Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitpanda is the better choice for Krypto-Anleger, while Comdirect wins for Full-Service Bank Customers. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Bitpanda | Comdirect | Difference |
|---|---|---|---|
| Order fee per trade | 1.49 € | 9.90 € | 8.41 € cheaper at Bitpanda |
| 10y savings plan cost @ €100/month | 0 € | 1.188 € | 1.188 € cheaper at Bitpanda |
| Free ETF savings plans | 0 | 150 | +150 more at Comdirect |
| Available exchanges | 1 | 1 | identical |
| BMInsider rating | 4.0/5 | 3.7/5 | +0.3 at Bitpanda |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Bitpanda | Comdirect | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | ~1.49 % spread | 4.90€ + 0.25% (min 9.90€) | Bitpanda |
| ETF Savings Plan Fee | - | 1.5% | Bitpanda |
| Account Fee | 0€/Year | 0€ (with activity) / 1.95€/Month otherwise | Tie |
| Minimum Deposit | €1 | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | Bitpanda | ||
| Options | Comdirect | ||
| CFDs | Tie | ||
| Fractional Shares | Bitpanda | ||
| Number of Exchanges | Krypto-Spot | Alle deutschen + internationale Börsen | Tie |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Comdirect | ||
| Demo Account | Comdirect | ||
| Security & Regulation | |||
| Regulated by | FMA · BaFin · MiCA | BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2014 | 1994 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Bitpanda |
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 Bitpanda →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Bitpanda →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: Krypto-Anleger, Bitcoin-Käufer, Aktive Krypto-Trader.
Comdirect is a full-service bank with comprehensive securities offerings. For investors who want everything from one provider.
Particularly suitable for: Full-Service Bank Customers, Derivatives Trading, Experienced Investors.
Bitpanda (Vienna, BaFin/FMA/MiCA, EUR base) and comdirect (Commerzbank subsidiary, BaFin, fully steuereinfach) are multi-asset platforms with different emphasis. Bitpanda: 3 500+ crypto coins, 9 000+ stocks/ETFs at €1/order, physical precious metals, AT steuereinfach. comdirect: €4.90 + 0.25% order, 576 action ETFs without savings-plan fee, current account integration, fully steuereinfach DE.
Honest take: comdirect for classic DACH bank setup. Bitpanda for crypto + precious metals in one app.
You want real crypto coins. Bitpanda 3 500+ coins. comdirect only ETNs.
You want physical precious metals. Bitpanda gold/silver/platinum/palladium.
You want €1 stock buys. Bitpanda €1 flat. comdirect €9.90 min order.
You want AT steuereinfach. Bitpanda 27.5% AT KESt automatic.
You want Bitpanda Crypto Index. Curated crypto bundles.
You want bonds and classic mutual funds. comdirect broad. Bitpanda not.
You want 576 action ETFs without savings-plan fee. comdirect until end 2027.
You want current account + savings + brokerage. comdirect full bank.
You want full DE steuereinfach. comdirect KESt on all assets. Bitpanda only securities.
You want VL savings plans. comdirect.
comdirect fully steuereinfach, Bitpanda only securities DE.
§23 EStG: Bitpanda spot + precious metals 1 year tax-free.
Austria: Bitpanda AT-steuereinfach. comdirect not.
Vorabpauschale: Both automatic.
Profile: 12 ETF savings plans at €200, 6 stocks at €2 000, 5 crypto at €500, 1 gold €1 000.
| Item | comdirect | Bitpanda |
|---|---|---|
| 12× ETF savings plan | €0 (action ETF) | €0 |
| 6× €2 000 stock | 6× €9.90 = €59.40 | 6× €1 + spread = ~€18 |
| 5× €500 crypto | 5× €9.90 + ETN spread = ~€65 | 5× €7.50 = €37.50 |
| 1× gold | only ETC | ~€16 |
| Yearly cost | ≈€124 | ≈€72 |
Bitpanda cheaper via €1 stocks and lower crypto fees. comdirect for bank-complete setup + VL.
Pick: comdirect.
Pick: Bitpanda.
Pick: Bitpanda.
Pick: comdirect.
Pick: Bitpanda.
Answers to the most common questions about Bitpanda vs Comdirect.
For order fees, Bitpanda leads at ~1.49 % spread, while Comdirect charges 4.90€ + 0.25% (min 9.90€). Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Bitpanda is regulated by FMA · BaFin · MiCA, Comdirect by BaFin. Both fall under EU oversight. Deposit protection: Bitpanda -, Comdirect 100.000€.
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: -, Comdirect: 100.000€. 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.
