Bitpanda vs Bitpanda Fusion Comparison
In our overall rating Bitpanda Fusion leads with 4.6 out of 5 points, ahead of Bitpanda with 4.3. On disclosed fees Bitpanda Fusion is cheaper: 0.25 % instead of 0.99 % trading fee, which means € 2.50 instead of € 9.90 per €1,000 purchase. Bitpanda and Bitpanda Fusion were both founded in 2014.
| 0.99 % | Fees | 0.25 % |
| € 9.90 | Minimum cost per €1,000 | € 2.50 |
| 650+ | Cryptos | not stated |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal |
| MiCA authorisations in Austria (FMA), Germany (BaFin) and Malta | Regulation | MiCA license via BaFin |
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 A price markup in the spread is not included, because most providers do not publish it.
| € 9.90 | Minimum cost per €1,000 | € 2.50 |
| 0.99 % | Fees | 0.25 % |
| € 2.91 | Wallet transfer | € 2.91 |
| Yes | Cost transparency | Yes |
| € 1 | Minimum Amount | € 1 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal |
On disclosed fees you pay €7.40 less at Bitpanda Fusion per €1,000 purchase.
Bitpanda works as a broker: you buy at a firm quote that already includes the trading fee, and the order summary shows the fee separately before you confirm. The fee depends on the asset, not on your trading volume. As of October 2026, based on Bitpanda's cost document for crypto assets dated 8 July 2026 and the help centre article on fees and premiums.
| Product or service | Fee |
|---|---|
| Bitcoin, VSN | 0.99% per buy or sell |
| Stablecoins (EURCV: 0%) | 0.99% per buy or sell |
| Other crypto assets, e.g. Ethereum and Solana | 1.49% per buy or sell |
| Crypto assets under €100 million market cap, Spotlight assets | 2.49% per buy or sell |
| Crypto indices (BCI) | 1.99% per buy, sell and monthly rebalancing |
| Stocks, ETFs, ETCs | €1 per trade plus spread |
| Gold | 0.5% buy, 1% sell |
| Silver, platinum | 2.5% buy, 2% sell |
| Palladium | 2.2% buy, 1.8% sell |
| Staking | 20% of the staking rewards |
| Crypto margin trading | 0% to open, 0.18% per day in the first 60 days, 0.3% to close |
| Account, custody, fiat wallets | free |
| Fiat deposits and withdrawals | no fee according to Bitpanda |
| Crypto withdrawals | network fee, adjusted to network load |
The quote can also differ from exchange prices (spread). The cost document does not put a number on that gap, so compare the quote with the market price before you confirm. Buying €1,000 of Bitcoin and selling it again costs about €19.70 in fees, the same round trip in a typical altcoin about €29.60. Our analysis of Bitpanda's fee tiers and spread works through more examples.
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 retrieved from the Bitpanda website on 2 October 2026. This comparison does not constitute investment advice.
Pros & Cons
- MiCA authorisations in Austria (FMA), Germany (BaFin) and Malta (MFSA)
- More than 650 crypto assets plus stocks, ETFs, ETCs and precious metals in one account
- Stocks and ETFs at €1 per trade, fractional shares possible
- Savings plans and staking available, minimum order €1
- No fees for the account, custody or fiat deposits and withdrawals
- Trading fee shown separately in the order summary before you confirm
- Trading fee of 0.99% to 2.49% per buy or sell, depending on the coin
- Gap to exchange prices (spread) not quantified in the cost document
- Staking commission of 20% of the rewards
- No public promo code; the referral bonus requires at least €500 of crypto purchases
- €70,000 FMA fine in August 2026 over MiCA white paper duties
- Volume-based fees from 0.25% down to 0.02%
- Pro order types: limit, stop-limit, stop-market, take-profit limit
- Native TradingView charts with advanced indicators
- Public REST 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, with no precious metals or stocks like on standard Bitpanda
User Experiences
AI AnalysisAccording to reviews, Bitpanda is frequently praised for its clear design and intuitive app. Users also report that the platform is perceived as easy to use. In reviews of the costs, it repeatedly stands out that they are described as high or too expensive. Support also receives frequent praise from many users for quick replies and prompt help, while occasionally there is also critical feedback about response times.
No separate analysis -- based on Bitpanda.
This analysis is based on 1930 user reviews evaluated by AI from the Apple App Store, Trustpilot, and Google Play Store. The total number of reviews on the respective platforms may be higher. The displayed platform ratings (star ratings) refer to all reviews available there. The ratings shown reflect users’ experiences and do not represent the website operator’s own assessment. All information without guarantee. As of March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | SEPA instant transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | PayPal | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Volume Fee Tiers | ✓ |
| ✓ | Order Types | ✓ |
| ✓ | API | ✓ |
| ✓ | Charts | ✓ |
| ✓ | Aggregated Order Books | ✓ |
| ✓ | Savings Plan | ✓ |
| ✓ | Wallet Transfer | ✓ |
| ✓ | 2FA Security | ✓ |
| ✓ | BaFin License | ✓ |
| ✓ | Mobile App | ✓ |
- Regulated under MiCA with authorisations in Austria, Germany and Malta
- Multi-asset broker: crypto, stocks, ETFs, ETCs and precious metals in one place
- Fractional shares and savings plans from a €1 order
- Tell-a-Friend reward of up to €100 for both sides
- Tiered fee in 7 steps, from 0.25% down to 0.02%
- Native TradingView charts and pro order types
- Public REST API
- BaFin licensing via the Bitpanda ecosystem
The five areas head to head
AI AnalysisFees & Costs
According to reviews, users often express criticism regarding fees and costs. The fees are repeatedly described as high or too expensive. Overall, users tend to perceive the cost area rather negatively in the reviews.
No separate analysis -- based on Bitpanda.
Usability & User Experience
Users especially appreciate Bitpanda’s clear interface and intuitive app. According to reviews, the platform is often described as easy to use, which is highlighted particularly positively when getting started. However, some users occasionally report that the app does not always work smoothly.
No separate analysis -- based on Bitpanda.
Features & Offering
Users would like an iPad app, a chart widget, the display of the average price, as well as limit buys. In addition, some users suggest a larger coin selection. An Apple Watch widget and a widget for favorites are also occasionally requested.
No separate analysis -- based on Bitpanda.
Stability & Security
According to user reports, there is occasional criticism of Bitpanda’s app functionality. Some users report that the app does not always work or crashes in individual cases. In addition, some users describe experiences with a blocked account.
No separate analysis -- based on Bitpanda.
Customer Support
Support is frequently praised by users for quick help, prompt replies, and competent feedback. According to reviews, many users report positive service experiences, especially regarding response speed. However, it is occasionally criticized that inquiries are not answered or that support does not respond as expected.
No separate analysis -- based on Bitpanda.
Details
| Bitpanda GmbH | Company | Bitpanda GmbH |
| 2014 | Founded | 2014 |
| MiCA authorisations in Austria (FMA), Germany (BaFin) and Malta | Regulation | MiCA license via BaFin |
| € 1 | Minimum Amount | € 1 |
| eID, Photo ID | KYC | eID, Photo ID |
Verdict
In our overall rating Bitpanda Fusion leads with 4.6 against 4.3 for Bitpanda.
On disclosed fees you pay €7.40 less at Bitpanda Fusion per €1,000 purchase.
For most investors Bitpanda Fusion is therefore the better choice.
Bitpanda is a Vienna-based broker for crypto assets, stocks, ETFs and precious metals and reports more than 7 million users. Its crypto services in the EU now run under MiCA: the ESMA register lists three authorised Bitpanda companies, Bitpanda GmbH via the Austrian FMA since April 2025, Bitpanda Asset Management GmbH via BaFin in Germany since January 2025 and BP23 CA Limited via the Maltese MFSA. In August 2026 the FMA published a fine of €70,000 against Bitpanda GmbH: a crypto white paper reached the regulator too late and was advertised before it was published. Our analysis of the MiCA penalty explains what it means for investors.
Bitpanda does not win on costs. Bitcoin costs 0.99 per cent per buy or sell, most altcoins 1.49 per cent and small caps 2.49 per cent. Frequent traders pay noticeably more with percentage fees at this level than on an exchange with an order book; our crypto exchange comparison puts the cost per €1,000 side by side. In return, Bitpanda bundles savings plans, staking, crypto indices, stocks and ETFs at €1 per trade and physical precious metals in one app, and the account, custody and fiat deposits and withdrawals cost nothing.
User reviews draw the same picture: the app is praised as clear and easy to use, and costs are the most common complaint. Bitpanda suits investors who want to build up crypto and other asset classes over time in a regulated EU account. If the lowest trading fee is your priority, the comparison will point you to a better fit.
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. A public REST API is available for algorithmic trading, and Bitpanda has announced a WebSocket API. 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.