Updated September 29, 2026 · BrokerCue Editorial Team
Bitpanda vs Trading 212
Bitpanda vs Trading 212: the differences
| Compare |  Bitpanda | Trading 212 ReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | €1 | £1 |
| Stock trade fee | €1 | £0 |
| Markets | Stocks, ETFs, Crypto, Metals | Stocks, ETFs, Forex, CFDs |
| 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, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC) |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account fee | Not confirmed | £0 |
| Inactivity fee | Not confirmed | £0 |
| Deposit and withdrawal fees | Free deposits | Not confirmed |
| Platforms | Not confirmed | Trading 212 App, Web Platform |
| Account types | Not confirmed | ISA, SIPP, Joint |
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Key differences
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only Trading 212 offers Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC).
- Bitpanda is licensed in 1 more country.
- Markets: only Bitpanda offers Crypto, Metals.
- Markets: only Trading 212 offers Forex, CFDs.
- Features: only Bitpanda offers Crypto.
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.
Trading 212
Trading 212 suits UK and European beginners who want flat costs: a stock trade fee of £0, an account fee of £0 and an ISA, SIPP and joint account. Forex and CFDs share the same menu, so the easy entry is the reason to look closer, not to trade heavily.
Score breakdown
| Area | Bitpanda | Trading 212 |
|---|---|---|
| Cost | 8.9A minimum deposit of €1 and stock trade fees of €1, with free deposits, sit well against the site medians. | 9.3HigherCharges sit at the floor: £0 on a trade, £0 on the account, £0 when idle. |
| Offer | 8.7 | 9.2Higher |
| Trust | 10.0Higher | 9.5 |
Positions in our rankings
| Ranking | Bitpanda | Trading 212 |
|---|---|---|
| Stock and ETF brokers | 11 of 471 | 83 of 471 |
Licences and countries
| Country | Bitpanda | Trading 212 |
|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) MiCA CASP 5493007WZ7IFULIL8G21 AT_FMA PSD_EMI AT_FMA_54966 | Not confirmed |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 21380045KC28948FNE32 |
| 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 |
Pick Bitpanda if, pick Trading 212 if
Pick Bitpanda if trust matter most.
Pick Trading 212 if cost and offer matter most.
What we checked
Bitpanda
- bitpanda.com: 8 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Trading 212
- en.wikipedia.org: 13 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Bitpanda | Trading 212 |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo accountCovers more | Fractional shares, Demo account, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | Bitpanda GmbH | Trading 212 Markets Ltd |
| Headquarters | Austria | Cyprus |
| Founded | Not confirmed | 2006 |
| Support channels | Help centre | Not confirmed |
Where each stands against the rest
| Fact | Bitpanda | Trading 212 | Median |
|---|---|---|---|
| Account fee | Not confirmed | £0at the median | £0 |
Median across 13 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
Trading 212
Pros
- Nothing to pay for holding or for going quiet: the account fee reads £0 and the inactivity fee reads £0.
- Trading shares costs £0, the same stock trade fee eToro lists at $0, so the trade price is not the reason to move.
- The entry of £1 sits under the $5 Vantage asks for, which matters for a first transfer.
Cons
- The market list pairs shares and ETFs with forex and CFDs in stocks, etfs and forex, so a platform aimed at beginners, beginners, also carries leveraged products.
- The fee sheet is the easy part: retail accounts lose money at 70.15% across the brokers compared, and a £0 trade cost does not remove that risk.
- The money side runs through Trading 212 Markets Ltd in Cyprus, registered with the Cyprus Securities and Exchange Commission as MiCA CASP 21380045KC28948FNE32, so a UK saver is dealing with a Cyprus entity alongside the UK one.
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
Trading 212
Who it suits
- Beginners and small regular investors who want a low bar to entry, since the minimum deposit is £1 and the app and demo account in fractional shares, demo account and mobile app support a cautious start.
- UK and European savers who care about holding cost, because the account fee of £0 and the inactivity fee of £0 leave the account free to sit and free to open.
- Savers who want a tax-wrapped and shared holding together, since isa, sipp and joint covers an ISA, a SIPP and a joint account under one provider.
Who should look elsewhere
- Not for forex and CFD traders who want a deeper market list: Trading 212 stops at stocks, etfs and forex, while eToro and Vantage cover more of the leveraged side.
- Not for anyone who needs a no-cost opening: CFI takes a minimum deposit of $0 against the £1 asked here.
- Not for savers who want a bigger spread of wrappers: the account range is listed as isa, sipp and joint, which does not stretch to every tax-sheltered account type.
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.
Trading 212
What is the minimum deposit to open a Trading 212 account?+
The published minimum deposit is £1, low enough to open and fund in one step. That entry sits under the €4.64 level seen across the brokers compared here, and under the $5 Vantage asks for, so a small first transfer is enough to get going.
Does Trading 212 charge for keeping an account open or leaving it idle?+
The account fee reads £0 and the inactivity fee reads £0, so neither holding the account nor letting it sit dormant is billed on the published sheet. The €10 inactivity level across the brokers compared sits well above that floor, which is where dormant-account charges usually show up.
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