Bitcoin.de vs Bitpanda Comparison
In our overall rating Bitpanda leads with 4.3 out of 5 points, ahead of Bitcoin.de with 3.2. On disclosed fees Bitcoin.de is cheaper: € 5.00 instead of € 9.90 per €1,000 purchase. Bitpanda lists more cryptocurrencies (more than 650) than Bitcoin.de (10). Bitcoin.de has been on the market longer, founded in 2011, while Bitpanda followed in 2014.
| 0.5 % | Fees | from 0.99% |
| € 5.00 | Minimum cost per €1,000 | € 9.90 |
| 10 | Cryptos | 650+ |
| SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal |
| Regulated in Germany as a marketplace of futurum bank AG | Regulation | MiCA authorisations in Austria (FMA), Germany (BaFin) and Malta |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, calculated from the disclosed trading fee. A price markup in the spread is not included, because most providers do not publish it.
| € 5.00 | Minimum cost per €1,000 | € 9.90 |
| 0.5 % | Fees | from 0.99% |
| € 3.73 | Wallet transfer | € 2.91 |
| Limited | Cost transparency | Yes |
| € 60 | Minimum Amount | € 1 |
| SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal |
On disclosed fees you pay €4.90 less at Bitcoin.de per €1,000 purchase.
Not enough reviews available.
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 October 2026, based on Bitpanda's cost document for crypto assets dated 8 July 2026 and the help centre article on fees and premiums.
| Product or service | Fee |
|---|---|
| Bitcoin, VSN | 0.99% per buy or sell |
| Stablecoins (EURCV: 0%) | 0.99% per buy or sell |
| Other crypto assets, e.g. Ethereum and Solana | 1.49% per buy or sell |
| Crypto assets under €100 million market cap, Spotlight assets | 2.49% per buy or sell |
| Crypto indices (BCI) | 1.99% per buy, sell and monthly rebalancing |
| Stocks, ETFs, ETCs | €1 per trade plus spread |
| Gold | 0.5% buy, 1% sell |
| Silver, platinum | 2.5% buy, 2% sell |
| Palladium | 2.2% buy, 1.8% sell |
| Staking | 20% of the staking rewards |
| Crypto margin trading | 0% to open, 0.18% per day in the first 60 days, 0.3% to close |
| Account, custody, fiat wallets | free |
| Fiat deposits and withdrawals | no fee according to Bitpanda |
| Crypto withdrawals | network fee, adjusted to network load |
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.
Pros & Cons
- Regulated in Germany as a marketplace of futurum bank AG
- Pioneer among German cryptocurrency platforms – active since 2011
- Trading fees of 0.5 %
- Wallet transfer possible
- Funds remain in the user’s own bank account
- Trading and deposits are paused until further notice. bitcoin.de suspended both because of its pending MiCAR authorisation, according to its own notice dated 21 August 2026. Withdrawals continue. Nothing can currently be bought.
- No granted MiCA authorisation in the ESMA register
- Selection of only 10 cryptocurrencies could be expanded
- Only SEPA bank transfer as a payment method
- Interface occasionally criticised as in need of modernisation
- MiCA authorisations in Austria (FMA), Germany (BaFin) and Malta (MFSA)
- More than 650 crypto assets plus stocks, ETFs, ETCs and precious metals in one account
- Stocks and ETFs at €1 per trade, fractional shares possible
- Savings plans and staking available, minimum order €1
- No fees for the account, custody or fiat deposits and withdrawals
- Trading fee shown separately in the order summary before you confirm
- Trading fee of 0.99% to 2.49% per buy or sell, depending on the coin
- Gap to exchange prices (spread) not quantified in the cost document
- Staking commission of 20% of the rewards
- No public promo code; the referral bonus requires at least €500 of crypto purchases
- €70,000 FMA fine in August 2026 over MiCA white paper duties
User Experiences
AI AnalysisNot enough reviews available.
According to reviews, Bitpanda is frequently praised for its clear design and intuitive app. Users also report that the platform is perceived as easy to use. In reviews of the costs, it repeatedly stands out that they are described as high or too expensive. Support also receives frequent praise from many users for quick replies and prompt help, while occasionally there is also critical feedback about response times.
This analysis is based on 1930 user reviews evaluated by AI from the Apple App Store, Trustpilot, and Google Play Store. The total number of reviews on the respective platforms may be higher. The displayed platform ratings (star ratings) refer to all reviews available there. The ratings shown reflect users’ experiences and do not represent the website operator’s own assessment. All information without guarantee. As of March 2026. This comparison does not constitute investment advice.
Features
| not available | Savings plan | available |
| not available | Staking | available |
| not available | Wallet transfer | available |
| not available | Cost transparency | available |
| not available | 2FA security | available |
| available | SEPA transfer | not specified |
| not available | Credit card | available |
| not available | Minimum amount | not specified |
| not available | Mobile app | available |
| available | Web platform | available |
| not specified | SEPA instant transfer | available |
| not specified | PayPal | available |
- Pioneer among German crypto marketplaces – since 2011
- Regulated through futurum bank AG in Germany
- Euro balances remain in the user’s own bank account
- KYC via bank verification, VideoIdent or PostIdent
- Regulated under MiCA with authorisations in Austria, Germany and Malta
- Multi-asset broker: crypto, stocks, ETFs, ETCs and precious metals in one place
- Fractional shares and savings plans from a €1 order
- Tell-a-Friend reward of up to €100 for both sides
The five areas head to head
AI AnalysisFees & Costs
Not enough reviews available.
According to reviews, users often express criticism regarding fees and costs. The fees are repeatedly described as high or too expensive. Overall, users tend to perceive the cost area rather negatively in the reviews.
Usability & User Experience
Not enough reviews available.
Users especially appreciate Bitpanda’s clear interface and intuitive app. According to reviews, the platform is often described as easy to use, which is highlighted particularly positively when getting started. However, some users occasionally report that the app does not always work smoothly.
Features & Offering
Not enough reviews available.
Users would like an iPad app, a chart widget, the display of the average price, as well as limit buys. In addition, some users suggest a larger coin selection. An Apple Watch widget and a widget for favorites are also occasionally requested.
Stability & Security
Not enough reviews available.
According to user reports, there is occasional criticism of Bitpanda’s app functionality. Some users report that the app does not always work or crashes in individual cases. In addition, some users describe experiences with a blocked account.
Customer Support
Not enough reviews available.
Support is frequently praised by users for quick help, prompt replies, and competent feedback. According to reviews, many users report positive service experiences, especially regarding response speed. However, it is occasionally criticized that inquiries are not answered or that support does not respond as expected.
Details
| futurum bank AG | Company | Bitpanda GmbH |
| 2011 | Founded | 2014 |
| Regulated in Germany as a marketplace of futurum bank AG | Regulation | MiCA authorisations in Austria (FMA), Germany (BaFin) and Malta |
| € 60 | Minimum Amount | € 1 |
| Bank verification, VideoIdent, PostIdent | KYC | eID, Photo ID |
Verdict
In our overall rating Bitpanda leads with 4.3 against 3.2 for Bitcoin.de.
On disclosed fees you pay €4.90 less at Bitcoin.de per €1,000 purchase.
For most investors Bitpanda is therefore the better choice.
Bitcoin.de is regarded as a pioneer among German crypto marketplaces and has been active since 2011 – making the platform one of the oldest providers in the German-speaking market. Regulation through futurum bank AG in Germany and the principle that euro balances remain in the user’s own bank account are viewed positively by security-conscious users.
The selection of just 10 cryptocurrencies is clearly room for improvement compared with modern exchanges. The limitation to SEPA as the only payment method, the lack of a mobile app, and 2FA protection only via SMS are also occasionally criticized. Some users consider the interface in need of modernization.
Bitcoin.de is seen as particularly suitable for investors who want to rely on a long-established, Germany-regulated platform and focus primarily on trading Bitcoin and a few other cryptocurrencies.
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.
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.
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.