Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitpanda is the better choice for Active Crypto Traders, while Bitvavo wins for HODL Investors. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Bitpanda | Bitvavo | Difference |
|---|---|---|---|
| Order fee per trade | 1.49 € | 0.25 € | 1.24 € cheaper at Bitvavo |
| 10y savings plan cost @ €100/month | 0 € | 30 € | 30 € cheaper at Bitpanda |
| Available exchanges | 1 | 1 | identical |
| BMInsider rating | 4.0/5 | 4.3/5 | +0.3 at Bitvavo |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Bitpanda | Bitvavo | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | ~1.49 % spread | 0.25 % | Bitvavo |
| ETF Savings Plan Fee | - | - | Bitpanda |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | €1 | €1 | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Bitpanda | ||
| ETFs | Bitpanda | ||
| Crypto | Tie | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Crypto spot | Crypto spot | Tie |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | FMA · BaFin · MiCA | DNB · MiCA | Tie |
| Deposit Protection | - | - | Tie |
| Founded | 2014 | 2018 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Bitvavo |
Depending on your strategy and experience, one broker fits better. Here's how to decide:
Low barriers, simple app, demo account and no hidden costs — perfect to get started.
More about Bitvavo →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Bitvavo →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Bitpanda →Bitpanda is Austria's largest crypto platform, founded in Vienna in 2014. Regulated by the Austrian FMA and German BaFin, with savings plans and an integrated stocks/ETFs/metals offering — though at higher fees than pure crypto exchanges.
Particularly suitable for: Crypto Investors, Bitcoin Buyers, Active Crypto Traders.
Bitvavo is the leading crypto exchange for price-conscious European investors. Regulated by the Dutch central bank (DNB) and fully MiCA-licensed since 2025 — at 0.25% spot fee, one of the cheapest EU options.
Particularly suitable for: Crypto Investors, Bitcoin Buyers, HODL Investors.
Bitpanda (FMA Austria + BaFin DE + MiCA, Standard ~1.49% spread / Pro 0.10–0.15%, 250+ coins, stocks + ETFs + gold) and Bitvavo (DNB + AFM Netherlands, MiCA, 0.03–0.25% maker/taker, 200+ coins, spot only) are both fully EU-regulated MiCA venues — the question is breadth vs price. Bitpanda: multi-asset all-in-one + AT KESt-Quellensteuer automatic + Bitpanda Bank (BaFin). Bitvavo: cheapest EU spot fees + cleanest UI + German support.
Honest take: Bitpanda for AT residents wanting one app for everything + zero tax paperwork. Bitvavo for DE/EU spot-only investors who care about fee floor.
You're Austrian and want 27.5% KESt auto-withheld.
You want crypto + stocks + ETFs + gold on one app.
You want a BaFin-licensed bank (Bitpanda Bank) as custodian.
You want Bitpanda Visa Debit Card with crypto cashback.
You want fractional shares + crypto savings plans from €1.
You want cheaper spot crypto fees (0.25% baseline vs Pro 0.15%).
You want free SEPA-Instant deposits / withdrawals.
You want simpler UI for spot-only buy-and-hold.
You want staking on 25+ assets, no lock-up.
You don't need stocks / ETFs / gold via the same app.
Bitpanda Pro deducts AT 27.5% KESt-Quellensteuer automatically — zero paperwork for Austrians. Bitvavo: AT investor self-declares via §27 BAO. DE: both report via Anlage SO; §23 EStG 1-year holding tax-free on spot. Bitvavo + Bitpanda CSV exports both clean for CoinTracking import.
| Item | Bitvavo | Bitpanda Pro |
|---|---|---|
| 20 spot trades €1 000 | ~€50 (0.25%) | ~€30 (0.15%) |
| 12 stock buys €500 | not offered | ~€20 (1% spread) |
| ETF savings plan €100/mo | not offered | ~€15 / yr |
| AT KESt handling | self-declare | auto (€0 effort) |
| Balance (AT investor) | −€50 + AT tax filing | −€65 + zero paperwork |
Pick: Bitpanda. KESt-Quelle saves hours every March.
Pick: Bitvavo.
Pick: Bitpanda.
Pick: Bitvavo.
Pick: Bitpanda Standard. Easier UI, multi-asset.
Answers to the most common questions about Bitpanda vs Bitvavo.
For order fees, Bitvavo leads at 0.25 %, while Bitpanda charges ~1.49 % spread. Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Bitpanda is regulated by FMA · BaFin · MiCA, Bitvavo by DNB · MiCA. Both fall under EU oversight. Deposit protection: Bitpanda -, Bitvavo -.
For German/Austrian customers, language, BaFin regulation and tax-simple status often matter most. Check the 'Regulated by' and 'Languages' rows — DACH-focused brokers usually have the edge.
Bitpanda offers free ETF savings plans from €1. If a savings plan matters to you, that's a clear edge.
Both are covered under their home regulator's deposit protection. Bitpanda: -, Bitvavo: -. Securities are held in segregated accounts and protected in case of broker insolvency.
Neither broker pays meaningful interest on uninvested cash. Look elsewhere if cash yield matters.
Both offer native mobile apps with good app-store ratings. Which is better depends on your needs — try both with a demo account if available.
A second broker makes sense when one offers features the other lacks (e.g. options, crypto, more exchanges). A full switch is only worth it if the cost difference or missing features are significant.
Sign up with the broker that fits your strategy. Both are regulated and offer a demo account to test risk-free.
