Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitpanda is the better choice for Krypto-Anleger, while Interactive Brokers wins for Professionals. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Bitpanda | Interactive Brokers | Difference |
|---|---|---|---|
| Order fee per trade | 1.49 € | 1.00 € | 0.49 € cheaper at Interactive Brokers |
| 10y savings plan cost @ €100/month | 0 € | 120 € | 120 € cheaper at Bitpanda |
| Interest on €10,000 cash (1 year) | — | 4.33 % = 433 € | +433 € more at Interactive Brokers / year |
| Available exchanges | 1 | 1 | identical |
| BMInsider rating | 4.0/5 | 4.5/5 | +0.5 at Interactive Brokers |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Bitpanda | Interactive Brokers | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | ~1.49 % spread | $0.005/Aktie (min $1) or Fixed $1 | Interactive Brokers |
| ETF Savings Plan Fee | - | - | Bitpanda |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | €1 | 0€ | Tie |
| Interest on Cash | 0% | bis 4.33% (USD) | Interactive Brokers |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | Tie | ||
| Options | Interactive Brokers | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Krypto-Spot | 150+ Börsen in 33 Ländern | Tie |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Interactive Brokers | ||
| Demo Account | Interactive Brokers | ||
| Security & Regulation | |||
| Regulated by | FMA · BaFin · MiCA | SEC / FCA / BaFin | Tie |
| Deposit Protection | - | $500.000 (SIPC) | Tie |
| Founded | 2014 | 1978 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Interactive Brokers |
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 Interactive Brokers →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Interactive Brokers →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Interactive Brokers →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.
Interactive Brokers is the professional's choice with access to 150+ exchanges, all product classes, and the lowest fees for active traders.
Particularly suitable for: Professionals, Active Traders, International Investors, Options Trading.
Bitpanda (Vienna, BaFin/FMA/MiCA) and Interactive Brokers (IBKR Ireland Limited, CBI EU licence) are both multi-asset platforms with different focus. Bitpanda offers 3 500+ crypto coins, 9 000+ stocks/ETFs at €1/order, physical precious metals, AT steuereinfach. IBKR offers ~150 markets globally, FX 0.002%, US options, futures, multi-currency margin — and 4 crypto coins via Paxos.
Honest take: IBKR is the pick for global pro strategies with real stocks, options, futures. Bitpanda is the pick for DACH investors with crypto + precious-metal focus.
You want the broadest crypto range. Bitpanda 3 500+ coins. IBKR only 4 coins.
You want physical precious metals. Bitpanda gold/silver/platinum/palladium with delivery option. IBKR precious metals only as futures/CFDs.
You want Bitpanda Crypto Index (BCI5/10/25). Curated crypto portfolios. IBKR no crypto indices.
You want automatic AT KESt settlement. Bitpanda 27.5% AT KESt. IBKR has no AT tax settlement.
You want €1 flat stock buys. Bitpanda. IBKR has $1 min/trade.
You need US options, futures, bonds. IBKR global pro access. Bitpanda only crypto/stocks/ETFs/precious metals.
You use multi-currency margin. IBKR multi-currency account. Bitpanda EUR base.
You want the tightest FX spreads. IBKR 0.002%. Bitpanda has crypto/EUR setup, no FX trading focus.
You need pro API for algos. IBKR TWS/REST/FIX. Bitpanda API limited.
You want ~150 global markets. IBKR. Bitpanda primarily EU.
Neither DE-steuereinfach. Bitpanda steuereinfach for securities (DE) and fully steuereinfach in AT. IBKR gross.
§23 EStG: Bitpanda spot crypto + precious metals 1 year tax-free. IBKR crypto via Paxos also §23.
Multi-currency tax at IBKR: FX movements taxable.
Vorabpauschale: Bitpanda books ETFs automatically.
Profile: 50 US stocks at $2 000, 12 US options, 6 crypto at €500, 1 gold €1 000.
| Item | IBKR Pro | Bitpanda |
|---|---|---|
| 50× US stock $2 000 | ≈€50 | 50× €1 + spread = ~€75 |
| 12× US options | ≈€10 | not offered |
| 6× €500 crypto | ~€5.40 (Paxos) | 6× €7.50 = €45 |
| 1× gold €1 000 | only futures/CFD | ~€16 |
| Yearly cost | ≈€65 | ≈€136 |
IBKR cheaper on US pro profile. Bitpanda for crypto breadth + precious metals — use complementarily.
Pick: IBKR Pro.
Pick: Bitpanda.
Pick: Bitpanda. AT KESt settlement.
Pick: IBKR.
Both in parallel.
Answers to the most common questions about Bitpanda vs Interactive Brokers.
For order fees, Interactive Brokers leads at $0.005/Aktie (min $1) oder Fixed $1, 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, Interactive Brokers by SEC / FCA / BaFin. Both fall under EU oversight. Deposit protection: Bitpanda -, Interactive Brokers $500.000 (SIPC).
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: -, Interactive Brokers: $500.000 (SIPC). Securities are held in segregated accounts and protected in case of broker insolvency.
Interactive Brokers leads on cash interest at 4.33%. 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.
