Bitpanda Card vs PST.NET
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: Bitpanda Card wins overall (7/10 vs 4.4/10). The right pick still depends on your priority - see the flow comparison below.
 Bitpanda Card |  PST.NET | |
|---|---|---|
| Overall score | 7 | 4.4 |
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | not documented |
| FX fee | 0% | 1% |
| Monthly fee | none | ? |
| Cashback | 1% in EUR | none |
| Regions | EEA | GLOBAL |
Pick Bitpanda Card if
- Known fee stack (0.0 vs 1.0 % equivalents on a $500/mo profile)
- Higher documented cashback (1% vs 0)
Pick PST.NET if
- you match none of Bitpanda Card's edge cases - the closer score makes it the default
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.
PST.NET
A niche virtual-card service for online/media-buying use cases with crypto funding - usable for its purpose, but tier subscriptions, per-card fees and the niche positioning make it a poor general spending card.