Bitpanda Broker Crypto Exchange Review 2025: Fees, Assets, and Is It Right for You?
If you're in Europe and looking for a crypto exchange that also lets you buy stocks, gold, and ETFs without switching apps, Bitpanda might be the only platform you need. As of 2025, it serves over 7 million users across 40+ European countries, and it’s one of the few exchanges officially approved under the EU’s new MiCAR regulation. That’s not just a buzzword-it means your money is protected under strict financial rules that most global exchanges don’t follow.
Unlike Coinbase or Binance, Bitpanda doesn’t just trade Bitcoin and Ethereum. It’s built for people who want to invest in everything digital: crypto, real stocks like Apple or Tesla, silver bars, oil futures, and even ETFs-all from one dashboard. No more juggling five different apps. But is it simple enough for beginners? And are the fees really as good as they claim? Let’s break it down.
What You Can Actually Buy on Bitpanda
Bitpanda doesn’t just offer 120 cryptocurrencies-it offers over 650, including obscure tokens and region-specific stablecoins like EURC. But here’s what sets it apart: you can also trade 3,000+ digital assets total. That includes:
- 650+ cryptocurrencies (Bitcoin, Ethereum, Solana, Dogecoin, etc.)
- 3,000+ stocks and ETFs (Apple, Netflix, S&P 500 ETFs)
- Precious metals (gold, silver, platinum in gram-sized units)
- Commodities like crude oil and natural gas
That’s rare. Most exchanges stick to crypto. Bitpanda treats your portfolio like a Swiss bank account for digital assets. You can buy 0.001 grams of gold with €1 and hold it alongside your Bitcoin. No minimums. No weird conversion steps. Just click, pay, and own.
There’s also something called Thematic Portfolios. These are pre-built bundles like "Core Crypto" (Bitcoin, Ethereum, Cardano), "AI & Tech", or "Green Energy". They auto-rebalance monthly so you don’t have to chase trends. If you’re not into daily trading, this is the easiest way to stay diversified.
Fees: Transparent? Not Exactly
Bitpanda’s fee structure is its biggest headache-and its biggest opportunity.
On the standard trading interface, fees are capped at 1.49% per trade. That’s higher than Binance’s 0.1% or Kraken’s 0.16%. But here’s the catch: Bitpanda doesn’t charge deposit or withdrawal fees. That’s huge. On other platforms, you pay €1-€5 just to send money in or out. Bitpanda doesn’t. And if you’re buying gold or stocks, there are no custody fees.
For serious traders, there’s Bitpanda Fusion. It’s a professional trading terminal with fees as low as 0.1% for high-volume users. You get limit orders, stop-losses, and advanced charting tools. But you have to opt in-it’s not the default view. Most beginners never find it.
Experts like Blockig and BTCC point out that fees aren’t clearly displayed upfront. You might think you’re paying 0.99%-until you see the final price includes hidden spreads. It’s not a scam, but it’s not transparent either. If you’re trading under €500 monthly, stick to the standard interface. If you’re trading over €2,000, switch to Fusion. The savings add up fast.
Security: Regulated, Not Just Secure
Bitpanda doesn’t just use cold wallets-it’s legally required to. As an EU-regulated entity under Austria’s FMA and Germany’s BaFin, it must hold 100% of customer assets in trust. That means your Bitcoin isn’t being lent out to hedge funds or used as collateral. Ever.
They store assets in offline wallets, use two-factor authentication (2FA), and support hardware wallets like Bitpanda Ledger. No major hacks since launch. That’s rare. In 2022, over $2 billion was stolen from crypto exchanges. Bitpanda stayed clean.
Even better: your funds are protected under EU investor compensation schemes. If something catastrophic happened (and it’s unlikely), you could recover up to €20,000. Most U.S.-based exchanges don’t offer that.
Who Is Bitpanda Actually For?
Bitpanda isn’t for everyone. But if you fit any of these profiles, it’s one of the best choices in Europe:
- Beginners who want to start with crypto but also dabble in stocks or gold. The app is clean, guided, and doesn’t overwhelm you with charts.
- Passive investors who like automated portfolios. The thematic bundles and yield programs (49 assets with up to 12% APY) require zero effort.
- Regulation-focused users who won’t use an exchange without EU licensing. MiCAR approval is a big deal-it’s like a financial seal of approval.
- Multi-asset investors who hate switching platforms. One app for crypto, stocks, and metals? That’s a time-saver.
But if you’re a hardcore trader who only cares about low fees and 500+ altcoins, Bitpanda’s standard interface might feel expensive. And if you’re in the UK, you’re out of luck-service was suspended in 2025. No word on when it’s coming back.
Bitpanda vs. Coinbase: The Real Difference
People always compare Bitpanda to Coinbase. Here’s the truth:
| Feature | Bitpanda | Coinbase |
|---|---|---|
| Regulation | EU MiCAR approved (FMA & BaFin) | US-regulated, no EU-wide license |
| Asset Types | Crypto + stocks + ETFs + metals + commodities | Crypto only (405+ coins) |
| Trading Fees | 1.49% standard, 0.1% on Fusion | 0.5%-1.5% + spread |
| Deposit/Withdrawal Fees | None | Up to €10 for bank transfers |
| Geographic Reach | 40+ European countries (not UK) | 100+ countries worldwide |
| Best For | European investors who want one app for everything | Global users focused only on crypto |
Bitpanda wins if you want simplicity, regulation, and diversity. Coinbase wins if you need access to the most obscure altcoins or live outside Europe.
The Bitpanda Card: Crypto That Spends Like Cash
One of the most underrated features is the Bitpanda Card. It’s a physical or virtual Visa card linked to your account. You can spend your Bitcoin, Ethereum, or gold directly-no conversion needed. The app auto-converts your crypto to EUR at the point of sale, and you get cashback in crypto.
It’s not the cheapest card out there, but it’s the only one that lets you spend gold or ETFs like regular money. If you’re tired of holding crypto and never using it, this card turns your portfolio into real-world purchasing power.
Bottom Line: Is Bitpanda Worth It in 2025?
Yes-if you’re in Europe and want a single platform that does more than just trade crypto. It’s not the cheapest for hardcore traders, but it’s the most complete for everyday investors. You get regulation, security, variety, and ease of use-all in one place.
The fees aren’t perfect. The interface hides advanced tools. And the UK ban is frustrating. But no other exchange in Europe offers the same mix of assets, safety, and simplicity.
If you’re just starting out, or if you’re tired of managing three different apps for crypto, stocks, and gold, Bitpanda is the closest thing to a financial Swiss Army knife you’ll find. Use the standard interface for small buys, upgrade to Fusion when you’re ready, and let the automated portfolios run in the background. It’s not flashy. But it works.
Is Bitpanda safe to use in 2025?
Yes. Bitpanda is regulated by Austria’s FMA and Germany’s BaFin under MiCAR, the EU’s strictest crypto rulebook. All customer assets are held in trust, stored in offline wallets, and never used for speculation. It has never suffered a major hack, and funds are protected under EU investor compensation schemes up to €20,000.
Can I trade stocks and crypto on Bitpanda at the same time?
Yes. Bitpanda lets you buy and hold Bitcoin, Ethereum, Apple stock, Tesla ETFs, and gold bars-all in one account. You can switch between asset types instantly without logging out or linking external accounts.
Why is Bitpanda not available in the UK?
Bitpanda suspended services in the UK in early 2025 due to regulatory uncertainty around the UK’s new crypto framework. The company has not announced a return date. UK users are currently unable to open new accounts or make deposits.
What’s the cheapest way to trade on Bitpanda?
Use Bitpanda Fusion, the professional trading platform. Fees drop to 0.1% for high-volume traders. The standard interface charges up to 1.49% per trade, so Fusion saves money if you trade over €2,000 monthly. There are no deposit or withdrawal fees on either version.
Does Bitpanda offer staking or yield on crypto?
Yes. Bitpanda offers yield on 49 different blockchain assets, with returns ranging from 2% to 12% APY. Unlike some platforms, there are no lock-up periods-you can withdraw your crypto anytime without penalties. This makes it ideal for users who want passive income without giving up liquidity.
How do I get started with Bitpanda?
Sign up with your email and ID (passport or driver’s license). Verification takes under 10 minutes. Once approved, you can deposit EUR via bank transfer (free) and start buying crypto, stocks, or gold. The app guides you through your first purchase. No technical knowledge needed.
Next Steps: Should You Try Bitpanda?
If you’re in Europe and want to move beyond basic crypto trading, Bitpanda is worth testing. Start small-buy €50 of Bitcoin and €20 of gold. See how the interface feels. Then try one of the thematic portfolios. If you like how it works, upgrade to Fusion and start trading more actively.
Don’t use it if you’re in the UK, need the widest selection of altcoins, or only care about ultra-low fees. But if you want one app to handle your entire digital portfolio-crypto, stocks, and precious metals-Bitpanda is the most complete option available today.