Updated September 29, 2026 · BrokerCue Editorial Team
Bitpanda vs Fidelity
Where Bitpanda and Fidelity differ
| Compare |  Bitpanda |  Fidelity |
|---|---|---|
| Minimum deposit | €1 | $0 |
| Stock trade fee | €1 | $0 |
| Markets | Stocks, ETFs, Crypto, Metals | Stocks, ETFs, Options, Bonds, Funds, Futures, Forex |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | SEC, FINRA, SIPC |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Account fee | Not confirmed | $0 |
| Inactivity fee | Not confirmed | $0 |
| Margin rate | Not confirmed | 12.375% |
| Options contract fee | Not confirmed | $0.65 |
| Deposit and withdrawal fees | Free deposits | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA, Joint |
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Key differences
- Fidelity scores higher overall: 9.5 vs 9.3.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Bitpanda is licensed in 2 more countries.
- Markets: only Bitpanda offers Crypto, Metals.
- Markets: only Fidelity offers Options, Bonds, Funds.
- Support channels: only Bitpanda offers Help centre.
- Support channels: only Fidelity offers Phone, Community.
- Features: only Fidelity offers Options, Futures.
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.
Fidelity
Fidelity is a US brokerage that suits investors who want to hold and trade without a standing charge: its minimum deposit, account fee and inactivity fee all sit at $0, $0 and $0. Stock dealing is commission-free, with SIPC protection recorded as SIPC up to USD 500,000.
Score breakdown
| Area | Bitpanda | Fidelity |
|---|---|---|
| Cost | 8.9A minimum deposit of €1 and stock trade fees of €1, with free deposits, sit well against the site medians. | 9.1HigherSite ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. |
| Offer | 8.7 | 9.5Higher |
| Trust | 10.0Higher | 9.8 |
Where each is licensed and available
| Country | Bitpanda | Fidelity |
|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) MiCA CASP 5493007WZ7IFULIL8G21 AT_FMA PSD_EMI AT_FMA_54966 | Not confirmed |
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 9845005X9B7N610K0093 | Not confirmed |
| Malta | Malta Financial Services Authority (MFSA) MiCA CASP 984500DEID7B03J77118 | Not confirmed |
| United States | Not confirmed | SIPC SIPC member 23292 |
How they place
| Ranking | Bitpanda | Fidelity |
|---|---|---|
| Stock and ETF brokers | 11 of 471 | 46 of 471 |
Every fact side by side
| Fact | Bitpanda | Fidelity |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo account | Fractional shares, Demo account, Mobile app, Crypto, Options, FuturesCovers more |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners, Experienced |
| Legal entity | Bitpanda GmbH | FIDELITY BROKERAGE SERVICES LLC |
| Headquarters | Austria | United States |
| Founded | Not confirmed | 1946 |
| Support channels | Help centre | Phone, Community |
Robo-advisors
| Fact | Bitpanda | Fidelity |
|---|---|---|
| Portfolio types | Not confirmed | ETF, ESG, Crypto |
Where each stands against the rest
| Fact | Bitpanda | Fidelity | Median |
|---|---|---|---|
| Account fee | Not confirmed | $0at the median | $0 |
| Inactivity fee | Not confirmed | $0at the median | $0 |
| Margin rate | Not confirmed | 12.375%highest quarter | 8.75% |
| Options contract fee | Not confirmed | $0.65above the median | $0.625 |
Median across 52 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
Fidelity
Pros
- Costs sit at the floor: stock trade fee $0, account fee $0, inactivity fee $0 and minimum deposit $0
- The client entity is listed on the SIPC register as SIPC member 23292, with protection recorded at SIPC up to USD 500,000
- Account types cover retirement and shared holdings: ira, roth ira and joint
Cons
- Support runs on phone and community only, so that list carries no chat or email channel
- Options contracts cost $0.65 each, the main charge where stock dealing is free
- Margin borrowing is priced at 12.375%, a cost on top of the free equity dealing
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
Fidelity
Who it suits
- Retirement savers, since ira, roth ira and joint are all listed as account types
- Buyers investing small amounts, as fractional shares sit in fractional shares, demo account and mobile app
- Traders who want stocks, bonds, funds, options, futures and forex in one place, as stocks, etfs and options shows
Who should look elsewhere
- Traders who want CFDs, since stocks, etfs and options leaves them out and CFI lists stocks, etfs and forex
- Anyone who prefers a required opening deposit, since $0 sets none where Vantage asks $5
Country by country
| Country | Bitpanda | Fidelity |
|---|---|---|
| United States | No | Yes |
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.
Fidelity
What does it cost to trade stocks at Fidelity?+
Stock dealing is commission-free, with a stock trade fee of $0. The account fee is $0 and the minimum deposit is $0, so there is no standing charge to hold the account. Options contracts are the exception, at $0.65 each.
Is there an inactivity fee if I stop trading?+
The inactivity fee is $0, so an idle account is not charged for sitting still. On the site it ranks 1 of 56 brands measured for that fee. With the account fee at $0, a dormant account carries no listed running cost.
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