Bitpanda is one of the largest European investment platforms, founded in Vienna, Austria in 2014. What started as a crypto broker has grown into a multi-asset platform with over 3,000 digital assets, including 650+ cryptocurrencies, real stocks, ETFs, precious metals and commodities. The platform now serves over 6 million users across more than 40 European countries.
In this Bitpanda review, we cover everything you need to know: the important difference between the Bitpanda Broker and Bitpanda Fusion, fees, the Visa card, regulation and how it compares to alternatives like Bitvavo.
Bitpanda review summary: Bitpanda is one of the biggest European investment platforms with 650+ cryptocurrencies, 10,000+ stocks and ETFs, precious metals and commodities. The platform is well-regulated with 16+ licences including MiCA from BaFin (Germany). However, the broker fees are very high (0.99-2.49% per trade).
The advanced Bitpanda Fusion platform is cheaper (starting at 0.25%), but still more expensive than dedicated crypto exchanges like Bitvavo (max 0.25% on the standard platform). Bitpanda is best suited for users who want crypto, stocks and metals in one platform. For crypto-only trading, Bitvavo offers lower fees, better protection (€100,000) and more staking options (70+).
First impression of Bitpanda
Bitpanda positions itself as a one-stop shop for European investors. The platform is available via web and mobile (iOS and Android) in multiple languages including English, German, French, Spanish, Italian, Polish and Turkish.
Bitpanda offers two distinct platforms. Bitpanda Broker is the standard app, designed for beginners with a simple buy/sell interface and no order book. Bitpanda Fusion (which replaced Bitpanda Pro) is aimed at experienced traders, offering an aggregated order book from multiple global exchanges with professional order types and lower fees.
The platform supports over 650 cryptocurrencies alongside stocks, ETFs, precious metals (gold, silver, platinum, palladium) and commodities. Since January 2026, Bitpanda also offers over 10,000 real stocks and ETFs from just €1 per trade, making it more than just a crypto platform. 
Key Features of Bitpanda
- 650+ cryptocurrencies and 3,000+ total digital assets.
- Real stocks and ETFs (10,000+) from €1 per trade (since January 2026).
- MiCA licence from BaFin (Germany), plus licences in Austria and Malta (16+ total).
- Bitpanda Fusion: advanced trading with fees starting at 0.25%, down to 0.02%.
- Savings plans for automated recurring investments.
- Crypto indices for diversified crypto exposure.
- Visa card with Bitcoin cashback (up to 2% for VIP members).
- Staking available for ETH, SOL and selected assets.
- Zero deposit and withdrawal fees via SEPA.
- Precious metals: gold, silver, platinum, palladium.
- Available in 40+ European countries.
Summary
| Feature | Details |
|---|---|
| Offer | 650+ cryptos, 10,000+ stocks/ETFs, metals, commodities. |
| Broker fees | 0.99% (BTC), 1.49% (most cryptos), 2.49% (small caps). Spread included. |
| Fusion fees | Starting at 0.25%, down to 0.02% with volume. |
| Payment methods | SEPA (free), PayPal, Apple Pay, credit card, Wero. |
| Staking | Yes, for ETH, SOL and selected assets. |
| Built-in wallets | Yes, for all assets. |
| Insurance | No specific insurance fund. Cold storage + Proof of Reserves. |
| Bonuses | No welcome bonus. BEST token for VIP cashback programme. |
| Registration | Required (KYC mandatory). |
| API | Yes, automatic trading is possible. |
| Regulation | MiCA (BaFin, Germany), FMA Austria, MFSA Malta. 16+ licences. |
| Support | Ticket-based support system. Help centre available 24/7. |
| Email address | support@bitpanda.com. |
Bitpanda Pros and Cons
| Pros | Cons |
|---|---|
| Â Multi-asset platform: crypto, stocks, ETFs, metals | Â Very high broker fees (0.99-2.49%) |
| Â MiCA licensed, 16+ European licences | Â No futures or margin trading for most users |
| Â 650+ cryptos, huge asset selection | Â Fusion fees (0.25%) still higher than competitors |
| Â Visa card with cashback, savings plans | Â No welcome bonus, no specific insurance fund |
Bitpanda Offer
Bitpanda has evolved from a crypto-only broker into a full multi-asset investment platform. Here is what you can trade and invest in:
- Cryptocurrencies (650+):Â All major coins like Bitcoin, Ethereum, Solana and XRP, plus a large selection of altcoins and trending tokens. Available on both the Broker app and Fusion.
- Stocks and ETFs (10,000+): Since January 2026, Bitpanda offers real securities trading with fractional shares from just €1. Savings plans are available for automated investing with no brokerage fees. Previously, stocks on Bitpanda were derivative contracts (CFDs), but this has changed to real share ownership.
- Precious metals: Gold, silver, platinum and palladium. You can buy fractions of these metals starting from €1.
- Crypto indices:Â Bitpanda offers custom crypto index funds that automatically rebalance, providing diversified crypto exposure without picking individual coins.
Bitpanda has its own token called BEST (Bitpanda Ecosystem Token). Since 2025, BEST no longer directly reduces trading fees. Instead, it is used for the VIP loyalty programme and determines your cashback percentage on the Visa card (up to 2% at VIP 5 level).
Guide how to trade on Bitpanda
Important: Bitpanda offers two platforms with very different fee structures. The standard Bitpanda Broker is simple but expensive (0.99-2.49%). Bitpanda Fusion offers much lower fees (starting at 0.25%) through an aggregated order book. If you plan to trade regularly, always use Fusion or consider using a cheaper exchange like Bitvavo or Bybit.
How to deposit?
Bitpanda charges zero fees for deposits and withdrawals via SEPA, PayPal and Apple Pay. Note that your bank or payment provider may still charge their own fees.
Supported fiat currencies include EUR, CHF, GBP, USD and TRY. To deposit:
- Log in to your Bitpanda account.
- Click the Deposit button.
- Select your fiat wallet (e.g. Euro).
- Choose a payment method (SEPA, PayPal, Apple Pay, credit card).
- Enter the amount and confirm.
You can also deposit crypto from an external wallet by selecting the specific cryptocurrency and using the generated deposit address.
How to buy crypto?
On Bitpanda Broker (simple):
- Click Trade and then Buy.
- Select the cryptocurrency you want to buy.
- Enter the amount in euros.
- Review the final price (fee is included in the displayed price).
- Click Buy Now to confirm.
On Bitpanda Fusion (lower fees):
- Go to Bitpanda Fusion (web.bitpanda.com/fusion, desktop only).
- Select your trading pair (e.g. BTC/EUR).
- Choose between a limit order, market order or stop order.
- Enter the amount and confirm.
How to sell crypto?
To sell cryptocurrencies with Bitpanda:
- Click on Trade.
- Click on the Sell option.
- Select the cryptocurrency alongside your wallet.
- Select the fiat wallet you want to transfer your incoming funds to
- Specify the amount you wish to sell.
- Finalize on details of your sale and click on Sell Now.
- Your selected fiat wallet should be updated with the new amount.
How to do a fiat payout?
To withdraw money from your fiat wallet, follow the following steps.
- Click on the desired fiat wallet under Fiat Wallets.
- Click Withdraw.
- Specify the payout account. If you have not already created a payout account, you will need to do so for your selected payment provider.
- Enter the amount you want to withdraw, then click on Go To Summary.
- Finalize all details of the withdrawal and click Confirm.
- You will be sent a confirmation email.
- Click on the Confirm Transaction and await to be redirected to a success screen on Bitpanda.
Verification and Limits
KYC verification is mandatory for all Bitpanda users. You need to provide a valid ID and complete facial recognition. Once verified, you have access to all features including fiat deposits and withdrawals.
Bitpanda operates under strict EU regulations, including MiCA, and all users must be verified before they can trade.
Bitpanda fees and other costs
This is the most important section of this review. Bitpanda has two very different fee structures depending on which platform you use. In both cases, the fees are higher than what dedicated crypto exchanges like Bitvavo charge.
Bitpanda Broker fees (standard app)
The Broker app uses a spread-based pricing model where the fee is included in the displayed price. The actual fees are:
| Asset type | Fee per trade |
|---|---|
| Bitcoin and stablecoins | 0.99% |
| Most cryptocurrencies | 1.49% |
| Small-cap and Spotlight cryptos | 2.49% |
| Stocks and ETFs | €1 per trade (zero commission on savings plans) |
| Gold | 0.50% buy / 1.00% sell |
| Silver, Platinum | 2.50% buy / 2.00% sell |
These fees are very high compared to dedicated crypto exchanges. Here are some practical examples:
| Trade | Bitpanda Broker | Bitvavo | Difference |
|---|---|---|---|
| Buy €100 Bitcoin | €0.99 fee | €0.25 fee | 4x cheaper on Bitvavo |
| Buy €500 Ethereum | €7.45 fee | €1.25 fee | 6x cheaper on Bitvavo |
| Buy €1,000 Solana | €14.90 fee | €2.50 fee | 6x cheaper on Bitvavo |
| Buy €5,000 XRP | €74.50 fee | €12.50 fee | 6x cheaper on Bitvavo |
The difference adds up quickly, especially if you trade regularly. On Bitvavo, you pay a maximum of 0.25% on the standard, beginner-friendly platform. No need to switch to a separate advanced platform. Bitvavo also offers €10 free and €10,000 commission-free trading for new users.
Bitpanda Fusion fees (advanced platform)
Fusion uses a volume-based tier system with much lower fees:
| Tier | 30D Volume | Fee |
|---|---|---|
| Level 1 | Starting | 0.25% |
| Level 2+ | Higher volume | 0.15% and lower |
| Top tier | Highest volume | As low as 0.02% |
Fusion is significantly cheaper than the Broker, but it is only available on desktop and requires more trading knowledge. Even at the base level (0.25%), Fusion is still not cheaper than Bitvavo, which offers the same 0.25% maximum fee on its standard beginner-friendly platform. In other words: you need Bitpanda’s advanced platform just to match what Bitvavo offers by default.
Deposits and withdrawals:Â Free via SEPA, PayPal and Apple Pay. Crypto withdrawals only incur network fees. This is comparable to Bitvavo, which also offers free deposits via iDEAL, SEPA, Wero and Bancontact.
Bitpanda Visa card
Bitpanda offers a Visa debit card that lets you spend your portfolio balance at merchants. The card converts your selected asset (crypto, fiat or metals) at the time of purchase.
Cashback is determined by your VIP level, which depends on how much BEST token you hold. VIP 1 members earn around 0.25-0.50% cashback, while VIP 5 members can earn up to 2%. There are no annual fees or foreign transaction fees on the card itself. Note that the cashback may not compensate for the higher trading fees: if you pay 1.49% to buy crypto and earn 0.50% cashback, you are still paying far more than the 0.25% you would pay on Bitvavo.
Is Bitpanda safe?
Bitpanda is one of the most regulated crypto platforms in Europe. The platform holds 16+ licences across multiple jurisdictions:
- MiCA licence from BaFin (Germany, January 2025), allowing EU-wide operations.
- Additional MiCA licences in Austria (FMA) and Malta (MFSA).
- FCA registration in the United Kingdom.
- VASP licence in Dubai (March 2025).
- MiFID II, PSD II and E-Money licences for broader financial services.
Security measures include cold storage for customer assets, two-factor authentication, and regular third-party audits. Bitpanda has no reported major security breaches since its founding in 2014.
However, Bitpanda does not offer a specific insurance fund like some competitors. There is no stated coverage amount in case of a hack.
By comparison, Bitvavo offers protection up to €100,000 on your account. The platform does publish Proof of Reserves, though these are not automatically displayed and must be requested.
Bitpanda vs Bitvavo: comparison
For European users who primarily want to trade cryptocurrencies, Bitvavo is the better choice in almost every category. Here is a detailed comparison:
| Â | Bitpanda | Bitvavo |
|---|---|---|
| Crypto offer | 650+ cryptocurrencies | 440 cryptocurrencies |
| Trading fees | 0.99-2.49% (Broker) / 0.25% (Fusion) | Max. 0.25% (standard platform) |
| Deposit fees | Free (SEPA, PayPal) | Free (iDEAL, SEPA, Wero, Bancontact) |
| Protection | No specific amount stated | Up to €100,000 |
| Staking | Limited (ETH, SOL) | 70+ staking options |
| Regulation | MiCA (BaFin, Germany), 16+ licences | MiCA licence + DNB registration |
| Welcome bonus | None | €10 free + €10,000 commission-free trading |
| Visa/debit card | Yes (up to 2% cashback) | No |
| Stocks and ETFs | Yes (10,000+ from €1) | No |
| Precious metals | Yes (gold, silver, platinum, palladium) | No |
| Users | 6+ million (EU-wide) | 2.3+ million (NL market leader) |
| Payment methods | SEPA, PayPal, Apple Pay, credit card | iDEAL, SEPA, Wero, Bancontact, PayPal |
| Futures / Leverage | Limited (10x margin, select countries) | Short selling available (BTC, ETH, XRP, SOL, ADA) |
Conclusion: If your main goal is buying and trading crypto, Bitvavo wins on nearly every front. Bitvavo offers the same or lower fees on its standard beginner-friendly platform (max 0.25%) that Bitpanda only matches on its advanced Fusion platform. Bitvavo also offers better protection (up to €100,000), far more staking options (70+ vs limited), a welcome bonus and free local payment methods like iDEAL, Wero and Bancontact.
Bitpanda’s strength is its multi-asset approach. If you want to combine crypto, stocks, ETFs and precious metals in one platform, Bitpanda is a solid choice. The Visa card with cashback is also a nice addition. But for crypto-only trading, the fees are simply too high compared to dedicated exchanges like Bitvavo.
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