Bitpanda Fusion vs Relai Comparison

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.

Relai has established itself in the DACH region as one of the best-known Bitcoin-only apps and is especially appreciated by the Bitcoin community. The Swiss company follows a consistent self-custody approach: Bitcoin is held directly in the in-app wallet, and transfers to external wallets, including hardware wallets, are possible. Customers in the EU are served by Relai EU SASU, which has held a MiCA authorisation from the French financial markets authority AMF since 23 October 2025 and, according to the ESMA register, may operate in all 27 member states via the EU passport; in Switzerland, Relai AG is a member of the self-regulatory organisation VQF. Relai is therefore considered to be on solid regulatory footing.

The savings plan functionality is particularly valued, enabling automatic Bitcoin purchases with direct transfer to your own wallet or a hardware wallet. For investors who see Bitcoin as a long-term store of value and place importance on self-custody, Relai is regarded as one of the most accessible solutions. The fee is 1 % per purchase, or 0.9 % with an invite code; the first monthly auto-invest plan up to €100 remains fee-free. Paying by credit card, Apple Pay or Google Pay adds 3.0 %.

Since only Bitcoin can be traded, Relai is not suitable for investors interested in altcoins, something occasionally criticized by some users. The minimum amount of 50 € and the setup of external wallet transfers are also seen as room for improvement. Relai is therefore especially suited to Bitcoin-focused investors who want to combine self-custody and automated saving with a regulated provider.