Bitpanda Card
Bitpanda · VISA debit
Bitpanda Card is a debit card with 1-2% cashback in your chosen asset (BTC, ETH, BEST, etc.). Unlike Crypto.com — staking is in BEST tokens, not CRO. MiCA-licensed issuer (BaFin Germany).
NorriWire does not maintain an affiliate agreement with this issuer.
Cashback
1.0%
user-choice
Monthly fee
Free
FX markup
1.49%
over ECB
Fees
| Issuance | Free |
| Monthly fee | Free |
| FX markup | 1.49% |
| Free ATM per month | — |
| ATM fee thereafter | 1.50% |
| Card replacement | €9.95 |
Features
- ✓Physical card
- ✓Virtual card
- ✓Contactless payments
- ✓Apple Pay
- ✓Google Pay
- ✓Support for 250+ crypto balances
Supported fiat currencies: EUR, USD, GBP
Pros
- ✓BaFin MiCA-licensed issuer (one of the first in EU)
- ✓1-2% cashback in chosen crypto-asset
- ✓No fixed fees, no monthly fee
- ✓Apple Pay and Google Pay
- ✓Available in all 7 Norriwire target countries
Cons
- ✗BEST staking required for higher cashback
- ✗BEST token less liquid than CRO
- ✗Limited tier system (no €40k+ levels)
- ✗No physical card in some markets
Full review
Bitpanda Card — Bitpanda Card is a debit card with 1–2% cashback in your chosen asset (BTC, ETH, BEST, etc.). Unlike
Bitpanda Card is a debit card with 1–2% cashback in your chosen asset (BTC, ETH, BEST, etc.). Unlike Crypto.com — staking is in BEST tokens, not CRO. MiCA-licensed issuer (BaFin/FMA).
Key advantages
- MiCA-licensed issuer (Bitpanda BaFin + FMA licence)
- Cashback in your chosen asset — including USDC or EURC stablecoin
- Free Standard tier with 1% cashback and no staking required
- Apple Pay and Google Pay support
- Direct Bitpanda app integration (250+ cryptocurrencies)
Key disadvantages
- 1.49% FX markup from the first EUR (Crypto.com offers 0% up to limits)
- Free ATM withdrawals per month = 0 (even lower tiers incur charges)
- Maximum cashback (2%) requires €5k BEST staking
- BEST token is less liquid than CRO
Bottom line
Better MiCA compliance than Crypto.com Visa, but weaker no-staking benefits. For Latvian users — if a regulated issuer is your priority, go with this card. If your priority is 200 EUR in free ATM withdrawals per month, choose Crypto.com Visa.