Bitpanda Card

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Bitpanda Card scores 11 of 16 on the CBL Card Score. Bitpanda, Visa. Custodial; crypto segregated under MiCA. Transact Payments Malta, MFSA e-money licence.

CBL Card Score: 11 of 16

Criterion	Points	What we found	Source
Custody	1 of 2	Custodial. The card spends from the Bitpanda account. A "Main payment asset" (EUR, any listed crypto, or a precious metal) is converted to EUR at the moment of payment and taken from the EUR wallet (official, bitpanda.com/en/card). Client crypto is held by Bitpanda GmbH and Bitpanda Asset Management GmbH under MiCA, "operationally and legally segregated from Bitpanda's own assets" (official, summary of custody policy 1.1.0). For the e-money behind the card, the TPML cardholder agreement says only "please refer to your agreement with the Account Provider in relation to the safeguarding of your funds" (official, clause 22.2, 8 Apr 2025). Bitpanda GmbH states it holds no e-money for the card (official, card terms 2.0.0).	official checked 20 October 2026
Issuer and licence	2 of 2	Transact Payments Malta Limited, "authorised by the Malta Financial Services Authority an electronic money institution", company registration number 91879, issuing under its own Visa licence (official, TPML cardholder agreement, 8 Apr 2025). The card page repeats the MFSA registration as C 91879 (official, checked 20 Oct 2026). The MFSA register entry itself was not reached in this check.	official checked 20 October 2026
Availability	0 of 2	Verified Bitpanda users with "residency in a euro area country" (official, card page and help centre FAQ, checked 20 Oct 2026). Users verified by Bankident cannot order. Not offered in the UK, the UAE, Saudi Arabia or the US (official country scope).	official checked 20 October 2026
FX fee on a foreign-currency purchase	2 of 2	"Non-EUR FX fee: €0 (Visa mark-up fees still apply)" on the card page, and "Foreign exchange charge: 0%, on top of Visa's mark-up" in the TPML fee schedule (official, 8 Apr 2025). Bitpanda adds no markup of its own, so the Visa scheme rate applies. Third parties estimate the Visa conversion at 1% to 2% but publish no figure (third-party: SpendNode, 17 Aug 2026).	official checked 20 October 2026
Funding cost	1 of 2	Account opening, monthly cost and initial shipment free; virtual and physical card fee 0 (official, card page and TPML fee schedule). Replacement €5.90, each additional physical card €10, expired card replaced free (official). No inactivity fee listed. SEPA deposits in EUR carry no Bitpanda fee; PayPal deposits cost 1.49% (official, help centre fees article). Paying with crypto or a stablecoin triggers Bitpanda's usual trading premium on the sale to EUR, and the premium is not published as a percentage (official, card terms 2.0.0 and help centre fees article). Paying from the EUR wallet carries no conversion fee.	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	"Yes, you can add your Bitpanda Card to Apple Pay or Google Pay" (official, help centre FAQ, checked 20 Oct 2026).	official checked 20 October 2026
Freeze and dispute policy	2 of 2	Card can be blocked and unblocked in the app at any time (official, FAQ and TPML agreement clause 11.2). Unauthorised or incorrect transactions must be reported "no later than 13 months after the Transaction date", with refunds "no later than the end of the following business day after being notified" (official, TPML agreement clause 11.7). Refund requests for payee-initiated transactions within 8 weeks of debit (clause 11.12). Chargeback processing fee 0. Complaints: Bitpanda customer service replies within 15 business days, TPML gives a formal response within 35 business days (clauses 15.2 and 15.4). Bitpanda handles "reception and processing of pre-dispute filings" (official, card terms 2.0.0).	official checked 20 October 2026
Yield on idle balance	1 of 2	The card spends from the EUR wallet, which pays no interest (official, Bitpanda Payments terms). Bitpanda Cash Plus pays a gross variable yield on EUR of 2.50% "as of 10/2026" via money market funds, with no lock and withdrawal at any time, after an appropriateness test and a derivative contract (official, bitpanda.com/en/bitpanda-cash-plus and help centre article 8028034097436). Whether the card draws straight from a Cash Plus balance is not stated on either page.	official checked 20 October 2026

Total 11 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

20 October 2026

11 of 16

First score

Standing

Company	Bitpanda. Bitpanda GmbH, Vienna, distributes the card and holds a MiCAR licence from BaFin, granted January 2025 (official, blog.bitpanda.com, 27 Jan 2025). Bitpanda Payments GmbH is the group's Austrian e-money institution, registered with the FMA, commercial register FN 501412 x, but its terms (version 2.0.1, 24 Nov 2022) do not mention the card (official). The card itself is issued by Transact Payments Malta Limited (TPML), with Marqeta, Inc. as programme manager (official, card terms 2.0.0, 1 Apr 2025).
Network	Visa (official). official
Rails	Transact Payments Malta Limited issues the card under its MFSA e-money licence, with Marqeta, Inc. as programme manager (official). Client crypto sits with Bitpanda GmbH under MiCA; e-money safeguarding is delegated to the account provider agreement (official).
Website	bitpanda.com/en/card
Health tag	Watch The issuer is a Maltese e-money institution and Bitpanda holds a BaFin MiCAR licence with a written segregation statement for crypto, but the current safeguarding agreement for the card's e-money could not be located, and the legal page on the site still shows the pre-2025 Contis terms (official).
Last checked	20 October 2026

When it goes wrong

Card can be blocked and unblocked in the app at any time (official, FAQ and TPML agreement clause 11.2). Unauthorised or incorrect transactions must be reported "no later than 13 months after the Transaction date", with refunds "no later than the end of the following business day after being notified" (official, TPML agreement clause 11.7). Refund requests for payee-initiated transactions within 8 weeks of debit (clause 11.12). Chargeback processing fee 0. Complaints: Bitpanda customer service replies within 15 business days, TPML gives a formal response within 35 business days (clauses 15.2 and 15.4). Bitpanda handles "reception and processing of pre-dispute filings" (official, card terms 2.0.0).

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	"Non-EUR FX fee: €0 (Visa mark-up fees still apply)" on the card page, and "Foreign exchange charge: 0%, on top of Visa's mark-up" in the TPML fee schedule (official, 8 Apr 2025). Bitpanda adds no markup of its own, so the Visa scheme rate applies. Third parties estimate the Visa conversion at 1% to 2% but publish no figure (third-party: SpendNode, 17 Aug 2026). official
Funding	Account opening, monthly cost and initial shipment free; virtual and physical card fee 0 (official, card page and TPML fee schedule). Replacement €5.90, each additional physical card €10, expired card replaced free (official). No inactivity fee listed. SEPA deposits in EUR carry no Bitpanda fee; PayPal deposits cost 1.49% (official, help centre fees article). Paying with crypto or a stablecoin triggers Bitpanda's usual trading premium on the sale to EUR, and the premium is not published as a percentage (official, card terms 2.0.0 and help centre fees article). Paying from the EUR wallet carries no conversion fee. official
ATM	2% or €2, whichever is higher, plus any ATM operator fee; daily ATM limit €500, not increasable (official, card page and FAQ).
Tiers	Single card, the "Bitpanda Visa Platinum", no tiers (official). BEST VIP fee discounts remain for legacy members until the end of 2026 (official, Cash Plus help article).

Cashback, as of 20 Oct 2026

"All users receive a flat 1% cashback on eligible purchases paid with cryptocurrencies", paid in the same crypto (official, help centre FAQ, checked 20 Oct 2026). Purchases funded by EUR, precious metals, stocks or stablecoins (USDT, USDC, EUROCV) earn nothing (official). The card page metadata still reads "up to 2%", a leftover from the earlier BEST VIP scheme (official, checked 20 Oct 2026).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

Verified Bitpanda users with "residency in a euro area country" (official, card page and help centre FAQ, checked 20 Oct 2026). Users verified by Bankident cannot order. Not offered in the UK, the UAE, Saudi Arabia or the US (official country scope). official

Identity checks: Verified Bitpanda account with proof of residency in a euro area country; Bankident-verified users excluded (official).

What we still need confirmed

Facts marked official come from Bitpanda's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• MFSA Financial Services Register entry for Transact Payments Malta Limited (fsr.mfsa.mt). Keep issuer at 2 if the entry shows an e-money licence; rescore to 1 if it does not. open
• Current account provider agreement for the card's e-money and its safeguarding wording. Rescore custody to 0 if no segregation is stated for the e-money. open
• Trading premium charged when crypto or a stablecoin is sold to EUR at payment. Rescore funding to 0 if 1% or more. open
• Visa's own conversion markup on non-EUR purchases. Rescore fx to 1 if Visa publishes a markup above 0% for this programme. open
• Whether the card can draw from a Cash Plus balance without a manual move. Rescore yield to 2 if yes. open
• Replacement fee: card page says €5.90 in the table and €9.90 in its FAQ. open

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

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