Updated September 29, 2026 · BrokerCue Editorial Team
Bitpanda vs InvestEngine
What sets them apart
| Compare |  Bitpanda |  InvestEngine |
|---|---|---|
| Minimum deposit | €1 | £100 |
| Stock trade fee | €1 | £0 |
| Markets | Stocks, ETFs, Crypto, MetalsCovers more | ETFs |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | Financial Conduct Authority (FCA) |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Deposit and withdrawal fees | Free deposits | Free |
| Account fee | Not confirmed | £0 |
| Platforms | Not confirmed | Web, iOS, Android |
| Account types | Not confirmed | ISA, SIPP, Corporate |
| Interest on cash | Not confirmed | 0% |
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Key differences
- Bitpanda scores higher overall: 9.3 vs 8.7.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only InvestEngine offers Financial Conduct Authority (FCA).
- Bitpanda is licensed in 2 more countries.
- Markets: only Bitpanda offers Stocks, Crypto, Metals.
- Support channels: only InvestEngine offers Email.
- Features: only Bitpanda offers Crypto, Demo account.
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.
InvestEngine
InvestEngine suits beginners who want their money spread across ETFs without picking shares themselves. Costs stay thin: an account fee of £0, a stock trade fee of £0 and a single portfolio management charge of 0.25%, with deposits and withdrawals free.
Score breakdown
| Area | Bitpanda | InvestEngine |
|---|---|---|
| Cost | 8.9A minimum deposit of €1 and stock trade fees of €1, with free deposits, sit well against the site medians. | 9.0Higher |
| Offer | 8.7 | 8.8HigherThe isa, sipp and corporate account range wraps one ETF plan for savers and firms alike. |
| Trust | 10.0Higher | 8.4 |
What each covers
| Markets | Bitpanda | InvestEngine |
|---|---|---|
| Stocks | Yes | No |
| ETFs | Yes | Yes |
| Crypto | Yes | No |
| Metals | Yes | No |
Licences and countries
| Country | Bitpanda | InvestEngine |
|---|---|---|
| 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 Kingdom | Not confirmed |
How they place
| Ranking | Bitpanda | InvestEngine |
|---|---|---|
| Stock and ETF brokers | 11 of 471 | 195 of 471 |
Every fact side by side
| Fact | Bitpanda | InvestEngine |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo accountCovers more | Fractional shares, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | Bitpanda GmbH | InvestEngine (UK) Limited |
| Headquarters | Austria | United Kingdom |
| Founded | Not confirmed | 2019 |
| Support channels | Help centre | Email, Help centreCovers more |
Robo-advisors
| Fact | Bitpanda | InvestEngine |
|---|---|---|
| Management fee | Not confirmed | 0.25% |
| Minimum investment | Not confirmed | £1 |
| Portfolio types | Not confirmed | ETF |
Where each stands against the rest
| Fact | Bitpanda | InvestEngine | Median |
|---|---|---|---|
| Account fee | Not confirmed | £0at the median | £0 |
| Interest on cash | Not confirmed | 0%lowest quarter | 3% |
Median across 43 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
InvestEngine
Pros
- An account fee of £0 and a stock trade fee of £0 leave almost nothing to pay for holding or trading.
- Investor protection is FSCS up to GBP 85,000, with the platform regulated by the Financial Conduct Authority.
- The platform list covers Web, iOS and Android, and fractional shares make small regular buys work.
Cons
- Shares are not among its markets (etfs), so the range stays on funds rather than a general dealing list.
- Support runs on email and help centre, with no phone number for urgent account questions.
- Cash waiting to be invested earns 0%.
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
InvestEngine
Who it suits
- Beginners who want a curated portfolio and can start from a minimum investment of £1.
- ISA and SIPP holders in the UK who would rather not pay an account fee.
- Investors who only need help by email and are happy to stay inside a single asset class.
Who should look elsewhere
- CFI, for anyone who wants to open with a minimum deposit of $0 rather than £100.
- Vantage, for anyone who wants a smaller entry point, since its minimum deposit is $5.
- eToro, for traders who want share dealing, because shares are not among its markets (etfs).
Country by country
| Country | Bitpanda | InvestEngine |
|---|---|---|
| United Kingdom | 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.
InvestEngine
What does it cost to hold an InvestEngine account?+
The account fee is £0 and a stock trade costs £0, so buying and holding leaves most of the pot intact. The only ongoing charge is the portfolio management fee of 0.25%, which is taken on the portfolio rather than per trade. Cash left uninvested earns 0%.
Is my money protected if the platform fails?+
The Financial Conduct Authority is the regulator named on the licence, and the platform states investor protection of FSCS up to GBP 85,000. The account is run by InvestEngine (UK) Limited, a UK company, so UK rules and the protection scheme both apply to the account.
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