- 12 Oct 2025
- Elara Crowthorne
- 10
Bitpanda Fee Calculator
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Why use Fusion Tier? For larger investments or frequent traders, Fusion can save you significant fees compared to Standard Tier.
Key Takeaways
- Bitpanda review: Europe‑focused broker with 7+million users and full EU regulatory approval.
- Fees capped at 1.49% for standard trades; Fusion professional tier drops below 0.1%.
- Access to 120+ cryptocurrencies plus stocks, ETFs, metals, and commodities in one account.
- Security includes cold‑storage, 2FA, and assets held in trust; no major breaches reported to 2025.
- Strong pros for beginners (easy onboarding) and advanced traders (Fusion, custom portfolios), but fee transparency remains a pain point.
What is Bitpanda Broker?
Bitpanda Broker is a European‑regulated crypto exchange and digital‑asset broker that lets users trade cryptocurrencies, stocks, ETFs, and precious metals from a single dashboard. Founded in Austria, the platform now serves over 7million users across more than 40 European countries and operates under the oversight of the Austrian Financial Market Authority (FMA) and Germany’s BaFin under the MiCAR framework.
Regulatory Landscape
Bitpanda’s compliance stack rests on three pillars:
- Austrian Financial Market Authority (FMA) licensing ensures adherence to EU‑wide MiFID rules.
- In January2025, Bitpanda received MiCAR approval from Germany’s Federal Financial Supervisory Authority (BaFin), allowing lawful operations in all 27 EU member states.
- All customer assets are kept in trust, segregated from the company’s balance sheet and stored in a mix of warm and cold wallets.
This triple‑layered oversight gives European investors confidence that the platform cannot use client funds for speculative activities.
Asset Variety and Trading Tools
Bitpanda’s biggest differentiator is its multi‑asset approach. Users can pick from:
- 120+ cryptocurrencies - ranging from Bitcoin and Ethereum to niche stablecoins.
- 3,000+ total digital assets, including over 700 stocks, 200+ ETFs, and precious metals such as gold and silver.
- Eight thematic portfolios that rebalance automatically based on market trends.
For power users, the platform offers Bitpanda Fusion, a professional‑grade interface with conditional orders, multi‑leg strategies, and fees as low as 0.07% per trade. Meanwhile, the Bitpanda Card lets you spend crypto‑funded balances at any Visa‑accepting merchant, converting assets in real time.
Fee Structure and Cost Efficiency
Understanding fees is crucial because they can eat into returns, especially for frequent traders.
| Metric | Bitpanda Broker | Coinbase |
|---|---|---|
| Max standard fee | 1.49% | 1.99%+spread |
| Fusion / Pro fee | 0.07%-0.30% | 0.50%-1.00% |
| Deposit fees | None | None (bank transfers), 1.5% for cards |
| Withdrawal fees | None for crypto, minimal for fiat | Flat €0.15 (EUR) or 1.5% for crypto |
| Cryptocurrency count | ~120(officially listed) | ~405(officially listed) |
| EU regulatory status | MiCAR‑approved, FMA‑licensed | Licensed in US, limited EU scope |
For casual investors, the “no‑fee” deposit and withdrawal model is attractive. Pro traders usually switch to Fusion to shave fractions of a percent off each trade, which adds up over time.
Security & Trustworthiness
Security is a top reason why European users gravitate toward Bitpanda. The platform employs:
- Two‑factor authentication (2FA) via authenticator apps or SMS.
- Cold‑storage of the majority (>95%) of crypto assets.
- Assets held in a segregated trust account, meaning they are 100% backed by real assets.
- Regular audits and compliance checks mandated by the FMA and BaFin.
According to Cryptoradar, Bitpanda has maintained a clean security record with zero major breaches as of 2025. This track record, combined with EU regulator backing, provides a level of consumer protection that many global rivals lack.
User Experience - From Beginner to Pro
Onboarding is deliberately simple:
- Sign‑up, verify identity with a photo ID and proof of address (KYC).
- Choose a fiat currency (EUR, GBP, CHF, etc.) and link a bank account.
- Fund the account via SEPA transfer - instant and fee‑free.
- Start buying crypto or traditional assets with a single click.
Beginners love the clean UI, educational tooltips, and the “Buy‑Crypto‑Now” widget. Advanced users switch to Fusion for custom order types, and they can automate strategies using the 2024‑released automated execution protocols.
Support channels include live chat, email, and an extensive knowledge base. Community forums on Reddit and Telegram are active, especially in German‑ and French‑speaking circles.
Pros, Cons, and Who Should Consider Bitpanda
- Pros: EU regulatory approval, multi‑asset access, low‑fee Fusion tier, no deposit/withdrawal fees, strong security, user‑friendly onboarding.
- Cons: Fee structure can be confusing, fewer listed cryptos than pure‑crypto exchanges, temporary unavailability in the UK, standard interface pricier than Fusion.
The platform fits:
- European beginners seeking a simple entry point.
- Investors who want crypto and traditional assets on one dashboard.
- Advanced traders who need professional order types and lower fees.
Future Outlook
With MiCAR approval, Bitpanda is positioned to capture investors from non‑compliant rivals as the EU tightens crypto regulations. Ongoing product upgrades-like trend‑based portfolios and AI‑driven analytics-signal a commitment to staying ahead of market demand. Challenges remain: regaining UK market access and simplifying fee disclosures will be critical for continued growth.
Final Verdict
For anyone living in Europe and looking for a trustworthy, versatile broker, Bitpanda delivers a compelling mix of security, regulatory compliance, and asset diversity. While the fee chart isn’t the cleanest, the Fusion tier makes the platform cost‑effective for serious traders. In short, it’s a solid choice whether you’re just dipping toes into crypto or building a full‑scale digital portfolio.
Frequently Asked Questions
Is Bitpanda Broker regulated in the EU?
Yes. Bitpanda holds a license from Austria’s Financial Market Authority (FMA) and received MiCAR approval from Germany’s BaFin in January2025, allowing it to operate across all 27 EU member states.
What is the maximum fee for a standard crypto trade?
The standard fee caps at 1.49% per transaction. Users who switch to the Fusion tier can see fees as low as 0.07%.
Can I trade stocks and ETFs on Bitpanda?
Absolutely. Bitpanda offers more than 700 stocks and over 200 ETFs, all accessible from the same account used for crypto.
How does Bitpanda store my crypto assets?
The majority of assets are kept in offline cold wallets, while a smaller portion resides in hot wallets for instant withdrawals. All funds are held in a segregated trust account.
Is Bitpanda available in the United Kingdom?
As of October2025, Bitpanda is temporarily unavailable for UK residents due to licensing negotiations. The service is expected to relaunch once the regulatory gap is closed.
10 Comments
Bitpanda’s EU licence really gives peace of mind, especially when you’re juggling crypto and stocks.
The Fusion tier feels like a smart shortcut for anyone who’s serious about scaling up.
From a philosophical angle, it’s interesting how regulation nudges trust without stifling innovation.
The UI is clean enough that even a first‑timer can dive in without feeling lost.
Overall, it’s a solid platform for European investors looking for a balanced entry point.
i guess it's ok but the fee chart looks mad confusing.
What really stands out about Bitpanda is the way it bundles crypto, stocks, and ETFs under one roof.
You can fund the account via SEPA with zero fees, which is a huge plus for EU users.
The Fusion tier drops fees to as low as 0.07%, making high‑volume trading less painful.
Security-wise, cold‑storage custody and a segregated trust account keep assets safe.
The platform also offers automated execution protocols for the more advanced traders.
Customer support is reachable through live chat, and the knowledge base covers most common hiccups.
Even though the UK market is temporarily closed, the EU coverage feels comprehensive.
All in all, it’s a versatile broker that suits both beginners and pros.
Bitpanda’s regulatory backbone is its biggest selling point – you’re dealing with a broker that's fully MiCAR‑approved, which isn’t something you get everywhere 😊.
The Fusion tier really shines for power users, cutting the fee burden dramatically.
On the downside, the sheer number of assets can feel a bit overwhelming at first glance.
But the UI’s clean design mitigates that, guiding you to the right section quickly.
Overall, it’s a trustworthy platform that balances safety with flexibility.
Fee structure is a mess; it needs simplification.
Otherwise decent.
Dear community, I would like to take a moment to formally acknowledge the comprehensive compliance framework that Bitpanda has established within the European Union.
This includes licensing from the Austrian FMA and recent MiCAR approval, which collectively ensure robust consumer protection.
Such formalities, while technical, ultimately translate to a trustworthy user experience.
Exactly, the compliance angle is a game‑changer for anyone cautious about their investments.
Ths platform is n ot bad but th e fees r kinda high.
🚀 Bitpanda is crushing it in the EU market! The Fusion tier feels like a rocket boost for low‑fee trading. 🌙
When evaluating a broker in today’s regulatory climate, it is essential to consider multiple dimensions beyond merely the headline fee percentages.
First, Bitpanda’s adherence to the MiCAR framework provides a layer of consumer protection that is rare among crypto‑centric platforms.
Second, the segregation of assets into a trust account ensures that client funds are insulated from operational risks.
Third, the blend of cold‑storage custody for the bulk of holdings and hot wallets for liquidity reflects a balanced security strategy.
Fourth, the platform’s multi‑asset offering allows investors to diversify without juggling multiple accounts, a convenience that cannot be overstated.
Fifth, the Fusion tier’s fee structure, ranging from 0.07% to 0.30%, is competitive for high‑volume traders, effectively lowering the cost barrier for scaling strategies.
Sixth, the user experience is streamlined: KYC onboarding is straightforward, SEPA deposits are instant and fee‑free, and the UI is intuitive for newcomers.
Seventh, support channels, including live chat and an extensive knowledge base, reduce friction when issues arise.
Eighth, the ongoing development pipeline, featuring AI‑driven analytics and trend‑based portfolios, signals a commitment to innovation.
Ninth, the temporary unavailability in the United Kingdom is a notable gap, yet the platform’s focus on EU markets compensates with broader regulatory certainty.
Tenth, community engagement on Reddit and Telegram showcases an active user base that can provide peer‑to‑peer insights.
Eleventh, the transparent fee calculator embedded in the site empowers users to anticipate costs before committing capital.
Twelfth, the platform’s compliance with both Austrian FMA and German BaFin underscores a dual‑jurisdiction oversight, enhancing credibility.
Thirteenth, the availability of over 700 stocks and 200 ETFs positions Bitpanda as a hybrid broker rather than a pure‑play crypto exchange.
Fourteenth, the consistent audit trail and regular compliance checks mitigate risks associated with regulatory arbitrage.
Fifteenth, the overall value proposition aligns well with European investors seeking a single, regulated gateway to both traditional and digital assets.