TXBFI 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 0.6%). In our editorial rating Bitpanda Card leads (4.1 vs 2.5). In short: TXBFI Card if your usage matches its strength, Bitpanda Card otherwise — the numbers above beat any slogan.
| TXBFI Card | Bitpanda Card | |
|---|---|---|
| Tier | C | A |
| Rating | ★ 2.5 | ★ 4.1 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| Issuance fee | €25 | Free |
| Annual fee | Free | Free |
| Free ATM limit | Virtual $0 · Plastic $1,000 · Metal $1,500 · Gold $3,000 per day | €500/giorno |
| ATM withdrawal | not declared | 2% |
| FX markup | 0.6% | 0% |
| Cashback | 0.4% in BTC · Nessuno | 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 | EEA, UK, LATAM | EEA · 40+ countries |
| Funding / solidity | TheXBanky s.r.o. (brand TXBFI), IČO 21932506, società privata con sede in Repubblica Ceca; emette la TXBFI Card su circuito Visa con licenza VASP. | — |
| Regulator | Financial Analytical Office (Finanční analytický úřad, Repubblica Ceca) | FMA Austria |
| Segment | B2C | B2C |
| On-chain settlement | — | No |
| OAM Italy registration | — | Yes |
| Regions | EU/EEA, UK, LATAM | EU/EEA |
| Licences & safety | VASP (Czech Republic, Financial Analytical Office) | Crypto Asset Service Provider |
Frequently asked questions
TXBFI 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 0.6%). In our editorial rating Bitpanda Card leads (4.1 vs 2.5). In short: TXBFI Card if your usage matches its strength, Bitpanda Card otherwise — the numbers above beat any slogan.
Which is cheaper, TXBFI Card or Bitpanda Card?
On the standard spending profile TXBFI Card has the lowest net annual cost: €0 versus €0 for Bitpanda Card.
Which offers more cashback, TXBFI 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 TXBFI Card custodial or self-custody?
TXBFI 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%.