Updated September 29, 2026 · BrokerCue Editorial Team
Bitpanda vs flatex Online-Broker (DE)
What sets them apart
| Compare |  Bitpanda |  flatex Online-Broker (DE) |
|---|---|---|
| Stock trade fee | €1Lower | €5.90 |
| Markets | Stocks, ETFs, Crypto, Metals | Stocks, ETFs, Forex, CFDs, Options, Crypto, Bonds, Funds, MetalsCovers more |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMACovers more | BaFin |
| Deposit and withdrawal fees | Free deposits | Free |
| Minimum deposit | €1 | Not confirmed |
| Account fee | Not confirmed | €0 |
| Currency conversion fee | Not confirmed | 0.4% |
| Platforms | Not confirmed | Web, Mobile |
| Account types | Not confirmed | Joint |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Bitpanda scores higher overall: 9.3 vs 8.8.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Bitpanda is licensed in 2 more countries.
- Stock trade fee is lower at Bitpanda: €1 vs €5.90.
- Markets: only flatex Online-Broker (DE) offers Forex, CFDs, Options.
- Support channels: only flatex Online-Broker (DE) offers Email, Phone.
- Features: only Bitpanda offers 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.
flatex Online-Broker (DE)
flatex suits investors who prefer a flat fee per trade and no account charge. A stock trade costs €5.90, the account fee is €0 and deposits and withdrawals are free, so holding an account costs nothing beyond each order placed.
Score breakdown
| Area | Bitpanda | flatex Online-Broker (DE) |
|---|---|---|
| Cost | 8.9HigherA minimum deposit of €1 and stock trade fees of €1, with free deposits, sit well against the site medians. | 8.8Account fee of €0, a flat €5.90 per stock trade and free deposits. |
| Offer | 8.7 | 9.2Higher |
| Trust | 10.0Higher | 8.6 |
Licences and countries
| Country | Bitpanda | flatex Online-Broker (DE) |
|---|---|---|
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 9845005X9B7N610K0093 | |
| Austria | Austrian Financial Market Authority (FMA) MiCA CASP 5493007WZ7IFULIL8G21 AT_FMA PSD_EMI AT_FMA_54966 | Not confirmed |
| Malta | Malta Financial Services Authority (MFSA) MiCA CASP 984500DEID7B03J77118 | Not confirmed |
How they place
| Ranking | Bitpanda | flatex Online-Broker (DE) |
|---|---|---|
| Stock and ETF brokers | 11 of 471 | 178 of 471 |
Every fact side by side
| Fact | Bitpanda | flatex Online-Broker (DE) |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo accountCovers more | Crypto, Demo account, Mobile app |
| Pricing model | Not confirmed | Low fees |
| Legal entity | Bitpanda GmbH | flatexDEGIRO SE |
| Headquarters | Austria | Germany |
| Support channels | Help centre | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Bitpanda | flatex Online-Broker (DE) | Median |
|---|---|---|---|
| Minimum deposit | €1at the median | Not confirmed | €1 |
| Stock trade fee | €1at the median | €5.90highest quarter | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| Currency conversion fee | Not confirmed | 0.4%below the median | 0.45% |
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
flatex Online-Broker (DE)
Pros
- No account fee: €0 on the standard account.
- Deposits and withdrawals are free: free.
- A flat stock trade fee of €5.90 rather than a percentage, with currency exchange at 0.4%.
Cons
- The stock trade fee of €5.90 is higher than most rivals, where the site median is €0.
- Only a joint account type is listed in joint, so there is no ISA or SIPP wrapper for UK investors.
- Support runs on email, phone and help centre only, with no live chat listed.
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
flatex Online-Broker (DE)
Who it suits
- Investors in Germany who want a flat fee per trade and no account charge
- Long-term stock, ETF, fund and bond holders rather than active traders
- Anyone who needs crypto, forex, CFDs and options under the same account
Who should look elsewhere
- Day traders, who pay €5.90 on every small order where eToro charges $0
- UK investors after an ISA or SIPP wrapper, since joint lists a joint account only
Current offers
flatex Online-Broker (DE)
Current offer
Bonus
20 commission-free trades on account opening: 20 trades
upon account opening
Source, checked September 26, 2026
Country by country
| Country | Bitpanda | flatex Online-Broker (DE) |
|---|---|---|
| Germany | 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.
flatex Online-Broker (DE)
What does it cost to trade a stock at flatex?+
A stock trade costs €5.90 per order, the same flat rate on every trade size. There is no account fee, at €0, so holding an account adds nothing to the bill. For comparison, the typical broker charges €0 per stock trade.
Is there any account or inactivity fee?+
The account fee is €0, so there is nothing to pay for holding the account open. No separate inactivity charge appears in the available details. Across the brokers listed, the highest account fee reaches €219.24.
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