Bitpanda Fusion vs crypto.com Comparison
In our overall rating Bitpanda Fusion leads with 4.6 out of 5 points, ahead of crypto.com with 4.2. On disclosed fees Bitpanda Fusion is cheaper: 0.25 % instead of 0.8 % trading fee, which means € 2.50 instead of € 8.00 per €1,000 purchase. Bitpanda Fusion has been on the market longer, founded in 2014, while crypto.com followed in 2016.
| 0.25 % | Fees | 0.8 % |
| € 2.50 | Minimum cost per €1,000 | € 8.00 |
| not stated | Cryptos | 400+ |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
| MiCA license via BaFin | Regulation | Fully MiCA Compliant |
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 A price markup in the spread is not included, because most providers do not publish it.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 | € 8.00 |
| 0.25 % | Fees | 0.8 % |
| € 2.91 | Wallet transfer | € 44.81 |
| Yes | Cost transparency | No |
| € 1 | Minimum Amount | € 3 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
On disclosed fees you pay €5.50 less at Bitpanda Fusion per €1,000 purchase.
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.
In the Crypto.com App, users in the European Economic Area pay a fixed fee per purchase; the trade preview shows the exact fee before you confirm. EUR deposits by bank transfer are free.
| Transaction | Cost at Crypto.com |
|---|---|
| Purchase with EUR balance | 0.80% |
| Crypto-to-crypto exchange | 0.80% |
| Purchase by debit or credit card | up to 4% |
| EUR deposit by bank transfer | free |
| EUR withdrawal via SEPA | EUR 1 per withdrawal, minimum EUR 80 |
| Sending crypto to other Crypto.com users | free |
| Crypto withdrawal to an external address | network fee per coin and network |
| Level Up Plus subscription, no trading fee on up to US$20,000 a month | €3.99 a month or €39.90 a year |
| Level Up Pro subscription, no trading fee on up to US$50,000 a month | €24.99 a month or €249.90 a year |
| Visa card: payments in a foreign currency outside the EU and UK | 2% on Midnight, on Ruby above €400 and on Jade and Indigo above €800 a month (since 1 October 2026) |
| Visa card without spending after twelve months | €6 a month (since 1 October 2026) |
How to save: Deposit by bank transfer and buy with your EUR balance instead of a card: on EUR 1,000 that is EUR 8 instead of up to EUR 40. Bundle EUR withdrawals, since each costs EUR 1. Frequent traders should look at the Level Up subscription: Plus waives the 0.80% on up to US$20,000 of trading a month and pays for itself from roughly €500 of purchases a month; according to Crypto.com, spreads may still apply. We compare exchanges with maker and taker fees in our crypto exchange comparison.
As of 1 November 2026 according to the Crypto.com Help Center, Fees & Limits (EEA), the Visa card fee overview for Europe and the Level Up page for the EEA.
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
- Over 400 cryptocurrencies available
- Own Visa prepaid card with crypto cashback: from the Plus tier (formerly Ruby) 1.5% on up to US$750 of card spending a month, up to 4.5% in the top tiers
- Savings plan and staking are offered
- Free EUR deposits by SEPA transfer, plus Apple Pay and Google Pay
- Minimum investment possible from €3
- MiCA licence from Malta's MFSA since 27 January 2025, plus licences as an e-money institution and investment firm
- Card purchases cost up to 4%
- EUR withdrawals via SEPA cost EUR 1, minimum EUR 80
- Cost transparency is rated as limited
- 0.80% fee per purchase in the app
- Cashback only on paid tiers: the free Midnight card earns 0%, Level Up Plus costs €3.99 a month
- Higher card fees since 1 October 2026: a 2% foreign transaction fee outside the EU and UK now also applies to Ruby (above €400 a month) and Jade and Indigo (above €800), and an unused card costs €6 a month after twelve months
User Experiences
AI AnalysisNo separate analysis -- based on Bitpanda.
Based on the analyzed user data, crypto.com is especially valued for its intuitive and easy-to-navigate app. At the same time, user reviews more often report room for improvement regarding fees, support, and individual account or login issues, which means the overall picture varies noticeably depending on how it is used.
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 | available |
| available | Wallet Transfer | not available |
| available | 2FA Security | not available |
| available | BaFin License | not specified |
| available | Mobile App | available |
| not specified | Staking | available |
| not specified | Cost transparency | not available |
| not specified | Anti-phishing code | available |
| not specified | SEPA instant transfer | available |
| not specified | Credit card | available |
| not specified | Web platform | not available |
- 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
- Visa prepaid card with crypto cashback
- 400+ cryptocurrencies available
- Savings plan and staking on one platform
- On the market since 2016
- MiCA-licensed by the MFSA Malta since January 2025, valid across the EU
The five areas head to head
AI AnalysisFees & Costs
No separate analysis -- based on Bitpanda.
According to reviews, the fees at crypto.com are viewed critically more often than average. Users report high costs and, in some cases, a high spread. Overall, this area is described critically in the user data.
Usability & User Experience
No separate analysis -- based on Bitpanda.
Users particularly appreciate crypto.com's intuitive app and simple operation. According to reviews, the interface is often described as clear and easy to understand, which stands out positively, especially for newcomers. However, frequent updates and the associated changes are occasionally described as room for improvement.
Features & Offering
No separate analysis -- based on Bitpanda.
Overall, the user data contains only limited recurring statements about features and the offering. Individual users praise options such as Visa cashback and Learn-&-Earn features. In addition, users would like to see more coins, extra portfolio filters, a German language setting, an iPad version, and a tax tool.
Stability & Security
No separate analysis -- based on Bitpanda.
Regarding stability and reliability, users primarily report login issues, being unable to log in, and in some cases blocked withdrawals. There are also individual comments about constant or mandatory updates in the user data. Overall, this results in a rather critical picture of reliability.
Customer Support
No separate analysis -- based on Bitpanda.
When it comes to support, the user reviews paint a predominantly critical picture. Users report comparatively often about poor support or that no support was reachable. Customer service is therefore clearly viewed critically in the analyzed user data.
Details
| Bitpanda GmbH | Company | Foris DAX MT Limited |
| 2014 | Founded | 2016 |
| MiCA license via BaFin | Regulation | Fully MiCA Compliant |
| € 1 | Minimum Amount | € 3 |
| eID, Photo ID | KYC | Photo ID |
Verdict
In our overall rating Bitpanda Fusion leads with 4.6 against 4.2 for crypto.com.
On disclosed fees you pay €5.50 less at Bitpanda Fusion per €1,000 purchase.
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.
Crypto.com is especially valued for its own Visa card with cashback program, which is considered a unique selling point in the crypto market. With more than 400 tradable cryptocurrencies, savings plans, and staking, the platform, active since 2016, offers a broad range of services. The minimum investment starting at €3 is seen as particularly beginner-friendly.
In Germany, Crypto.com operates under the MiCA licence that the Malta Financial Services Authority (MFSA) granted to Foris DAX MT Limited on 27 January 2025 and which applies across the EU, so no separate BaFin licence is required. According to Crypto.com, a purchase in the app costs 0.80%, up to 4% by card, and a EUR withdrawal via SEPA costs EUR 1. Users occasionally criticise the limited cost transparency.
The card terms changed in 2026: cashback is only paid on the paid tiers, with Level Up Plus at €3.99 a month earning 1.5% on up to US$750 of card spending a month and the top tiers up to 4.5%; the free Midnight card earns 0%. Since 1 October 2026, Ruby, Jade and Indigo also pay a 2% foreign transaction fee outside the EU and UK above a monthly allowance of €400 or €800, and a card without spending costs €6 a month after twelve months.
Crypto.com is mainly considered suitable for users who want to actively use the Visa card with cashback and are prepared to pay for a Level Up tier.