Bitpanda Fusion vs ByBit EU Comparison
In our overall rating Bitpanda Fusion leads with 4.6 out of 5 points, ahead of ByBit EU with 4.1. Our table lists the trading fee as “0.25 %” for Bitpanda Fusion and “0.25% maker; 0.25% taker” for ByBit EU. Bitpanda Fusion has been on the market longer, founded in 2014, while ByBit EU followed in 2018.
| 0.25 % | Fees | 0.25% maker 0.25% taker |
| € 2.50 | Minimum cost per €1,000 | — |
| not stated | Cryptos | +100 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA transfer, Visa, Mastercard, Google Pay, Apple Pay |
| MiCA license via BaFin | Regulation | MiCAR license via FMA |
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 A price markup in the spread is not included, because most providers do not publish it.
| € 2.50 | Minimum cost per €1,000 | — |
| 0.25 % | Fees | 0.25% maker 0.25% taker |
| € 2.91 | Wallet transfer | — |
| Yes | Cost transparency | — |
| € 1 | Minimum Amount | 1 EUR per order, card deposit from 10 USD |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA transfer, Visa, Mastercard, Google Pay, Apple Pay |
Bitpanda Fusion charges a tiered trading fee in seven levels, based on your trading volume over the last 30 days. Bitpanda lists a single rate per level; the fee table does not distinguish between maker and taker orders.
| 30-day volume (EUR) | Fee |
|---|---|
| Up to 100,000 | 0.25% |
| 100,000 to 500,000 | 0.21% |
| 500,000 to 2,500,000 | 0.17% |
| 2,500,000 to 10,000,000 | 0.13% |
| 10,000,000 to 50,000,000 | 0.08% |
| 50,000,000 to 250,000,000 | 0.05% |
| Over 250,000,000 | 0.02% |
Fee table checked on the Bitpanda website on 1 November 2026, unchanged since 2 October 2026. Bitpanda itself charges no fees for deposits and withdrawals; third-party and currency conversion costs may apply. This comparison does not constitute investment advice.
Bybit EU charges fixed maker and taker rates for spot trading. For pairs against the euro the rate falls with your trading volume over the last 30 days; from VIP 1 the same rate applies to both pair types.
| Transaction | Cost at Bybit EU |
|---|---|
| Spot, crypto pairs, regular user | 0.25% maker, 0.25% taker |
| Spot, EUR pairs, up to USD 100,000 volume in 30 days | 0.25% maker and taker |
| Spot, EUR pairs, USD 100,000 to 250,000 | 0.22% maker and taker |
| Spot, EUR pairs, USD 250,000 to 500,000 | 0.2% maker and taker |
| Spot, EUR pairs, from USD 500,000 | 0.15% maker and taker |
| VIP 1, all spot pairs | 0.12% maker and taker |
| EUR deposits and withdrawals | fee shown before the transaction |
| Crypto withdrawals | network fee per coin |
How to save: If you trade larger amounts against the euro, the volume tiers on EUR pairs pay off: from USD 500,000 in 30 days the rate is 0.15%. From VIP 1 the rate for all spot pairs drops to 0.12%. See how Bybit EU compares on fees in our crypto exchange comparison.
Fees as of 1 November 2026 according to the Bybit EU fee schedule.
Bybit EU bonus and offers (November 2026)
New Bybit Card users get a welcome package: apply for the card in the app and top up at least 100 USDC or the equivalent to receive 10% cashback on eligible purchases in the first 30 days, up to €120. On top, you get up to €50 cashback on selected subscriptions such as ChatGPT and Netflix in the first month. The Bybit EU terms and conditions apply.
You can open a Bybit EU account through our partner link to Bybit EU; cryptoticker.io receives a commission when an account is opened. Offers as of 1 November 2026.
Pros & Cons
- Volume-based fees from 0.25% down to 0.02%
- More than 2,000 trading pairs, including against CHF and GBP
- No deposit or withdrawal fees charged by Bitpanda
- Pro order types (limit, stop-limit, stop-market, take-profit limit) and native TradingView charts
- Public REST API and Fusion MCP for automated trading
- Shared account with standard Bitpanda, liquidity from 12+ aggregated order books
- Savings plan feature not available on Fusion
- No margin or leveraged trading through Fusion, only as a separate Bitpanda product
- Below €100,000 in monthly volume you pay 0.25% per trade; the 0.02% tier only applies from €250 million
- Asset selection limited to spot pairs, with no precious metals or stocks like on standard Bitpanda
- MiCA licence from Austria's FMA since May 2025, valid across the EU
- Spot from 0.25% maker and taker, euro pairs 0.15% above $500,000 volume, 0.12% from VIP 1
- More than 100 coins, 17 of them tradable directly against the euro
- 1:1 reserves according to Bybit EU, assets held largely in cold storage, 2FA
- Bybit Card welcome package: 10% cashback up to €120
- App for iOS and Android, based in Vienna
- Spot trading only for EEA retail clients, no futures
- Bybit group hack in February 2025 (about $1.4 billion in ether), loss covered by the exchange
- Own counterparty list: transactions with listed services can lead to an account freeze
- The number of features can overwhelm complete beginners
User Experiences
AI AnalysisNo separate analysis -- based on Bitpanda.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. Investing in crypto assets carries a high level of risk. This is not investment advice. Figures without guarantee, check current conditions with the provider.
Features
| available | Volume Fee Tiers | not specified |
| available | Order Types | not specified |
| available | API | not specified |
| available | Charts | not specified |
| available | Aggregated Order Books | not specified |
| not available | Savings Plan | not specified |
| available | Wallet Transfer | not specified |
| available | 2FA Security | not specified |
| available | BaFin License | not specified |
| available | Mobile App | not specified |
- Tiered fee in 7 steps, from 0.25% down to 0.02%
- More than 2,000 trading pairs from 12+ venues
- Native TradingView charts and pro order types
- Public REST API and Fusion MCP
- MiCA authorisation of Bitpanda GmbH from Austria's FMA, registered with BaFin
- EU-regulated (MiCA, FMA Austria), valid in 29 EEA countries
- Spot from 0.25%, euro pairs from 0.15%
- 1:1 reserves and cold-wallet custody
The five areas head to head
AI AnalysisFees & Costs
No separate analysis -- based on Bitpanda.
Spot trading (VIP 0, crypto pairs): 0.25% maker / 0.25% taker (as of 1 November 2026). Bybit EU does not offer futures or other derivatives to EEA retail clients. Deposit and withdrawal costs depend on the method used; crypto transfers incur the usual network fees.
Details
| Bitpanda GmbH | Company | Bybit EU GmbH |
| 2014 | Founded | 2018 |
| MiCA license via BaFin | Regulation | MiCAR license via FMA |
| € 1 | Minimum Amount | 1 EUR per order, card deposit from 10 USD |
| eID, Photo ID | KYC | Identity verification (required for fiat deposits and withdrawals) |
Verdict
In our overall rating Bitpanda Fusion leads with 4.6 against 4.1 for ByBit EU.
For most investors Bitpanda Fusion is therefore the better choice.
Bitpanda Fusion is the pro trading platform within the Bitpanda ecosystem and is aimed at active traders with higher volume. Instead of the flat 0.99% fee on the standard app, a tiered fee applies here that falls in seven steps from 0.25% to 0.02% as your trading volume over the last 30 days grows. Account, verification, and custody are shared with the regular Bitpanda platform, so no separate onboarding is required.
According to Bitpanda, Fusion compares the order books of more than twelve trading venues in real time and offers the best aggregated price. Fusion does not run an order book of its own: every order is executed directly with Bitpanda, which is why Bitpanda describes Fusion as a broker rather than an exchange. The interface integrates TradingView natively and supports market, limit, stop-limit, stop-market, and take-profit limit orders. According to Bitpanda, more than 2,000 trading pairs are available, including against CHF and GBP, and Bitpanda itself charges no deposit or withdrawal fees. For automated trading there is a public REST API and Fusion MCP, a free open-source tool that lets AI assistants place orders on your instruction; the API documentation does not yet list a WebSocket interface. Fusion also runs with its full feature set in the app for iOS and Android. Margin and leveraged trading are not available through Fusion; Bitpanda offers a separate margin product with leverage of up to 10x instead. The learning curve compared to the standard Bitpanda app is occasionally criticized in user comments, as is the absence of the savings plan feature.
Bitpanda Fusion is considered particularly suitable for traders who value low volume-based fees, pro order types, and API access. Those who mainly use savings plans, precious metals, or simple direct purchase are better served on the standard platform. This comparison does not constitute investment advice.
In short: Bybit EU combines the technology of one of the largest crypto exchanges with an EU licence: spot trading in more than 100 coins, fixed rates from 0.25% that fall to 0.15% with high euro volume, and a crypto card. For retail clients in the EEA, Bybit EU focuses on spot trading. If you want to buy and hold crypto at a large exchange with a European licence, Bybit EU fits.
Is Bybit safe and licensed in the EU?
Yes, Bybit EU may serve customers across the EU. Bybit EU GmbH, based in Vienna, has been authorised as a crypto-asset service provider under Article 63 MiCA since 28 May 2025, licensed by Austria's Financial Market Authority (FMA). Through the EU passport the licence covers 29 EEA countries, including Germany, France and Spain (ESMA register, file of 30 October 2026). It covers custody, exchanging crypto for money and for other crypto, placing and transfer services. Bybit EU itself points out that certain offers on bybit.eu fall outside MiCA supervision; each product page states the framework.
The hack of 21 February 2025: Attackers took ether worth about $1.4 to $1.5 billion from a Bybit group multisig cold wallet by slipping a manipulated transaction past the signers. The FBI attributed the attack to the North Korean group TraderTraitor, better known as Lazarus. On the same day Bybit stated that all client assets were backed 1:1 and that the exchange would cover the loss; withdrawals kept running. On bybit.eu, Bybit EU states 1:1 reserves for all user assets.
Counterparty list: Since September 2026 Bybit has published a list of services its customers must not transact with. If screening flags one of them, Bybit can freeze accounts or restrict funds. Our report on the Bybit counterparty list explains what to check in your payment history.
What you can do yourself: turn on two-factor authentication and a withdrawal address whitelist, keep proof of origin for coins bought peer to peer, and store larger amounts on your own hardware wallet.
Who is Bybit EU for?
Bybit EU suits investors in the EU who want spot trading at a large international exchange with a European licence and who like to pay with crypto. Anyone who regularly trades larger amounts against the euro benefits from the volume tiers. Our comparison of regulated crypto exchanges sets Bybit EU against other licensed exchanges such as OKX, Kraken and Bitvavo.