Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitpanda is the better choice for Krypto-Anleger, while DEGIRO wins for International Stocks. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Bitpanda | DEGIRO | Difference |
|---|---|---|---|
| Order fee per trade | 1.49 € | 2.00 € | 0.51 € cheaper at Bitpanda |
| 10y savings plan cost @ €100/month | 0 € | 240 € | 240 € cheaper at Bitpanda |
| Available exchanges | 1 | 8 | +7 more at DEGIRO |
| BMInsider rating | 4.0/5 | 4.0/5 | identical |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Bitpanda | DEGIRO | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | ~1.49 % spread | 2€ + 0.03% (Europa) / 2€ + 0.05% (USA) | Bitpanda |
| ETF Savings Plan Fee | - | - | Bitpanda |
| Account Fee | 0€/Year | 0€/Year + 2.50€ Connectivity fee/Exchange/Year | Bitpanda |
| Minimum Deposit | €1 | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | Bitpanda | ||
| Options | DEGIRO | ||
| CFDs | Tie | ||
| Fractional Shares | Bitpanda | ||
| Number of Exchanges | Krypto-Spot | Xetra, Euronext, NYSE | DEGIRO |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | FMA · BaFin · MiCA | AFM / BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2014 | 2013 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Tie |
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 DEGIRO →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.
DEGIRO offers access to 50+ exchanges worldwide at low fees. Ideal for internationally diversified portfolios.
Particularly suitable for: International Stocks, Active Traders, Advanced Investors.
Bitpanda (Vienna, BaFin/FMA/MiCA) and DEGIRO (flatexDEGIRO Bank Amsterdam, BaFin/AFM) are both multi-asset platforms with different emphasis. Bitpanda offers 3 500+ crypto coins, 9 000+ stocks/ETFs at €1/order, physical precious metals. DEGIRO offers €1 ETF Core Selection, cheap Pan-EU stock buys (€3.90+), connectivity to 50+ exchanges, steuereinfach in Germany since 2021.
Honest take: Bitpanda is the pick for crypto + stocks + precious metals in one account. DEGIRO is the pick for active Pan-EU investors without crypto need.
You want real crypto coins. Bitpanda 3 500+ coins. DEGIRO no crypto.
You want physical precious metals. Bitpanda gold/silver/platinum/palladium. DEGIRO only metal ETCs.
You want crypto indices (BCI5/BCI10/BCI25). Bitpanda curated crypto bundles. DEGIRO no crypto.
You want stock buys at €1 flat. Bitpanda €1 flat. DEGIRO €1 Core Selection ETFs, other buys €2 + 0.03% (ETF) or €3.90 + 0.06% (stocks).
You want AT steuereinfachheit. Bitpanda withholds 27.5% AT KESt automatically. DEGIRO has no AT settlement.
You want cheapest Pan-EU stock buys. DEGIRO Milan, Madrid, Amsterdam, Helsinki from €3.90. Bitpanda €1 flat but narrower Pan-EU range.
You want bonds. DEGIRO offers bonds. Bitpanda none.
You want the German tax certificate on all securities. DEGIRO steuereinfach. Bitpanda steuereinfach for securities, crypto/precious metals in Anlage SO.
You want no crypto complexity. DEGIRO is pure securities broker without crypto temptation in the UI.
You want deep warrants/certificates market. DEGIRO broad. Bitpanda focuses on crypto + classic.
DEGIRO fully steuereinfach. Bitpanda steuereinfach for securities, crypto/precious metals self.
§23 EStG: Bitpanda spot crypto + precious metals 1 year tax-free. DEGIRO has no §23-relevant assets.
Austria — Bitpanda AT-specific. Bitpanda withholds 27.5% AT KESt automatically. DEGIRO has no AT settlement.
Vorabpauschale 2026: Both book ETFs automatically.
Profile: 12 ETF buys at €500, 6 stocks at €2 000, 5 crypto at €500, 1 gold buy €1 000.
| Item | DEGIRO | Bitpanda |
|---|---|---|
| 12× ETF Core Selection | 12× €1 + 11× €2 = €34 | €0 (savings plan) |
| 6× €2 000 stock | 6× (€3.90 + €1.20) = €30.60 | 6× €1 + spread = ~€18 |
| 5× €500 crypto | not offered | 5× €7.50 = €37.50 |
| 1× gold | only ETC | ~€16 |
| Yearly cost | ≈€65 (no crypto) | ≈€72 |
Bitpanda attractive via €0 savings plans and €1 stocks plus crypto/gold. DEGIRO cheaper on Pan-EU stock focus.
Pick: Bitpanda. DEGIRO has none.
Pick: DEGIRO. 50+ exchanges.
Pick: Bitpanda. AT KESt settlement.
Pick: DEGIRO. Bitpanda none.
Pick: DEGIRO. Pure securities broker.
Answers to the most common questions about Bitpanda vs DEGIRO.
For order fees, Bitpanda leads at ~1.49 % spread, while DEGIRO charges 2€ + 0.03% (Europa) / 2€ + 0.05% (USA). Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Bitpanda is regulated by FMA · BaFin · MiCA, DEGIRO by AFM / BaFin. Both fall under EU oversight. Deposit protection: Bitpanda -, DEGIRO 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: -, DEGIRO: 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.
