Bitpanda Card vs Bitstack Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Bitpanda Card ranks higher on the documented evidence (7/10 vs unscored). The right pick still depends on your priority - see the flow comparison below.
 Bitpanda Card | Bitstack Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | No direct BTC load |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 0% | 0.7% |
| FX fee | 0% | not documented |
| Monthly fee | none | none |
| ATM fee | 2% | 1% |
| Cashback | 1% in EUR | 0.1% in BTC |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | EUR 10,000 | not documented |
| ATM daily limit | EUR 500 | $200.0 |
| Max load | not documented | not documented |
| Availability | ||
| Regions | EEA | FR |
| Network | Visa | Visa |
| Form factor | Physical | Physical + virtual |
| Apple Pay | yes | yes |
Pick Bitpanda Card if
- Known fee stack (0.0 vs 0.7 % equivalents on a $500/mo profile)
- Higher documented cashback (1% vs 0.1)
Pick Bitstack Card if
- Cheaper ATM withdrawals (1% vs 2%)
Bitpanda Card
Europe's cleanest all-asset debit card: spend any of 600+ cryptos or even precious metals from one EUR card with zero monthly fees, 0% own FX markup, generous EUR 280k/month limits and an MFSA-regulated issuer. The 1% cashback only pays on crypto payments, ATM withdrawals cost 2%, and it is euro-area only.
Bitstack Card
exists - active, France-only Visa-Karte (Xpollens-EMI) mit instanten Round-Ups + BTC Stackback (Basis 0.1%/0.15%, up to 1%/1.5% abhaengig von automatischen Ersparungen)
More head-to-heads
FAQ
Which is better for privacy, Bitpanda Card or Bitstack Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify