Updated September 29, 2026 · BrokerCue Editorial Team
Bitpanda vs Public
Where Bitpanda and Public differ
| Compare |  Bitpanda |  Public |
|---|---|---|
| Minimum deposit | €1 | $0 |
| Stock trade fee | €1 | $0 |
| Markets | Stocks, ETFs, Crypto, Metals | Stocks, ETFs, Crypto, Options, Bonds |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | FINRA, SEC |
| Investor protection | EU ICS up to EUR 20,000 | SIPC up to USD 500,000 |
| Margin rate | Not confirmed | 4.2% |
| Options contract fee | Not confirmed | $0.060 to $0.18 |
| Deposit and withdrawal fees | Free deposits | Not confirmed |
| Account types | Not confirmed | IRA, Roth IRA |
| Interest on cash | Not confirmed | 3.3% |
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Key differences
- Public scores higher overall: 9.4 vs 9.3.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only Public offers FINRA, SEC.
- Bitpanda is licensed in 2 more countries.
- Markets: only Bitpanda offers Metals.
- Markets: only Public offers Options, Bonds.
- Support channels: only Public offers Email.
- Features: only Bitpanda offers Demo account.
- Features: only Public offers Options.
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.
Public
Public suits people building a retirement account who care most about what a trade costs and where the money sits. Stock trades are $0, the account opens from $0, and protection runs to SIPC up to USD 500,000 in the US.
Score breakdown
| Area | Bitpanda | Public |
|---|---|---|
| Cost | 8.9A minimum deposit of €1 and stock trade fees of €1, with free deposits, sit well against the site medians. | 9.6HigherStock trades cost $0, options contracts run $0.06 to $0.18 and margin borrowing starts at 4.2%. |
| Offer | 8.7 | 9.2HigherA ira and roth ira account covers stocks, etfs and crypto plus a mobile app and fractional shares. |
| Trust | 10.0Higher | 9.5 |
Where they rank in our lists
| Ranking | Bitpanda | Public |
|---|---|---|
| Stock and ETF brokers | 11 of 471 | 58 of 471 |
Side by side, item by item
| Markets | Bitpanda | Public |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Options | No | Yes |
| Crypto | Yes | Yes |
| Bonds | No | Yes |
| Metals | Yes | No |
Pick Bitpanda if, pick Public if
Pick Bitpanda if trust matter most.
Pick Public if cost and offer matter most.
Where each is licensed and available
| Country | Bitpanda | Public |
|---|---|---|
| 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 |
Sources behind this comparison
Bitpanda
- bitpanda.com: 8 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Public
- public.com: 11 facts, checked September 26, 2026
- brokercheck.finra.org: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Bitpanda | Public |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo account | Crypto, Fractional shares, Options, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Legal entity | Bitpanda GmbH | Open to the Public Investing, Inc. |
| Headquarters | Austria | Not confirmed |
| Support channels | Help centre | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Bitpanda | Public | Median |
|---|---|---|---|
| Margin rate | Not confirmed | 4.2%lowest quarter | 8.75% |
| Options contract fee | Not confirmed | $0.060 to $0.18lowest quarter | $0.625 |
| Interest on cash | Not confirmed | 3.3%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
Public
Pros
- Stock trades cost $0, so a regular monthly purchase is not eaten by commission.
- The account opens from $0, which is below the €4.64 typical minimum across the brokers on our data.
- Cash parked in the high-yield account earns 3.3% while it waits to be invested.
Cons
- Options contracts add a fee of $0.06 to $0.18 each, on top of the premium you pay for the option itself.
- Margin borrowing runs at 4.2%, so borrowed positions carry an interest charge that keeps accruing.
- Support runs on email and help centre only, so there is no phone line for questions about a transfer or a tax form.
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
Public
Who it suits
- You are saving for retirement in the US and want commission-free stock trades in one account
- You want to hold spare cash at a stated rate while you decide what to buy
- You are starting with small amounts and want fractional shares rather than whole shares
Who should look elsewhere
- You need forex, CFDs or futures, which CFI and eToro both list in stocks, etfs and forex and stocks, etfs and forex
- You want a UK ISA or SIPP wrapper, neither of which appears in ira and roth ira
- You want to talk to a broker on the phone, since support covers email and help centre
Current offers
Public
Current offer
Bonus
Transfer your portfolio. Earn an uncapped 1% match.: 1% match
Source, checked September 26, 2026
Country by country
| Country | Bitpanda | Public |
|---|---|---|
| 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.
Public
Is Public really commission free for stock trades?+
Yes. A stock trade costs $0, so buying shares itself carries no charge. The costs sit elsewhere: options contracts cost $0.06 to $0.18 each, and margin borrowing runs at 4.2%. A simple monthly share purchase only pays the trade charge of $0.
What is the minimum deposit at Public?+
The minimum deposit is $0, so an account can be opened and funded from a very small amount. That is well under the €4.64 typical minimum across the brokers on our data, where the upper quartile sits at €87.70. No threshold has to be cleared before the first trade.
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