Bitpanda vs KuCoin Comparison
In our overall rating Bitpanda leads with 4.3 out of 5 points, ahead of KuCoin with 3.9. Our table lists the trading fee as “from 0.99%” for Bitpanda and “0.1% maker/taker (spot)” for KuCoin. If you care most about stability and support, Bitpanda has the better sub-scores, while KuCoin leads on features and fees.
| from 0.99% | Fees | 0.1% maker/taker (spot) |
| € 9.90 | Minimum cost per €1,000 | — |
| 650+ | Cryptos | — |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | — |
| MiCA authorisations in Austria (FMA), Germany (BaFin) and Malta | Regulation | MiCA licence from the FMA (Austria) since 27 Nov 2025, FMA does not yet permit commencement of operations |
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 A price markup in the spread is not included, because most providers do not publish it.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 | — |
| from 0.99% | Fees | 0.1% maker/taker (spot) |
| € 2.91 | Wallet transfer | — |
| Yes | Cost transparency | — |
| € 1 | Minimum Amount | €10 per order (BTC/EUR) |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | — |
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 24 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.
Note, as of 21 October 2026: KuCoin EU states on its website that trading and deposits have been suspended since 4 February 2026. The table shows the rates KuCoin EU lists in its fee schedule.
| Transaction | Cost at KuCoin EU |
|---|---|
| Spot trading, base tier VIP 0 | 0.1% maker, 0.1% taker |
| Spot trading, VIP 3 | 0.075% maker, 0.09% taker |
| Spot trading, VIP 6 | 0.025% maker, 0.05% taker |
| Spot trading, VIP 12 | 0% maker, 0.025% taker |
| EUR deposits and withdrawals | via SEPA and SEPA Instant, fee shown before the withdrawal |
| Crypto withdrawals | network fee per coin |
How to save: Rates fall as your VIP tier rises. Users who already hold VIP status at another exchange can apply at KuCoin EU for a tier two levels higher for 60 days. We compare MiCA-licensed exchanges that are open for trading in our crypto exchange comparison.
Fees as of 21 October 2026 according to KuCoin EU VIP tiers and fees.
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
- Tell-a-Friend bonus only from €500 of purchases by the referred friend
- €70,000 FMA fine in August 2026 over MiCA white paper duties
- 700+ coins – a vast altcoin selection
- Spot fees from 0.1% maker and taker
- MiCA CASP licence (FMA Austria, November 2025)
- Wide feature set: spot, futures, bots, earn products
- Trading and deposits at KuCoin EU suspended since 4 February 2026 (as of 21 October 2026)
- Historically no local European support structures
- 2023 US settlement still weighs on its record
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.
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
- Altcoin heavyweight with 700+ coins
- MiCA licence in hand, trading at KuCoin EU suspended since February 2026
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.
Spot at KuCoin EU: 0.1% maker and 0.1% taker in the base tier, falling with the VIP tier to 0% maker and 0.025% taker. According to KuCoin EU, trading and deposits have been suspended since 4 February 2026 (as of 21 October 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.
Not enough reviews available.
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.
Not enough reviews available.
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 | KuCoin EU Exchange GmbH |
| 2014 | Founded | 2017 |
| MiCA authorisations in Austria (FMA), Germany (BaFin) and Malta | Regulation | MiCA licence from the FMA (Austria) since 27 Nov 2025, FMA does not yet permit commencement of operations |
| € 1 | Minimum Amount | €10 per order (BTC/EUR) |
| eID, Photo ID | KYC | — |
Verdict
In our overall rating Bitpanda leads with 4.3 against 3.9 for KuCoin.
For most investors Bitpanda is therefore the better choice.
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.
KuCoin has been a fixture for altcoin traders for years. Its EU position is difficult as of October 2026: the Austrian MiCA licence has been granted, but according to the company, trading and deposits at KuCoin EU have been suspended since 4 February 2026. If regulatory certainty inside the EU is your priority, fully operational MiCA venues such as Bitpanda, Bybit EU or Kraken are the safer bet for now.