Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitpanda is the better choice for Krypto-Anleger, while eToro wins for Social Trading. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Bitpanda | eToro | Difference |
|---|---|---|---|
| Order fee per trade | 1.49 € | 0.00 € | 1.49 € cheaper at eToro |
| 10y savings plan cost @ €100/month | 0 € | 0 € | identical |
| Interest on €10,000 cash (1 year) | — | 4.55 % = 455 € | +455 € more at eToro / year |
| Available exchanges | 1 | 1 | identical |
| BMInsider rating | 4.0/5 | 3.9/5 | +0.1 at Bitpanda |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Bitpanda | eToro | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | ~1.49 % spread | 0€ (Aktien) / Spread (CFDs & Krypto) | eToro |
| ETF Savings Plan Fee | - | - | Bitpanda |
| Account Fee | 0€/Year | 0€ + $5 Auszahlungsgebühr | Tie |
| Minimum Deposit | €1 | $50 | Tie |
| Interest on Cash | 0% | bis 4.55% (eToro Money) | eToro |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | Tie | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Krypto-Spot | eToro-intern | Tie |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | eToro | ||
| Security & Regulation | |||
| Regulated by | FMA · BaFin · MiCA | CySEC / FCA | Tie |
| Deposit Protection | - | €20.000 (ICF) | Tie |
| Founded | 2014 | 2007 | 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 eToro →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about eToro →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about eToro →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.
eToro combines social trading with commission-free stock trading. Ideal for beginners who want to learn from experienced traders.
Particularly suitable for: Social Trading, Beginners, Copy Trading, Crypto.
Bitpanda (Vienna, BaFin/FMA/MiCA, EUR base) and eToro (eToro Europe Ltd., CySEC Cyprus, USD base) are both multi-asset platforms with different approaches. Bitpanda: 3 500+ crypto coins, 9 000+ stocks/ETFs at €1/order, physical precious metals, AT steuereinfach. eToro: 100+ crypto coins at 1% flat, real stocks/ETFs without commission (spread 0.09–0.39%), CopyTrader, Smart Portfolios — but USD account and $5 withdrawal fee.
Honest take: Bitpanda for DACH investors with EUR need, crypto breadth and precious metals. eToro for social trading and US stock focus.
You want the broadest crypto range. Bitpanda 3 500+ coins. eToro 100+.
You want physical precious metals. Bitpanda gold/silver/platinum/palladium with delivery. eToro only gold-price CFDs.
You want EUR base without FX friction. Bitpanda EUR. eToro USD-only.
You want no $5 withdrawal fee. Bitpanda SEPA free.
You want AT steuereinfach. Bitpanda 27.5% AT KESt automatic.
You want social trading / CopyTrader. eToro market leader. Bitpanda no social function.
You want cheap US stocks. eToro 0.15% spread on US stocks. Bitpanda €1 + spread on US stocks.
You want Smart Portfolios. eToro curated theme bundles. Bitpanda only Bitpanda Crypto Index.
You want CFDs. eToro CFDs available. Bitpanda not.
Both DE: not fully steuereinfach. Bitpanda securities steuereinfach DE; eToro gross.
Austria: Bitpanda AT-steuereinfach. eToro not.
§23 EStG: Both crypto spot 1 year tax-free.
USD account at eToro: FX tracking required.
Profile: 6 crypto buys at €500, 6 US stocks at $1 000, 1 gold buy €1 000, 1 EUR withdrawal €3 000.
| Item | Bitpanda | eToro |
|---|---|---|
| 6× €500 crypto | 6× €7.50 = €45 | 6× €5 (1%) = €30 |
| 6× $1 000 US stock | 6× (€1 + spread) = ~€12 | ~€8 (0.15% spread) |
| 1× gold | ~€16 | only CFD |
| EUR withdrawal | €0 | ~€35 ($5 + FX) |
| Yearly cost | ≈€73 | ≈€73 |
Roughly tied — Bitpanda for precious metals + EUR comfort, eToro for social/US stock focus.
Pick: Bitpanda.
Pick: eToro.
Pick: Bitpanda.
Pick: eToro.
Pick: Bitpanda.
Answers to the most common questions about Bitpanda vs eToro.
For order fees, eToro leads at 0€ (Aktien) / Spread (CFDs & Krypto), 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, eToro by CySEC / FCA. Both fall under EU oversight. Deposit protection: Bitpanda -, eToro €20.000 (ICF).
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: -, eToro: €20.000 (ICF). Securities are held in segregated accounts and protected in case of broker insolvency.
eToro leads on cash interest at 4.55%. Watch the conditions — some brokers require a paid plan or cap the amount.
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.
