Updated September 29, 2026 · BrokerCue Editorial Team
Bitpanda vs quirion
Where Bitpanda and quirion differ
| Compare |  Bitpanda |  quirion |
|---|---|---|
| Minimum deposit | €1Lower | €25 |
| Markets | Stocks, ETFs, Crypto, Metals | ETFs, Funds |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) |
| Deposit and withdrawal fees | Free deposits | free deposits and withdrawals |
| Stock trade fee | €1 | Not confirmed |
| 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 9.2.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only quirion offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
- Bitpanda is licensed in 2 more countries.
- Minimum deposit is lower at Bitpanda: €1 vs €25.
- Markets: only Bitpanda offers Stocks, Crypto, Metals.
- Markets: only quirion offers Funds.
- Support channels: only quirion offers Email, Chat, Phone.
- Features: only Bitpanda offers Crypto, Fractional shares, 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.
quirion
quirion suits German and European savers who want a ready-made portfolio, with regulation by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and money held under the EU investor compensation scheme. A minimum investment of €0 makes it easy to begin, though the ongoing fee is higher than at some rivals.
Score breakdown
| Area | Bitpanda | quirion |
|---|---|---|
| Cost | 8.9A minimum deposit of €1 and stock trade fees of €1, with free deposits, sit well against the site medians. | 9.4HigherManagement fee of 0.48% with a minimum investment of €0 and no charge on deposits or withdrawals. |
| Offer | 8.7 | 9.2Higher |
| Trust | 10.0Higher | 9.0 |
Choosing between them
Pick Bitpanda if minimum deposit matter most.
Pick quirion if cost and offer matter most.
Availability and regulation
| Country | Bitpanda | quirion |
|---|---|---|
| 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 |
A third option
XTB has minimum deposit at €0, against €1 for Bitpanda and €25 for quirion.
XTB reviewSources behind this comparison
Bitpanda
- bitpanda.com: 8 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
quirion
- quirion.de: 9 facts, checked September 26, 2026
- bafin.de: 2 facts, checked September 26, 2026
How they place
| Ranking | Bitpanda | quirion |
|---|---|---|
| Stock and ETF brokers | 11 of 471 | 102 of 471 |
Every fact side by side
| Fact | Bitpanda | quirion |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo accountCovers more | Mobile app |
| Legal entity | Bitpanda GmbH | quirion AG |
| Headquarters | Austria | Germany |
| Founded | Not confirmed | 2013 |
| Support channels | Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Bitpanda | quirion | Median |
|---|---|---|---|
| Minimum deposit | €1at the median | €25above the median | €1 |
| Stock trade fee | €1at the median | Not confirmed | €1 |
Median across 44 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
quirion
Pros
- Regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), with money held under the EU investor compensation scheme up to the limit that scheme states
- Portfolio types cover etf, esg and cash, so a cash option sits alongside the ETF and ESG portfolios
- Support runs on email, chat and phone, and a mobile app covers the everyday account tasks
Cons
- The management fee of 0.48% is above the robo-advisor median of 0.35%, so the gap grows with the balance
- Investing covers etfs and funds only, so there is nothing here for readers who want to deal in individual shares
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
quirion
Who it suits
- First-time investors who would rather not choose funds and ETFs themselves
- German and European savers who want a regulated provider with a joint account option
- People who want part of their money in a cash portfolio and the rest managed
Who should look elsewhere
- Readers who want to deal in individual shares: quirion covers etfs and funds, so eToro is the closer fit for self-directed trading
- Readers who prefer to commit a larger sum from the start: Axos Invest asks for a minimum investment of $100, against €0 here
Current offers
quirion
Current offer
Bonus
Studierendendepot: 50 EUR bonus for your first ETF portfolio: 50 EUR
For students, campaign runs until 16.11.2026
Source, checked September 26, 2026
Country by country
| Country | Bitpanda | quirion |
|---|---|---|
| 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.
quirion
What does quirion cost?+
The management fee is 0.48%, taken on the portfolio rather than per trade. Deposits and withdrawals carry no charge, and support comes through email, chat and phone. The fee sits above the robo-advisor median of 0.35%, so a large balance costs more than it would at a lower-fee rival.
Is quirion regulated, and what happens to my money if the firm fails?+
quirion is regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), the German financial supervisor, so it operates under supervision rather than as an informal saving scheme. Money with quirion is covered by the EU investor compensation scheme up to the limit that scheme states. That protection concerns the firm failing, not the market moving against a portfolio.
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