Bitpanda Card vs Lemon 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 | Lemon Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| Lightning funding | no | balance only, not the card |
| BTC sale timing | Not documented | BTC sold per transaction |
| Fees | ||
| Top-up fee | 0% | not documented |
| FX fee | 0% | 0.5% |
| Monthly fee | none | none |
| ATM fee | 2% | not documented |
| Cashback | 1% in EUR | 0.25% in BTC |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Limits | ||
| Daily spend limit | EUR 10,000 | $12000000.0 |
| ATM daily limit | EUR 500 | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | EEA | AR |
| Network | Visa | Visa |
| Form factor | Physical | Physical + virtual |
| Apple Pay | yes | yes |
Pick Bitpanda Card if
- Known fee stack (0.0 vs 0.5 % equivalents on a $500/mo profile)
- Higher documented cashback (1% vs 0.25)
Pick Lemon Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
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.
Lemon Card
exists - active (Argentinien); Prepaid-Visa mit BTC-Cashback (0.25%/2%) plus BTC-collateral Kreditkarte; Brasilien-Geschaeft wird zum 15.11.2026 beendet
More head-to-heads
FAQ
Which is better for privacy, Bitpanda Card or Lemon Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-02 · How we verify