Card profile
Bitpanda Card
The MiCA-licensed EU fallback, now with 0% FX (Visa markup aside). Cashback is a modest flat 1% and it stays EU-only, but the regulatory durability is the strongest in this set.
Score
7.5 / 10
Updated 21 Jul 2026
| Issuer | Bitpanda (MiCA-licensed) |
|---|---|
| Network | Visa |
| Custody | custodial |
| Available in | EU |
| Restricted | US, UK |
| Virtual issuance | $0 |
| Physical issuance | $0 |
| Monthly fee | $0 |
| Conversion fee | 0% |
| FX (non-base) | 0% (Visa FX markup applies) |
| Per-transaction limit | $10,000 |
| Daily limit | $10,000 |
| Rewards | 1% cashback in crypto (crypto-asset spend only) |
What we like
- MiCA-licensed, strongest EU regulatory standing in this set
- 0% FX fee on non-EUR spend (Visa markup applies)
- No issuance or monthly fee
- Multi-asset funding, mature Austrian-FMA operator
What we don't
- Cashback is a flat 1% and only on crypto-asset spend
- EU only, no UK or US
- Daily limit EUR 10,000, below RedotPay