Bitpanda fees: a fixed charge on Bitpanda's own price

How Bitpanda charges you

Bitpanda works as a broker. When you tap Buy in the app, Bitpanda gives you a firm quote and the trade is done with Bitpanda, not with another customer. There is no public order book behind the app, so there is no market spread you can see and check. What you see instead is a fixed percentage per trade, set per coin group.

According to Bitpanda's cost overview (version 4.0.0, dated 8 July 2026):

On a €100 purchase of a coin in the 1.49% group, the fee comes to about €1.49. Bitcoin sits in the cheaper group; our bitcoin page shows how the platforms compare on it.

The part Bitpanda does not publish is how its quoted price compares with prices on exchanges at the same moment. Our comparison therefore takes Bitpanda's public price, adds the fee above and assumes no extra markup. If the price in the app is less favourable than that, your real cost is higher than the figure in our table. The details are on how we compare.

Bitpanda also runs a separate trading platform with an order book, Bitpanda Fusion. The same cost overview lists Fusion fees from 0.25% at the lowest volume level down to 0.02% for very large volumes. We do not include Fusion yet, which is why Bitpanda appears only in the simple app mode of our comparison.

Paying in and taking money out

Bitpanda states that no extra fees apply to card payments, Apple Pay or SEPA transfers when you deposit euros. That is why paying by card costs the same as paying from your euro balance in our comparison. Your bank or card issuer can still charge its own fees.

• Minimum trade: €1 to buy or sell an asset.
• Withdrawing euros: Bitpanda's limits page lists SEPA bank transfer as the way to take euros out, but does not show a fee for it.
• Sending crypto out: a withdrawal fee per coin, which Bitpanda says it adjusts regularly to the load on each network.
• Staking: Bitpanda keeps 20% of the rewards as its commission.

Licence and safety

Bitpanda GmbH received its MiCA authorisation from the FMA on 9 April 2025. According to ESMA's interim MiCA register, it may provide its services in all 30 countries of the European Economic Area, so the same licence applies whether you live in Spain, Poland or Ireland. You can see it next to the other platforms on our MiCA-licensed exchanges page.

• Custody: Bitpanda says it holds customers' crypto as a trustee, legally separated from its own assets, and that customers have a right of separation if Bitpanda becomes insolvent. It adds that a court or insolvency administrator could assess this differently.
• Your account: two-factor authentication is available, but you have to switch it on yourself.
• Supervision: on 14 August 2026 the FMA announced a fine of €70,000 against Bitpanda GmbH for breaching MiCA rules on crypto-asset white papers and marketing communications. The FMA describes the penalty as final. On 1 October 2026 it added that, at Bitpanda's request, it is reviewing whether publishing the fine was lawful.

Who Bitpanda suits

Bitpanda's model is easy to follow: one fee per trade, no difference between card and bank payments, and one app that also covers stocks, ETFs and precious metals. The trade-off is the size of that fee. Exchanges with an order book charge a smaller percentage per trade (0.25% at Bitvavo, for example), but there the spread depends on the market at that moment. Which route is cheaper for your coin and amount changes with the market, so check the live table above or run your own amount in the comparer.