Bitpanda
Stocks + crypto + metals broker with card.
- Who holds it
- A licensed crypto-asset custodian holds the assets on your behalf — MiCA (AT); BaFin licenses.
- The ledger
- The custodian’s books, reconciled against on-chain balances.
- If it fails
- Recovery hinges on the custodian’s solvency and how cleanly client assets are segregated.
Derived from Bitpanda’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | hybrid |
| HQ | Vienna, AT |
| Founded | 2014 |
| Custody | Custodial |
| Regulation type | MiCA CASP (EU) |
| License detail | MiCA (AT); BaFin licenses |
| Card | Visa · Debit |
| Cashback | Up to 2% (BEST) |
| Yield | Staking |
| Stablecoins | Yes |
| KYC | Yes |
| Active regions | Europe |
| Countries | Austria, Germany, France, Spain, Italy, United Kingdom |
| Founders | Eric Demuth, Paul Klanschek, Christian Trummer |
| Funding | ~$500M; unicorn |
| Services | crypto on-ramp · crypto off-ramp · fiat pay-in (bank rails) · fiat pay-out (bank rails) · multi-currency hold · crypto-settled card |
| FX markup | 0% Bitpanda FX on non-EUR (Visa markup may apply); real cost is the crypto-sell spread (2026-07) · source ↗ |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @bitpanda ↗
Common questions about Bitpanda
What is Bitpanda?
Bitpanda is a fiat-and-crypto neobank, headquartered in Vienna, AT and founded in 2014. Your money is held custodially, so Bitpanda or its partner bank holds the balance and you hold a claim on it. It is regulated as a MiCA CASP (EU) (MiCA (AT); BaFin licenses).
Does Bitpanda have a card, and where can you use it?
It issues a Visa debit card. It is available in 6 countries, across Europe.
Does Bitpanda require KYC?
Yes. Bitpanda requires identity verification (KYC) to open an account, as a mica casp (eu).
What does Bitpanda cost?
From the verified fields: FX abroad — 0% Bitpanda FX on non-EUR (Visa markup may apply); real cost is the crypto-sell spread (as of 2026-07); cashback Up to 2% (BEST); yield Staking. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Bitpanda before relying on them.
Early investors
Head-to-head
Peers
Revolut · Crypto.com · Binance Card · Bybit Card · OKX Card · Bitget Card
Bitpanda appears in
Neobanks authorised as crypto-asset service providers under MiCA (8) · Neobanks available in Europe (144) · Neobanks that issue a Visa card (182)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.