Bitpanda review 2026

Trading platform

Bitpanda offers two main platforms: the standard Bitpanda platform (ideal for beginners) and Bitpanda Fusion (geared towards experienced traders).

Standard platform

As soon as you log in, you will face this dashboard:

The interface is intuitive, which makes it an easy-to-understand portfolio overview. All the essential features like “Trade”, “Deposit”, or “Send” are readily available at first sight.

Once you search for a specific coin, Solana in our example, you can quickly see the “buy/sell” buttons, the amount you own (if that’s the case) and the performance of the cryptocurrency in the last 24h:

The mobile app for iOS and Android mirrors the platform’s simplicity, enabling trading on the go. Main features:

• Instant trade: Swift trades, but at a slightly higher spread.
• Savings plans: Set up recurring buys in any supported asset.
• Price alerts: Push notifications for specific price thresholds.
• Bitpanda card integration: Manage spending limits and track transactions directly.

Bitpanda Fusion

What sets Bitpanda Fusion apart from the standard platform is the following:

• Advanced charting tools: Real-time charting, indicators, and technical analysis features.
• Order types: Market, limit, and stop-limit orders (OTC trades may be offered for large volume).
• Lower fees and spreads: Competitive pricing for active traders and higher-volume trades.
• API access: Custom trading bots or algorithmic strategies can be integrated.

Overall, the platforms complement each other: beginners typically start on the standard Bitpanda environment, while advanced traders and institutional investors often opt for Bitpanda Fusion (previously known as “Bitpanda Pro”).

Products and markets

Bitpanda’s diversified product lineup covers multiple asset classes:

• Crypto: more than 650 crypto assets, including top coins (BTC, ETH, SOL).
• Stocks and ETFs: more than 10,000, offered as derivatives (Bitpanda Stocks), with fractional amounts from €1.
• Precious metals: Gold, silver, palladium, and platinum, enabling users to diversify into hard assets.
• Crypto indices & savings plans: Automated or recurring investments to help build long-term portfolios with minimal effort.
• Commodities: oil, natural gas, aluminium, wheat and more.

Please note that for stocks, ETFs, and commodities, you are investing in an over-the-counter (OTC) derivative that does not give you real asset ownership.

Bitpanda also offers leveraged products (2x long and 1x short) and margin trading with up to 10x leverage on crypto and up to 20x on stocks and ETFs:

These leveraged products are derivatives: you gain exposure to the price movements of an asset without owning it, and losses are magnified. Find out more in our article on CFDs vs Shares.

The same can be said about their Stocks and ETFs. These products are offered as “Bitpanda Stocks”, which are derivative agreements that allow you to participate in the price movements of certain underlying financial instruments (e.g. stocks or Exchange Traded Funds). Bitpanda Stocks cannot be traded on stock exchanges or other trading venues.

So, you do not have real asset ownership of your stocks and ETFs investment. As an example, search for “Apple”, go to the “Details” section and select “View legal documents”:

Then, scroll down and select “Key information document”, you will notice that you are investing in an over-the-counter (OTC) derivative and not a real share of Apple:

Fees

Bitpanda employs a transparent fee structure, though costs can vary between the standard platform and Bitpanda Fusion.

Standard platform fees

• Cryptocurrencies: typically around 0.99%, but the effective spread may be higher during periods of market volatility. The exact fee is shown in the trade summary before each trade and ranges from 0.00% to 2.49%.

• Stock and ETF trades: €1 per trade, plus spreads.
• Metal Trades: Fees around 0.5% to 2.50% depending on the specific metal and market conditions.
• Gold: a premium of 0.5% when you buy and 1% when you sell.
• Silver: a premium of 2.5% for buying and 2% for selling.
• Platinum: a premium of 2.5% for buying and 2% for selling.
• Palladium: a premium of 2.2% for buying and 1.8% for selling.

Bitpanda Fusion fees

• Maker/taker model: Lower trading fees for “makers” (limit orders that add liquidity) and slightly higher for “takers” (market orders that remove liquidity).
• Volume-based discounts: Traders with high monthly volumes enjoy reduced fees, sometimes below 0.1%.

As Bitpanda explains in this article, it also earns money through spreads, the difference between the purchase price (ask) and sell price (bid) of an asset. The spread is also based on the market conditions of the underlying asset and can change during the day. Influencing factors include the liquidity of the underlying stock or ETF, as well as the time of day or the volatility of the underlying stock or ETF.

Safety and regulation

Is Bitpanda safe? Bitpanda is licensed by the Austrian Financial Market Authority (FMA) and Germany’s BaFin. In 2025 it obtained licences under MiCA in Germany, Austria and Malta, and in February 2025 the UK’s Financial Conduct Authority (FCA) approved it to operate as a crypto asset firm in the UK.

The group also holds licences under MiFID II (the EU’s Markets in Financial Instruments Directive) and as an e-money institution, and Bitpanda says it holds crypto in offline wallets and is ISO 27001 certified.

Nonetheless, the derivative products are not covered by an investor compensation scheme. Bitpanda is the sole counterparty to claims arising from its OTC (over-the-counter) products, so if it could not meet its obligations, for example in insolvency, you could lose up to your whole investment.

Supported countries

These are the supported countries:

• Åland Islands
• Andorra
• Austria
• Belgium
• Bulgaria
• Croatia
• Cyprus
• Czech Republic
• Denmark
• Estonia
• Faroe Islands
• Finland
• France
• Germany
• Greece
• Greenland
• Guernesey
• Holy See (Vatican City State)
• Hungary
• Iceland
• Ireland
• Isle of Man
• Italy
• Jersey
• Latvia
• Liechtenstein
• Lithuania
• Luxembourg
• Malta
• Monaco
• Norway
• Poland
• Portugal
• Réunion
• Romania
• San Marino
• Serbia
• Slovakia
• Slovenia
• Spain
• Svalbard and Jan Mayen
• Sweden
• Switzerland
• Turkey
• Turkish Republic of Northern Cyprus
• United Arab Emirates

Since February 2025, UK residents can also open an account, but only for crypto products: more than 500 cryptocurrencies, staking, savings plans and crypto indices.

Users residing in Switzerland are unable to invest in ETFs.

Account opening

Opening an account is simple. First, you need to click “Sign-up” on the homepage:

Second, you just need to follow the steps presented here:

This includes verifying your identity (video or photo-based ID verification), which typically takes a few minutes.

After doing it, you just need to wait up to 30 minutes to get fully verified and start investing. In my case, it only took around 5 minutes.

Alternatives to Bitpanda

At Investing in the Web, we analyse over 100 investment platforms, and here are some valid alternatives to Bitpanda:

• eToro: a multi-asset platform with more than 4 million funded accounts, where you can buy crypto for a 1% fee, plus real stocks ($1 or $2 per trade) and commission-free ETFs. The minimum deposit varies by country, from $50 in most of Europe. eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
• Coinbase: a Nasdaq-listed US crypto exchange founded in 2012, with a wide range of cryptocurrencies and an advanced trading platform.

Bottom line

Bitpanda has evolved from a primarily crypto-focused exchange to an all-in-one multi-asset broker, catering to diverse investor profiles.

Please note that its stocks, ETFs and commodities are OTC derivatives, which do not give you ownership of the underlying assets. For long-term investing in stocks and ETFs, a broker that offers real shares is usually a better fit, while Bitpanda’s strength remains crypto and precious metals.

While fees might be slightly higher than some crypto-only exchanges, the convenience and comprehensive feature set arguably offset these costs for many users.

FAQs