Bitpanda Review

European multi-asset beginners

FMA BaFin MFSA FCA VARA

Founded 2014 · Austria · Bitpanda Group AG

Why investors choose this broker

No account opening or maintenance fee
No deposit or withdrawal fee on any payment method
No inactivity fee
Flat EUR 1 per stock and ETF trade with no custody fee

Review summary

Bitpanda is a Vienna-based multi-asset platform offering 650+ cryptocurrencies, stocks, ETFs, and precious metals with a flat EUR 1 stock-trade fee and no account or inactivity charges.

Pros

No account opening or maintenance fee
No deposit or withdrawal fee on any payment method
No inactivity fee
Flat EUR 1 per stock and ETF trade with no custody fee
650+ cryptocurrencies available
Stocks and ETFs available from EUR 1 via fractional shares
Automated savings plans for recurring investments
Multiple MiCAR licences and MiFID II investment services authorisation

Cons

Crypto spread on standard platform up to 2.49% on small-cap tokens
No demo account
Stocks and ETFs launched in January 2026 - shorter track record than crypto offering
Service limited to Europe, UK, and UAE - not available to US or Canadian residents
Standard platform lacks advanced charting and order types
No protection scheme covers crypto holdings

Company background

Bitpanda was founded in Vienna, Austria in 2014 by Eric Demuth, Paul Klanschek, and Christian Trummer under the parent entity Coinimal GmbH, which was renamed Bitpanda GmbH in 2018. It operates under Bitpanda Group AG and serves over 7 million users across Europe and the UK. Originally a crypto-only broker, it expanded into stocks, ETFs, and precious metals, and added real securities trading in January 2026. It was the first Austrian startup to achieve unicorn status in 2021.

The platform centres on a single account covering multiple asset classes. The standard Bitpanda Broker interface targets everyday investors, while Bitpanda Fusion aggregates liquidity from external exchanges for more active crypto traders.

Fees and pricing

Account opening, maintenance, and inactivity are free. Deposits on all payment methods including bank transfers and card payments carry no Bitpanda charge, and fiat withdrawals are also free. Crypto withdrawals to external wallets are subject to network fees only. Stock and ETF trades carry a flat EUR 1 fee with no custody charge, and automated savings plans are free.

Crypto trading on the standard platform uses a spread model: approximately 0.99% on stablecoins, 1.49% on major coins, and up to 2.49% on small-cap tokens. Bitpanda Fusion charges 0.02%-0.25% on a volume basis for active traders. Precious metals carry spreads of 0.5%-2.5% with a small weekly storage fee.

Regulation and safety

Bitpanda GmbH holds a MiCAR authorisation from the Austrian FMA and an investment services licence under MiFID II from the same authority. Bitpanda Asset Management GmbH holds a BaFin MiCAR authorisation in Germany, and a third MiCAR licence was granted by Malta's MFSA. In the UK, Bitpanda Broker UK Ltd is registered with the FCA as a cryptoasset firm. A VASP licence from Dubai's VARA covers the UAE.

The company states that client funds are segregated and that the majority of crypto assets are held in cold storage. ISO 27001 certification covers information security. Crypto holdings are not covered by compensation schemes such as the UK FSCS.

Platform experience

The Bitpanda web app and mobile apps for iOS and Android provide access to the full product range. The interface targets simplicity, with market orders and recurring savings plans available from the main screen. Bitpanda Fusion offers limit, stop-loss, and stop-limit orders with aggregated order book depth. Bitpanda Academy provides educational resources for newer investors.

Pros and cons

Bitpanda's main advantages are zero account and inactivity fees, no deposit or withdrawal fees on any payment method, a flat EUR 1 stock and ETF trade fee, a broad crypto selection of 650+ assets, and multiple European regulatory authorisations. The main drawbacks are crypto spreads of up to 2.49% on small-cap tokens, no demo account, and limited advanced charting tools on the standard platform.

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Open an account directly with the broker. Confirm current fees and account eligibility on the broker's website before depositing.

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Your capital is at risk. Other fees apply.

Trading fees & commissions

Crypto trading on the standard platform carries a spread of 0.99% to 2.49% depending on the asset; stocks and ETFs cost a flat EUR 1 per trade. Account opening, account management, deposits, withdrawals, and inactivity are all free.

Fees

Item	Fee
Crypto	0.99% spread on stablecoins; 1.49% on major crypto; 2.49% on small-cap tokens
Account	Free to open and maintain
Deposit	Free for all payment methods including SEPA bank transfers and card payments
Inactivity	Free
Withdrawal	Free for fiat bank withdrawals; crypto withdrawals subject to network fees only
Crypto Fusion	0.02%-0.25% volume-based fee on Bitpanda Fusion (advanced trading interface)
Savings Plans	Free for automated recurring investments
Precious Metals	0.5%-2.5% spread depending on metal; weekly storage fee applies

Trading platform & features

Platforms

Bitpanda Platform
Bitpanda Fusion
Web app
iOS app
Android app

Regulation and investor protection

Bitpanda operates through entities authorised by the Austrian FMA, German BaFin, and Maltese MFSA under MiCAR, and holds an investment services licence from the Austrian FMA under MiFID II. UK users are served through an FCA-registered entity, and a VARA licence covers the UAE.

Broker FAQs

Is Bitpanda safe?

Bitpanda holds MiCAR authorisations from the Austrian FMA, German BaFin, and Maltese MFSA, an investment services licence from the FMA under MiFID II, and FCA registration in the UK. The company states that client funds are segregated and that most crypto assets are held in cold storage.

Is Bitpanda a scam?

No. Bitpanda is a regulated European fintech company authorised by the Austrian FMA, German BaFin, and Maltese MFSA, and registered with the UK FCA. It has operated since 2014 and serves over 7 million users.

Is Bitpanda regulated and by whom?

Yes. Bitpanda entities are regulated by the Austrian FMA, German BaFin, Maltese MFSA, and UK FCA, as well as by Dubai's VARA for its UAE operation.

Does Bitpanda keep client funds in segregated accounts?

Bitpanda states that client funds are segregated from company assets. The company also says that the majority of crypto holdings are stored in cold storage.

What happens to my money if Bitpanda goes bankrupt?

Crypto holdings on Bitpanda are not covered by investor compensation schemes such as the Austrian WAG scheme or the UK FSCS. Bitpanda states that client funds are kept separate from company funds, but the practical outcome in an insolvency would depend on applicable national law.

What products does Bitpanda offer?

Bitpanda offers 650+ cryptocurrencies, 10,000+ stocks and ETFs including fractional shares, precious metals, crypto index funds, automated savings plans, staking, and 2x leveraged crypto products for eligible users.

Does Bitpanda offer stocks?

Yes. Bitpanda launched real stock trading in January 2026, offering over 10,000 stocks and ETFs from EUR 1 per trade with no custody fee and fractional share support.

Does Bitpanda offer ETFs?

Yes. ETFs are included in the 10,000+ securities added in January 2026. The flat EUR 1 trade fee and no custody fee apply to ETFs as well as stocks.

Does Bitpanda offer crypto?

Yes. Bitpanda offers over 650 cryptocurrencies, crypto index funds, staking, and a non-custodial DeFi wallet. It is one of the widest crypto selections available on a European regulated platform.

Can I buy fractional shares on Bitpanda?

Yes. Bitpanda supports fractional share investing, allowing users to invest in stocks and ETFs from EUR 1.

What does Bitpanda charge for crypto trades?

The standard Bitpanda Broker platform uses a spread model: approximately 0.99% on stablecoins, 1.49% on major coins like Bitcoin and Ethereum, and up to 2.49% on small-cap tokens. Bitpanda Fusion offers lower rates of 0.02%-0.25% for active traders.

What does Bitpanda charge for stock and ETF trades?

Bitpanda charges a flat EUR 1 fee per stock or ETF trade. There is no custody fee.

Is there a withdrawal fee at Bitpanda?

Fiat withdrawals via bank transfer are free. Crypto withdrawals to external wallets are subject to blockchain network fees but Bitpanda does not add its own withdrawal charge.

Does Bitpanda charge an inactivity fee?

No. Bitpanda does not charge an inactivity fee.

Does Bitpanda charge a deposit fee?

Bitpanda does not charge deposit fees on any payment method, including SEPA bank transfers and card payments.

Does Bitpanda have a demo account?

No. Bitpanda does not offer a demo or paper-trading account.

Does Bitpanda have a mobile app?

Yes. Bitpanda provides iOS and Android apps that cover the full product range including crypto, stocks, ETFs, and savings plans.

Is Bitpanda good for beginners?

Bitpanda is designed with a simple interface, a EUR 1 minimum trade size, free savings plans for automated investing, and Bitpanda Academy educational resources. The absence of a demo account is a limitation for users who want to practise before investing real money.

Is Bitpanda good for long-term investing?

Bitpanda offers stocks, ETFs, fractional shares, crypto, precious metals, and automated savings plans suited to long-term, regular investing. The flat EUR 1 stock trade fee and absence of custody or inactivity charges keep ongoing costs low for buy-and-hold investors.

Bottom line

Bitpanda suits users who want a single regulated European platform covering crypto, stocks, ETFs, and precious metals with a simple interface, low minimum investment, and no account or inactivity fees. It may not suit users who need a demo account, advanced charting tools, access from outside Europe or the UK, or who want lower spread costs on small-cap crypto than the standard 2.49% platform fee.

Bitpanda

European multi-asset beginners

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Your capital is at risk. Other fees apply.