The Bitpanda Card is a debit card, therefore you cannot create any debt when using it. It is connected to your Bitpanda account and enables you to spend funds directly from any of your wallets - be that fiat, crypto, stocks or metals. You can use it for online payments, to pay for your groceries at the supermarket or to make ATM withdrawals. Since the Bitpanda Card is connected to the Visa payment system, it can be used anywhere in the world where a Visa card is accepted.