Bitpanda Fusion vs Smartbroker+ Comparison
| 0.25 % | Fees | 0.9 % |
| € 3.00 | Cost for €1,000 | € 9.00 |
| 100+ | Cryptos | 25 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Transfer |
| MiCA license via BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| € 3.00 | Cost for €1,000 | € 9.00 |
| 0.25 % | Fees | 0.9 % |
| € 2.91 | Wallet transfer | – |
| Yes | Cost transparency | Limited |
| € 1 | Minimum Amount | € 0.01 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Transfer |
On a €1,000 purchase you pay €6.00 less at Bitpanda Fusion.
Pros & Cons
- Volume-based maker/taker fees from 0.25% down to 0.02%
- Pro order types: limit, stop-limit, stop-market, take-profit, OCO
- Native TradingView charts with advanced indicators
- Public REST and WebSocket API for algorithmic trading
- Shared account with standard Bitpanda -- no extra onboarding
- Liquidity from 12+ aggregated order books
- Learning curve compared to the standard Bitpanda app has room for improvement
- Savings plan feature not available on Fusion
- Lowest fee tiers only reachable from high 30-day volume onward
- Asset selection limited to spot pairs -- no precious metals or stocks like on standard Bitpanda
- 25 cryptocurrencies tradable alongside stocks, ETFs, and derivatives
- Savings plans available for crypto and securities
- Crypto custodian Tangany GmbH with BaFin license
- Minimum investment possible from just 0.01 €
- App available for iOS, Android, and web use
- Wallet transfer to personal wallets not possible – occasionally criticized by users
- Staking features currently not available – room for improvement
- Deposits only via SEPA transfer – additional payment methods have room for improvement
- Waiting time after registration until first trade is occasionally criticized
User Experiences
AI AnalysisNo separate analysis -- based on Bitpanda.
According to reviews, Smartbroker+ is generally often described as clear and easy to understand. Users particularly appreciate the simple app experience as well as low fees and conditions, while support-related topics and individual technical points are perceived by some users as having room for improvement.
This analysis is based on 954 user reviews from the Apple App Store, Trustpilot, and Google Play Store, evaluated by AI. The total number of reviews on the respective platforms may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The reviews presented reflect users' experiences and do not represent the site operator's own assessment. All information is provided without guarantee. As of March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Maker/Taker Model | ✓ |
| ✓ | Order Types | ✓ |
| ✓ | API | ✓ |
| ✓ | Charts | ✓ |
| ✓ | Aggregated Order Books | ✓ |
| ✓ | Savings Plan | ✓ |
| ✓ | Wallet Transfer | ✓ |
| ✓ | 2FA Security | ✓ |
| ✓ | BaFin License | ✓ |
| ✓ | Mobile App | ✓ |
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin-regulated custodian | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA transfer | ✓ |
- 7-tier maker/taker model from 0.25% down to 0.02%
- Native TradingView charts and pro order types
- Public REST and WebSocket API
- BaFin licensing via the Bitpanda ecosystem
- Neobroker with stocks, ETFs, derivatives, and crypto on one platform
- BaFin-licensed crypto custodian Tangany GmbH
- Savings plans from 0.01 € for accessible investing
- Trading fees of 0.9 % for crypto
The five areas head to head
AI AnalysisFees & Costs
No separate analysis -- based on Bitpanda.
According to reviews, Smartbroker+ fees are often viewed positively. Users particularly appreciate the low fees and conditions, which are generally perceived as inexpensive. Overall, the pricing data gives a largely positive impression.
Usability & User Experience
No separate analysis -- based on Bitpanda.
Users particularly appreciate the clear and intuitive operation of the Smartbroker+ app. According to reviews, the application is often perceived as easy to use, which makes getting started easier. However, some users also report that the interface can be confusing, so this area is described in individual cases as having room for improvement.
Features & Offering
No separate analysis -- based on Bitpanda.
Some users would like additional convenience features such as direct debit for savings plans, instant or real-time transfers, and notes for the watchlist. According to reviews, the newsletter is also occasionally perceived as rather limited.
Stability & Security
No separate analysis -- based on Bitpanda.
Regarding stability and reliability, users occasionally report technical issues or longer loading times. Overall, the available reviews in this area do not point to a clearly positive or negative picture.
Customer Support
No separate analysis -- based on Bitpanda.
When it comes to support, users in the reviews report mixed experiences comparatively often. In some cases, poor customer service, unanswered email requests, or a lack of support are mentioned, which is why this area is considered to have room for improvement from the users' perspective.
Details
| Bitpanda GmbH | Company | Smartbroker AG |
| 2014 | Founded | 2019 |
| MiCA license via BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license |
| € 1 | Minimum Amount | € 0.01 |
| eID, Photo ID | KYC | eID, Video-ID, PostIdent |
Verdict
In our overall rating Bitpanda Fusion leads with 4.6 against 4.4 for Smartbroker+.
On a €1,000 purchase you pay €6.00 less at Bitpanda Fusion.
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 7-tier volume-based maker/taker model applies here, ranging from 0.25% down to 0.02%. Account, verification, and custody are shared with the regular Bitpanda platform -- no separate onboarding is required.
The trading interface is based on a classic limit order book with native TradingView integration and supports limit, stop-limit, stop-market, take-profit, and OCO orders. According to the provider, liquidity is sourced from more than twelve aggregated order books. A public REST and WebSocket API rounds out the offering for algorithmic trading. 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 maker/taker conditions, 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.
Smartbroker+ is perceived in the DACH region as a multi-asset broker that combines cryptocurrencies with stocks, ETFs, and derivatives on one platform. With 25 tradable cryptocurrencies and custody via the BaFin-licensed Tangany GmbH, the provider is considered to be on solid regulatory footing. Trading fees of 0.9 % for crypto are in the mid-range among German neobrokers.
The option to set up savings plans from as little as 0.01 € is appreciated, as it enables an especially accessible entry point. The platform is available via app and web and is aimed at investors who want to manage different asset classes centrally. For users who already invest in stocks and ETFs and want to add crypto as an additional component, Smartbroker+ is seen as a practical solution.
Wallet transfers to personal wallets are currently not possible, and staking features are not offered — both are occasionally criticized by users. The limited deposit methods, restricted to SEPA transfers, and the waiting time after registration are also considered to have room for improvement. Smartbroker+ is therefore particularly suitable for securities investors in the DACH region looking for a German broker with BaFin-regulated crypto custody and a broad product range.