Rapidz Card vs Bitpanda Card
On cashback Bitpanda Card wins (up to 1%, but the full rate requires ≥5.000 BEST in portafoglio); for spending abroad FX markup matters, and Bitpanda Card does better (0% vs 2.5%). In our editorial rating Bitpanda Card leads (4.1 vs 1.5). The choice depends on your real spending profile: redo the math with your volumes before picking between Rapidz Card and Bitpanda Card.
| Rapidz Card | Bitpanda Card | |
|---|---|---|
| Tier | D | A |
| Rating | ★ 1.5 | ★ 4.1 |
| Estimated net annual cost | €0 | €0 |
| Network | Mastercard | Visa |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| ATM withdrawal | 2% | 2% |
| FX markup | 2.5% | 0% |
| Cashback | Not disclosed | 1% in BEST o asset scelto · ≥5.000 BEST in portafoglio |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 2/10 | 5/10 |
| Supported countries | US, LATAM | EEA · 40+ countries |
| Funding / solidity | Rapidz Pay, Inc. e una societa privata con sede negli USA (operante anche come Rapidz Pay Pty Ltd in Australia) che offre la Rapidz Card, una carta crypto custodial su circuito Mastercard con custodia Fireblocks e supporto a oltre 16 criptovalute. | — |
| Regulator | FinCEN (USA), AUSTRAC (Australia), FNTT (Lituania), Labuan FSA / Money Broking Business (Malaysia) | FMA Austria |
| Segment | B2C | B2C |
| Free ATM limit | — | €500/giorno |
| On-chain settlement | — | No |
| OAM Italy registration | — | Yes |
| Regions | US, LATAM | EU/EEA |
| Licences & safety | FinCEN MSB (USA), Money Broking Business Malaysia (MB/25/0129), AUSTRAC Digital Currency Exchange (Australia), FNTT Virtual Currency Exchange (Lithuania) | Crypto Asset Service Provider |
Frequently asked questions
Rapidz Card vs Bitpanda Card: which is better?
On cashback Bitpanda Card wins (up to 1%, but the full rate requires ≥5.000 BEST in portafoglio); for spending abroad FX markup matters, and Bitpanda Card does better (0% vs 2.5%). In our editorial rating Bitpanda Card leads (4.1 vs 1.5). The choice depends on your real spending profile: redo the math with your volumes before picking between Rapidz Card and Bitpanda Card.
Which is cheaper, Rapidz Card or Bitpanda Card?
On the standard spending profile Rapidz Card has the lowest net annual cost: €0 versus €0 for Bitpanda Card.
Which offers more cashback, Rapidz Card or Bitpanda Card?
Bitpanda Card has the highest cashback: up to 1%. Note the top rate often requires token staking and is subject to spending caps.
Is Rapidz Card custodial or self-custody?
Rapidz Card is custodial: funds are held by the platform, while Bitpanda Card is custodial.
Which is better for spending abroad?
For foreign-currency spending Bitpanda Card wins, with the lowest FX markup: 0%.