Bitpanda vs Coinbase Comparison
Bitpanda and Coinbase are practically level in our overall rating, 4.3 to 4.2 out of 5 points. Our table lists the trading fee as “0.99 %” for Bitpanda and “up to 1.875% + spread” for Coinbase. If you care most about fees and support, Bitpanda has the better sub-scores, while Coinbase leads on usability and stability.
| 0.99 % | Fees | up to 1.875% + spread |
| € 9.90 | Minimum cost per €1,000 | up to € 18.75 + spread |
| 650+ | Cryptos | 404 |
| 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 | First company with BaFin crypto license. Deficiencies flagged in 2022, since remediated. MiCA via Luxembourg. |
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 A price markup in the spread is not included, because most providers do not publish it.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 | up to € 18.75 + spread |
| 0.99 % | Fees | up to 1.875% + spread |
| € 2.91 | Wallet transfer | € 0.24 |
| Yes | Cost transparency | No |
| € 1 | Minimum Amount | € 1 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal |
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.
Not enough reviews available.
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
- Savings plan from a one euro minimum
- More than 260 cryptocurrencies available
- First company with a BaFin crypto custody licence, MiCA authorisation via Luxembourg
- Broad choice of payment routes including PayPal
- Staking and wallet transfers available
- Fee of up to 1.875% depending on the payment method, high in this comparison
- Costs compound across many small instalments
- Limited cost transparency on direct purchases
- Withdrawal fees only visible when withdrawing the respective cryptocurrency
Score Comparison
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.
Not enough reviews available.
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
| available | Savings plan | not specified |
| available | Staking | not specified |
| available | Wallet transfer | not specified |
| available | Cost transparency | not specified |
| available | 2FA security | not specified |
| available | SEPA instant transfer | not specified |
| available | Credit card | not specified |
| available | PayPal | not specified |
| available | Mobile app (iOS/Android) | not specified |
| available | Web platform | not specified |
- 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
- Savings plan from one euro
- 260+ cryptocurrencies
- BaFin licence and MiCA authorisation
- Payment by PayPal supported
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.
According to the Coinbase help page (retrieved 9 October 2026), the Coinbase fee is up to 1.875% depending on the payment method, plus a spread in the price; on a 1,000 euro purchase that comes to up to 18.75 euro. That is high in this comparison, particularly for a savings plan with many small instalments. Withdrawal fees apply on top; they are calculated dynamically and only become visible when withdrawing the respective cryptocurrency, which limits cost transparency. As of August 2026.
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.
Setup is straightforward and manageable for newcomers without prior experience. An education programme awards crypto rewards for completed learning modules. As of August 2026.
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.
The savings plan can be set up from one euro and covers more than 260 cryptocurrencies. Staking products and transfers to external wallets round out the offering. Payment routes include SEPA transfer, SEPA instant transfer, card and PayPal. Identity verification runs through eID or video identification. As of August 2026.
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.
Not enough reviews available.
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.
Not enough reviews available.
Details
| Bitpanda GmbH | Company | Coinbase Global, Inc. |
| 2014 | Founded | 2012 |
| MiCA authorisations in Austria (FMA), Germany (BaFin) and Malta | Regulation | First company with BaFin crypto license. Deficiencies flagged in 2022, since remediated. MiCA via Luxembourg. |
| € 1 | Minimum Amount | € 1 |
| eID, Photo ID | KYC | eID, VideoIdent |
Verdict
Both providers are practically level in our overall rating (4.3 to 4.2).
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.
The Coinbase savings plan targets investors who want to buy regularly and automatically rather than trying to time an entry. The barrier is as low as it gets at a one euro minimum, the range covers more than 260 cryptocurrencies, and execution runs without further intervention.
On regulation Coinbase stands well in Europe: it was the first company to hold a BaFin crypto custody licence, deficiencies identified in 2022 have been remedied according to the company, and MiCA authorisation runs through Luxembourg. Payment routes include SEPA transfer, SEPA instant transfer, card and PayPal — an unusually broad selection for the European market.
The sore point is price: up to 1.875% per purchase, depending on the payment method, is high in this comparison, so up to 18.75 euro on 1,000 euro. Across a savings plan with many small instalments that compounds noticeably over the years. Investors who value convenience and regulatory footing above the last fraction of a percent are well served; anyone watching costs should weigh the fees against cheaper savings plan providers.