Bitpanda Card cashback applicability

Cashback is applicable to purchases of goods and services with the Bitpanda Card via point of sale (POS) terminals or online transactions when funded with the following asset types:

• Cryptocurrencies
• Metals

Note: Please note that stablecoins (USDC, USDT and EUROC) are excluded from the cashback programme.

The level of cashback rewards are determined by your BEST VIP level.

Excluded merchants

Card payments made under these merchant categories are excluded from the Bitpanda Card cashback programme:

Money transfer

Code: 4829

Merchants classified with this MCC allow customers to transfer funds via an electronic funds transfer/wire transfer/remittance (both card-present and card-absent locations including on the premises of the merchant and third-party agents such as casinos, truck stops or check-cashing storefronts) or via an original credit transaction (e.g., via Visa Direct or Person to Person [P2P] payments).

Included in this category:

• Wire transfer

Merchandise and services - Customer financial institutions

Code: 6012

Merchants classified with this MCC are associated with financial institutions for the purchase of merchandise or services or the repayment of debts to banks, savings and loans, thrift shops and credit unions. For example, the purchase of cheques, other financial products or promotional merchandise, deposits, the funding of an account, the purchase or reload of a stored-value card, the purchase of foreign currency, non-fiat currency (for example, cryptocurrency), money orders (a negotiable paper-based remittance – not a money transfer), traveller’s cheques and loan fees or financial counselling service fees. This MCC may also be used for merchants involved in the repayment of a debt, loan or credit card balance by a cardholder to the financial institution.

Included in this category:

• Account funding - Financial institutions
• Banks - Financial Institutions - Merchandise and services
• Credit unions - Financial institutions - Merchandise and services
• Deposits - Financial institutions
• Merchandise and services - Financial institutions
• Mortgage companies - Financial institutions
• Purchase of foreign currency/non-fiat currency (for example, cryptocurrency) and/or money orders (not money transfer) and traveller’s cheques - Financial institutions
• Loan payments - Financial institutions
• Savings and loans - Financial institutions - Merchandise and services
• Services - Banks, credit unions, financial institutions (non-cash)
• Stored value card

Quasi cash - Merchant

Code: 6051

Merchants classified with this MCC are associated with the funding of an account (excluding prepaid card loads), the purchase of foreign currency, non-fiat currency (for example, cryptocurrency), money orders or traveller’s cheques that occur at non-financial institutions such as currency exchanges or money order (a negotiable paper-based remittance - not a money transfer) merchants.

This MCC may also be used for merchants involved in the repayment of a loan or debt if the entity that holds the debt is not a financial institution.

Included in this category:

• Account funding - (Non-financial institutions)
• Currency - Non-fiat (for example, cryptocurrency)
• Currency - Foreign (Non-financial institutions)
• Exchange - Foreign currency (Non-financial institutions)
• Foreign currency (Non-financial institutions)
• Lease payments
• Loan payments
• Money - Foreign currency (Non-financial institutions)
• Money orders - Not money
• Transfer (Non-financial institutions)
• Mortgage companies - (Non-financial institutions)
• Services - Money order
• Traveller’s cheques
• Foreign exchange (Non-financial Institutions)
• Traveller’s cheques (Financial institutions)
• Traveller’s cheques (Non-financial institutions)

Securities - Brokers/Dealers

Code: 6211

Merchants classified with this MCC are licensed in all jurisdictions they sell into to buy, sell and broker securities, stocks, bonds, commodities and mutual funds.

Included in this category:

• Bond dealers/brokers - Securities, mutual funds, stocks, commodities and bonds
• Commodity dealers
• Dealers - Securities, mutual funds, stocks, commodities and bonds
• Foreign currency purchase
• Licensed foreign exchange
• Trading
• Binary options
• Investment firms - Dealers and brokers
• Mutual funds
• Brokers - Stock brokers

POI funding transactions (Excluding money sending)

Code: 6540

Merchants classified with this MCC are associated with the initial purchase and/or any subsequent reloads of stored value cards (including Visa prepaid cards) occurring at non-financial institutions.

Included in this category:

• Account funding (Non-financial institutions)
• Stored value card/load (Non-financial institutions)

Utilities

Code: 4900

Merchants classified with this MCC provide the ongoing generation, transmission, and/or distribution of electric or gas power or other utility services. This MCC also includes merchants that provide water supply system services and are merchants primarily engaged in the collection and disposal of refuse.

Insurance sales, underwriting and premiums

Code: 6300

Merchants classified with this MCC sell personal or business insurance policies such as automobile, life, health, hospital, medical and dental insurance, homeowners and renters insurance, real estate title insurance, pet health insurance and flood, fire or earthquake insurance.

Real estate agents and managers

Code: 6513

This MCC is used for the payment of management fees, rental commissions, rental payments, and other payments at real estate agents, brokers and managers engaged in the rental and management of residential and commercial properties. It also includes payments of deposits for real estate purchases.

This MCC does not include mortgage loan payments, real estate purchases and short-term rentals (of less than one month).

Computer programming, Data processing, and integrated systems design services

Code: 7372

Merchants classified with this MCC provide computer programming services, systems design, website design, data entry and data processing services.

Fines

Code: 9222

Merchants classified with this MCC are government entities that administer and process local, state and federal fines and penalties, motor vehicle violations and community- or property-assessed fines.

Tax payments

Code: 9311

Merchants classified with this MCC are local, state and federal entities that engage in financial administration and taxation including the collection of taxes and penalties, as well as the custody and disbursement of funds.

Government services (not elsewhere classified)

Code: 9399

Merchants classified with this MCC are government entities that provide general support services to government and communities are not classified with a more specific MCC.

Professional services (not elsewhere classified)

Code: 8999

Merchants classified with this MCC provide professional services that are not classified with a more specific MCC.