Updated September 29, 2026 · BrokerCue Editorial Team
Bitpanda vs M1
Where Bitpanda and M1 differ
| Compare |  Bitpanda |  M1 |
|---|---|---|
| Minimum deposit | €1 | $0 |
| Stock trade fee | €1 | $0 |
| Markets | Stocks, ETFs, Crypto, MetalsCovers more | Stocks, ETFs, Crypto |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | SIPC |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Margin rate | Not confirmed | 5.9% |
| Deposit and withdrawal fees | Free deposits | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA, Joint |
| Maximum retail leverage | Not confirmed | Up to 50% of portfolio value |
| Interest on cash | Not confirmed | 3.35% |
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Key differences
- Bitpanda scores higher overall: 9.3 vs 9.0.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only M1 offers SIPC.
- Bitpanda is licensed in 2 more countries.
- Markets: only Bitpanda offers Metals.
- Features: only Bitpanda offers 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.
M1
M1 is a low-cost brokerage built for retirement savers and small investors who want shares, ETFs and crypto in a single account. Stock trades run at $0 and it places 1 of 213 brands on minimum deposit, though the managed portfolios want $10,000 to start.
Score breakdown
| Area | Bitpanda | M1 |
|---|---|---|
| Cost | 8.9A minimum deposit of €1 and stock trade fees of €1, with free deposits, sit well against the site medians. | 9.5Higher |
| Offer | 8.7 | 9.0HigherCosts carry the offer: 0% management fee, $0 stock trades and a $0 minimum deposit. |
| Trust | 10.0Higher | 8.6 |
Feature by feature
| Markets | Bitpanda | M1 |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Crypto | Yes | Yes |
| Metals | Yes | No |
Where they rank in our lists
| Ranking | Bitpanda | M1 |
|---|---|---|
| Stock and ETF brokers | 11 of 471 | 145 of 471 |
Every fact side by side
| Fact | Bitpanda | M1 |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo accountCovers more | Crypto, Fractional shares, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Legal entity | Bitpanda GmbH | M1 FINANCE LLC |
| Headquarters | Austria | United States |
| Founded | Not confirmed | 2015 |
| Support channels | Help centre | Help centre |
Robo-advisors
| Fact | Bitpanda | M1 |
|---|---|---|
| Management fee | Not confirmed | 0% |
| Minimum investment | Not confirmed | $10,000 |
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | Bitpanda | M1 | Median |
|---|---|---|---|
| Margin rate | Not confirmed | 5.9%below the median | 8.75% |
| Interest on cash | Not confirmed | 3.35%above the median | 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
M1
Pros
- Placing 1 of 213 brands on minimum deposit, so an account opens without a funding hurdle.
- Placing 1 of 161 brands on stock trade fees, with a stock trade costing $0.
- Uninvested cash earns 3.35%, and Pie portfolios mix etf, cash and crypto.
Cons
- Margin borrowing at 5.9% can cost more over a held position than the $0 trade fee saves.
- Support runs on help centre only, with no phone or live chat listed.
- Managed portfolios want $10,000 to start, well above the $0 brokerage entry point.
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
M1
Who it suits
- Self-directed investors who want to trade shares and ETFs without a per-trade charge.
- Retirement savers, since accounts include ira, roth ira and joint.
- People who want crypto alongside equities in the same account, under stocks, etfs and crypto.
Who should look elsewhere
- Traders who need forex, CFDs or futures, since eToro lists stocks, etfs and forex and M1 stops at stocks, etfs and crypto.
- Readers who want a wider asset list in the same app, because CFI covers stocks, etfs and forex.
- Managed portfolio buyers starting below $10,000, a floor that sits well above the $5 deposit Vantage asks to open an account.
Country by country
| Country | Bitpanda | M1 |
|---|---|---|
| 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.
M1
What does it cost to trade shares at M1?+
Stock trades cost $0 and the account opens with a $0 minimum deposit, so there is no per-trade commission and no funding hurdle. The running cost sits in the spread and in currency conversion when shares priced in dollars are bought. Margin borrowing is charged at 5.9% and is the line most likely to run up a bill.
Is my money protected at M1?+
Protection runs through the scheme listed as SIPC, with cover stated as SIPC up to USD 500,000. It is the only regulator on file, so there is a single scheme to claim against and a single register to check. The membership record reads SIPC member 69670. The stated figure is a ceiling on the payout, not a stand-in for the balance itself.
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