Bitpanda Reviews

Bitpanda promo code and welcome bonus (November 2026)

Bitpanda does not publish a general promo code or coupon that new customers can redeem for a sign-up bonus in November 2026. The only standing reward for new users is the Tell-a-Friend programme, and it runs on a personal referral link from an existing customer, not on a code. Code-based campaigns only appear for a limited time, each with its own terms on Bitpanda's website or in the app. How the Tell-a-Friend reward works step by step, and which campaigns are running, is collected on our page about the Bitpanda promo code.

Tell-a-Friend: up to €100 each for the referrer and the new customer

A verified customer shares their link, the new customer signs up through it, verifies the account and buys crypto or Bitpanda Crypto Indices (BCI). Both receive rewards based on the new customer's purchase volume, as listed in the Bitpanda help centre:

Only purchases that trigger a trading fee count, meaning crypto and BCI buys on the Bitpanda Broker. Sells, swaps, margin trades, EURCV and other asset classes are excluded. The reward arrives as a voucher balance in the fiat wallet. Bitpanda says the amounts can differ by country of residence, and the programme is not available in the UK. The link has to be used at sign-up, a referrer cannot be added later, and ad blockers or private browsing can break the attribution.

What the bonus is worth: depending on the step, the rewards equal 1.0 to 1.5 per cent of the purchase volume. At the top step, €10,000 of Bitcoin purchases cost about €99 in trading fees against €100 in rewards, while the same volume in a typical altcoin costs about €149 at 1.49 per cent. The bonus roughly offsets the buying fee, and the fee is charged again when you sell.

Bitpanda Earn: 7 per cent on stablecoins

Bitpanda currently advertises 7 per cent APY on USDC and EURCV held in Bitpanda Earn, paid weekly and without a cap. According to Bitpanda, 3 per cent of it is a fixed base reward and the rest a voluntary bonus that can change in 14-day cycles. Bitpanda describes the product as unregulated: there is no deposit protection, ownership of the stablecoins passes to Bitpanda for the term, and you carry counterparty, insolvency and de-pegging risk. Buying EURCV carries no trading fee, USDC costs 0.99 per cent like other stablecoins.

Ended campaigns and coupon sites

Bitpanda ended a welcome campaign for new customers on 30 October 2026. The campaign with 5 per cent cashback on crypto transfers to Bitpanda ran until 31 July 2026. The four club codes from the football season ticket draw (BAYERN26, ARSENAL26, BASEL26, ACMILAN26) only applied to that draw, which closed on 24 August 2026. Codes from coupon portals without a matching campaign page from Bitpanda are not Bitpanda offers, and the help centre section on promotions and giveaways points straight to Bitpanda's guide on spotting online scams.

How to use a Bitpanda bonus

1. Ask an existing customer for their personal Tell-a-Friend link and open it before you register, with ad blockers switched off and outside private browsing.
2. Sign up through that link and complete identity verification.
3. Buy crypto or BCIs on the Bitpanda Broker; the first reward step starts at €500 of purchases.
4. For time-limited campaigns, opt in the way the terms require (in-app story, email or code) before the purchase that is meant to count.

You can open a Bitpanda account through our partner link to Bitpanda; cryptoticker.io receives a commission when an account is opened. Offers as of 1 November 2026.

In short: Bitpanda is the convenient way to collect crypto, stocks, ETFs and precious metals in one MiCA-regulated account: more than 650 crypto assets, savings plans from €1 and a Tell-a-Friend bonus of up to €100. The trading fee is 0.99% for Bitcoin and 1.49% for most altcoins.

Is Bitpanda safe and licensed in the EU?

Bitpanda is a Vienna-based broker for crypto assets, stocks, ETFs and precious metals and reports more than 7 million users. Its crypto services in the EU now run under MiCA: the ESMA register lists three authorised Bitpanda companies, Bitpanda GmbH via the Austrian FMA since April 2025, Bitpanda Asset Management GmbH via BaFin in Germany since January 2025 and BP23 CA Limited via the Maltese MFSA. In August 2026 the FMA published a fine of €70,000 against Bitpanda GmbH: a crypto white paper reached the regulator too late and was advertised before it was published. Our analysis of the MiCA penalty explains what it means for investors.

What the 2025 loss means for your funds: Bitpanda GmbH reported a loss of about €14 million for 2025, after a profit of €61.7 million the year before, on adjusted revenue of €371 million. Licensed providers must hold clients' crypto assets and money separately from their own assets under Articles 70 and 75 of MiCA, so a loss-making year does not directly affect client holdings. Our report on Bitpanda’s annual accounts shows what you can check yourself.

What does Bitpanda cost?

Bitpanda does not win on costs. Bitcoin costs 0.99 per cent per buy or sell, most altcoins 1.49 per cent and small caps 2.49 per cent. Frequent traders pay noticeably more with percentage fees at this level than on an exchange with an order book; our crypto exchange comparison puts the cost per €1,000 side by side. In return, Bitpanda bundles savings plans, staking, crypto indices, stocks and ETFs at €1 per trade and physical precious metals in one app, and the account, custody and fiat deposits and withdrawals cost nothing.

Who is Bitpanda for?

User reviews draw the same picture: the app is praised as clear and easy to use, and costs are the most common complaint. Bitpanda suits investors who want to build up crypto and other asset classes over time in a regulated EU account. If the lowest trading fee is your priority, the comparison will point you to a better fit.

Bitpanda works as a broker: you buy at a firm quote that already includes the trading fee, and the order summary shows the fee separately before you confirm. The fee depends on the asset, not on your trading volume. As of 1 November 2026, based on Bitpanda's cost document for crypto assets dated 8 July 2026 and the help centre article on fees and premiums.

The quote can also differ from exchange prices (spread). The cost document does not put a number on that gap, so compare the quote with the market price before you confirm. Buying €1,000 of Bitcoin and selling it again costs about €19.70 in fees, the same round trip in a typical altcoin about €29.60. Our analysis of Bitpanda's fee tiers and spread works through more examples.