "Reorder your card": Click on Reorder your card and check the details of reordering. A reorder for these cases will cost 5.90 EUR.

Step 3: Confirm why you need to reorder a card: Select and confirm the reason for your reorder (Lost, Damaged, or Stolen).

Step 4: Check and confirm your details: Your card will be shipped to this address, so ensure it is complete and correct (with city, zip code, street number…).

Step 5: And it is done! You’ll have an estimated time for the shipping of your new card!

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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. Please note, 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.