Bitpanda vs justTrade Comparison

In short: Bitpanda is the convenient way to collect crypto, stocks, ETFs and precious metals in one MiCA-regulated account: more than 650 crypto assets, savings plans from €1 and a Tell-a-Friend bonus of up to €100. The trading fee is 0.99% for Bitcoin and 1.49% for most altcoins.

Is Bitpanda safe and licensed in the EU?

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.

What the 2025 loss means for your funds: Bitpanda GmbH reported a loss of about €14 million for 2025, after a profit of €61.7 million the year before, on adjusted revenue of €371 million. Licensed providers must hold clients' crypto assets and money separately from their own assets under Articles 70 and 75 of MiCA, so a loss-making year does not directly affect client holdings. Our report on Bitpanda’s annual accounts shows what you can check yourself.

What does Bitpanda cost?

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.

Who is Bitpanda for?

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.

In the DACH region, justTrade was long perceived as a fee-free trading model. That is no longer the case: under the price and services list dated 8 June 2026, the bank charges an order commission of 0.125 % of the order volume for executing orders in crypto assets, plus the trading venue’s spread. It remains inexpensive by comparison, but it is not free. With 74 tradable cryptocurrencies as real coins, the broker offers a solid range, processed via the BaFin-licensed Sutor Bank. For cost-conscious investors who also want to trade stocks and ETFs alongside crypto, justTrade is considered one of the cheaper options.

Also appreciated is the ability to set up crypto savings plans, as well as the 20-% discount at Blockpit for crypto tax reports. The platform can be used via both app and web and is aimed at investors who prefer an uncomplicated trading environment. Staking via crypto ETPs is seen as a useful addition.

However, wallet transfers to personal wallets are not possible, which is occasionally criticized by users. The minimum deposit of 50 € and the SMS-based 2FA are also considered room for improvement. justTrade is therefore particularly suitable for price-conscious beginners and occasional investors looking for inexpensive access to crypto and securities in a regulated German environment.