Bitpanda
Bitpanda GmbH · AT · 7 countries served
Bitpanda GmbH is a Vienna-founded retail-oriented exchange and investment platform (since 2014) with 6M+ customers. In April 2025 it secured one of the first MiCA CASP licences in Europe (Austrian FMA). Multi-asset platform supporting crypto, stocks, ETFs, and precious metals.
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Fees
| Spot maker | 1.49% |
| Spot taker | 1.49% |
| SEPA deposit | Free |
| Card deposit | 1.50% |
| SEPA withdrawal | Free |
| Crypto withdrawal (avg) | €0.00 |
Features
- ✓SEPA transfers
- −Bank ID support
- ✓Mobile app
- ✓Two-factor authentication
- ✓Cold storage custody
- ✓Proof of Reserves
- −Derivatives (futures/perp)
- ✓470+ crypto trading pairs
Supported fiat currencies: EUR, GBP, CHF
Pros
- ✓Full FMA MiCA CASP licence (2025-04-10)
- ✓Multi-asset platform — crypto + stocks + ETFs + precious metals
- ✓470+ cryptocurrencies — one of the broadest in EU retail
- ✓Full LV/LT/EE/FI/SE language support
- ✓Proof of Reserves via Mazars audits
- ✓Bitpanda Card (Visa) with crypto cashback
Cons
- ✗High spread fees (~1.49%) — Bitvavo ~3x cheaper
- ✗Premium plans 1-3% fees, unrealistic for retail
- ✗Card EUR only — no multi-currency
- ✗Pro version better, but retail platform default
Full review
Bitpanda — Bitpanda GmbH
Bitpanda GmbH is a retail-oriented exchange and investment platform founded in Vienna in 2014, with 6M+ clients. In April 2025, it received one of the first MiCA CASP licences in Europe (Austrian FMA). It supports 470+ cryptocurrencies, stocks, ETFs, and precious metals in a single account, with full LV/LT/EE/FI/SE language support.
Licensing
FMA Austria issued a MiCA CASP licence on 2025-04-10. Registered in AT with EU passport rights across the remaining 30 EEA countries.
Fees
| Service | Price |
|---|---|
| Spot maker | 1.49% |
| Spot taker | 1.49% |
| SEPA deposit | Free |
| Card deposit | 1.5% |
| SEPA withdrawal | Free |
| Instant buy spread | 1.49% |
Features
- Supported coins: 470+
- Fiat currencies: EUR, GBP, CHF
- Mobile app: ✓ yes
- 2FA: ✓ yes
- Cold storage: ✓ yes
- Proof of Reserves: ✓ yes
- BankID/MitID: ✗ no
- Derivatives: ✗ no
Pros
- Full FMA MiCA CASP licence (2025-04-10)
- Multi-asset platform — crypto + stocks + ETFs + precious metals
- 470+ cryptocurrencies — one of the broadest selections among EU retail platforms
- Full LV/LT/EE/FI/SE language support
- Proof of Reserves via Mazars audits
- Bitpanda Card (Visa) with crypto cashback
Cons
- High spread fees (~1.49%) — Bitvavo is ~3x cheaper
- Premium plans charge 1–3% in fees, which is unrealistic for retail users
- Card available in EUR only — no multi-currency support
- The Pro version is better, but the retail platform is the default
Summary
The first choice for multi-asset beginners in the Baltics and Nordics — crypto + stocks in a single account. However, it is expensive for active traders (1.49% spread); consider Bitvavo or Kraken Pro instead.
Review prepared on 2026-05-05 using official regulatory registers and the company's pricing page. Before trading, check the current fees and terms at https://www.bitpanda.com.