Updated September 29, 2026 · BrokerCue Editorial Team
Bitpanda vs Capital.com
What sets them apart
| Compare |  Bitpanda |  Capital.com |
|---|---|---|
| Minimum deposit | €1 | £20 |
| Stock trade fee | €1 | $0 |
| Markets | Stocks, ETFs, Crypto, Metals | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread betting |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | FCA, Cyprus Securities and Exchange Commission (CySEC) |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Deposit and withdrawal fees | Free deposits | Free deposits and withdrawals |
| Account fee | Not confirmed | £0 |
| Inactivity fee | Not confirmed | £0 |
| Retail accounts that lose money | Not confirmed | 65% |
| Platforms | Not confirmed | Web platform, Mobile app, MT4, TradingView |
| Maximum retail leverage | Not confirmed | 1:30 |
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Key differences
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only Capital.com offers FCA, Cyprus Securities and Exchange Commission (CySEC).
- Bitpanda is licensed in 1 more country.
- Markets: only Bitpanda offers Metals.
- Markets: only Capital.com offers Forex, CFDs, Bonds.
- Support channels: only Capital.com offers Chat.
- Features: only Bitpanda offers Crypto, Fractional shares.
Our verdict on each
Bitpanda
Bitpanda suits retail investors in Europe who want one app for shares, ETFs, crypto and metals, starting from a minimum deposit of €1. Regulated in Austria, Germany and Malta, it charges €1 for a stock trade, a per-trade cost active traders will notice.
Capital.com
Capital.com suits traders who want one account across shares, forex, CFDs, crypto and bonds without a monthly or inactivity charge. UK clients sit under FCA regulation with FSCS protection of FSCS up to GBP 85,000. The minimum deposit of £20 is the only cost barrier, above CFI at $0.
Score breakdown
| Area | Bitpanda | Capital.com |
|---|---|---|
| Cost | 8.9A minimum deposit of €1 and stock trade fees of €1, with free deposits, sit well against the site medians. | 9.2HigherAccount fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. |
| Offer | 8.7 | 9.5Higher |
| Trust | 10.0Higher | 9.1 |
Where each is licensed and available
| Country | Bitpanda | Capital.com |
|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) MiCA CASP 5493007WZ7IFULIL8G21 AT_FMA PSD_EMI AT_FMA_54966 | Not confirmed |
| Cyprus | Not confirmed | CySEC HE 354252 Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 984500C46B3B7B69Y904 |
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 9845005X9B7N610K0093 | Not confirmed |
| Malta | Malta Financial Services Authority (MFSA) MiCA CASP 984500DEID7B03J77118 | Not confirmed |
| United Kingdom | Not confirmed | FCA 793714 |
What each covers
| Markets | Bitpanda | Capital.com |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | Yes | Yes |
| Bonds | No | Yes |
| Metals | Yes | No |
| Spread betting | No | Yes |
Choosing between them
Pick Bitpanda if trust matter most.
Pick Capital.com if cost and offer matter most.
Sources behind this comparison
Bitpanda
- bitpanda.com: 8 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Capital.com
- capital.com: 5 facts, checked September 26, 2026
- investingreviews.co.uk: 4 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- forexrev.com: 2 facts, checked September 26, 2026
- sashares.co.za: 2 facts, checked September 26, 2026
How they place
| Ranking | Bitpanda | Capital.com |
|---|---|---|
| Stock and ETF brokers | 11 of 471 | 65 of 471 |
Every fact side by side
| Fact | Bitpanda | Capital.com |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo accountCovers more | Demo account, Mobile app |
| Pricing model | Not confirmed | Commission free, Low fees |
| Legal entity | Bitpanda GmbH | CAPITAL VAULT LTD |
| Headquarters | Austria | Cyprus |
| Founded | Not confirmed | 2016 |
| Support channels | Help centre | Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Bitpanda | Capital.com | Median |
|---|---|---|---|
| Account fee | Not confirmed | £0at the median | £0 |
| Retail accounts that lose money | Not confirmed | 65%lowest quarter | 72.05% |
Median across 47 listed brokers.
Pros and cons
Bitpanda
Pros
- The minimum deposit is €1, low against the site median of €4.64
- A stock trade costs €1 and deposits are free
- Regulated by the FMA, BaFin and the MFSA, with investor protection stated as EU ICS up to EUR 20,000
Cons
- Stock trade fees of €1 are higher than a commission-free model, where eToro charges $0
- Support runs on help centre only
- A flat stock trade fee of €1 does not suit frequent small trades
Capital.com
Pros
- No account fee at all, which puts it joint first on that measure in our data (£0).
- No inactivity charge, also joint first in our data, so an unused balance is not quietly billed (£0).
- Stock trades cost $0 under a commission-free model.
Cons
- The minimum deposit of £20 is far higher than CFI, which asks for $0.
- Support runs on chat and help centre, so there is no phone line for questions about a leveraged position.
- Retail accounts lose 65% of money, and the market is open around the clock.
Who each suits
Bitpanda
Who it suits
- Beginners building a first portfolio in euro amounts
- Investors who want shares and crypto in one app
- Retail investors who value a low deposit of €1
Who should look elsewhere
- Active traders, since eToro charges $0 on a stock trade
- Anyone wanting phone or live chat help, as support runs on help centre
- Anyone wanting to start without funding, since CFI asks for a minimum deposit of $0 against €1 here
Capital.com
Who it suits
- Traders who want shares, forex, CFDs, crypto and bonds in one account
- UK residents who want FSCS protection alongside a CySEC regulated entity
- People who keep a balance and would otherwise pay inactivity fees
Who should look elsewhere
- eToro, if you want a social platform with copy trading
- Vantage, if you would rather start from a smaller deposit of $5
Questions about each
Bitpanda
What is the minimum deposit at Bitpanda?+
The minimum deposit is €1, below the site median of €4.64, and Bitpanda ranks at 75 of 213 brands on that measure. Money can also be added at no charge, since deposits are free.
How much does it cost to trade shares?+
A stock trade costs €1. That sits above a commission-free model, where eToro charges $0, and Bitpanda ranks at 116 of 161 brands on stock trade fees, so the cost per order is the figure to weigh.
Capital.com
What is the minimum deposit at Capital.com?+
The minimum deposit is £20 in the UK. That is higher than CFI at $0 and Vantage at $5. Clients who want a smaller opening balance may prefer a rival on that measure.
What does it cost to open and hold an account?+
There is no account fee, so the account costs £0. There is also no inactivity charge, at £0. Both rank the brand joint first on our data, so an unused balance is not billed.
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