Bitpanda review

Bitpanda is the European answer to the all-in-one investing app: one account holds crypto, stocks, ETFs, precious metals and commodities, with a clean interface aimed squarely at first-time investors. Founded in Vienna in 2014, it now serves more than 7 million users and has grown into one of the continent's best-funded fintechs.

Regulation is its strongest card. Bitpanda became the first major platform to win a MiCA licence in Germany through BaFin in early 2025, then added licences in its home market of Austria with the FMA and in Malta, giving it three MiCA authorisations and passporting rights across the EEA. For European buyers who want a venue built around EU rules rather than retrofitted to them, that matters.

The trade-off is price. Bitpanda runs on a broker model: instead of an order book with maker and taker fees, it quotes a spread that is typically around 1.49% on major coins, with deposits free via SEPA. Active traders should switch to Bitpanda Fusion, the pro interface, where fees fall to around 0.10% to 0.15%. Holding the BEST token cuts costs further and lifts savings-plan rewards.

Beyond trading, Bitpanda offers staking, automated savings plans from one euro, and a Visa debit card that spends any asset in the account. It is genuinely beginner-friendly and broad, but the standard spread means cost-focused crypto traders will pay more here than on a pure exchange.