Bitpanda Fusion vs XTB 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.

XTB stands out as an established, publicly listed multi-asset broker with more than 20 years of market experience and over 2.9 million clients. Its main strengths are a clear, easy-to-use interface and an unusually broad offering of more than 12,800 instruments, including more than 40 crypto Contracts for Differences alongside real stocks, ETFs, forex and commodities. The 0% commission on stocks and ETFs up to €100,000 in monthly volume, the XTB card and payment account, locally regulated European branches with support in the local language, and the depth of educational material all add to its appeal.

The key thing to understand is how XTB offers crypto: as Contract for Differences rather than as actual coins. That's a deliberate product design, not a defect: Contracts for Differences let you go long or short with leverage and built-in risk controls. But it does mean you never own the underlying crypto and can't move it to a personal wallet. For real crypto assets, the Cypriot entity XTB Limited has held a MiCA authorisation from CySEC since December 2025; XTB S.A., which serves clients in Germany, France and Spain among others, still offers crypto as Contracts for Differences. If your goal is self-custody or long-term holding of real coins, a dedicated crypto platform fits better; if you want regulated, flexible price exposure within a single multi-asset account, XTB's approach is a sensible match. Some users also note room for improvement in support responsiveness and app stability.

Overall, XTB is best suited to investors who want a regulated, broadly positioned broker with locally supervised European branches, strong stock and ETF conditions, and integrated crypto Contracts for Differences trading, and who value a simple, clear and intuitive interface over direct crypto ownership.

**Contracts for Differences are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% of retail investor accounts lose money when trading CFDs with the EU entity XTB Limited, and 74% with XTB UK. You should consider whether you understand how Contracts for Differences work and whether you can afford to take the high risk of losing your money.