Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitpanda is the better choice for Krypto-Anleger, while Smartbroker+ wins for Free Trades. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Bitpanda | Smartbroker+ | Difference |
|---|---|---|---|
| Order fee per trade | 1.49 € | 0.00 € | 1.49 € cheaper at Smartbroker+ |
| 10y savings plan cost @ €100/month | 0 € | 0 € | identical |
| Free ETF savings plans | 0 | 2.000 | +2.000 more at Smartbroker+ |
| Available exchanges | 1 | 3 | +2 more at Smartbroker+ |
| 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 | Smartbroker+ | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | ~1.49 % spread | 0€ (gettex, from 500€) / 4€ (Xetra) | Smartbroker+ |
| ETF Savings Plan Fee | - | 0€ | Tie |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | €1 | 0€ | Tie |
| Interest on Cash | 0% | 0% | Tie |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | Tie | ||
| Options | Smartbroker+ | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Krypto-Spot | gettex, Xetra, und weitere | Smartbroker+ |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | FMA · BaFin · MiCA | BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2014 | 2019 | 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 Smartbroker+ →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Smartbroker+ →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.
Smartbroker+ offers free trades from €500 order volume and free Xetra access. A strong competitor to Trade Republic.
Particularly suitable for: Free Trades, Savings Plan Investors, Cost-Conscious Investors.
Bitpanda (Vienna, BaFin/FMA/MiCA, EUR base) and Smartbroker+ (BaFin, Berlin) are both multi-asset platforms. Bitpanda: 3 500+ crypto coins, 9 000+ stocks/ETFs at €1/order, physical precious metals, AT steuereinfach. Smartbroker+: €0 from €500 Gettex, 2 400 ETF savings plans, bonds + funds — no crypto, no precious metals.
Honest take: Smartbroker+ for classic DACH setup with bonds/funds. Bitpanda for crypto + precious metals.
You want real crypto coins (3 500+).
You want physical precious metals.
You want Bitpanda Crypto Index.
You want €1 stocks regardless of volume.
You want AT steuereinfach.
You want €0 orders from €500 Gettex.
You want bonds (25 000+) and classic funds.
You want free stock savings plans.
You want 2 400 ETF savings plans.
You want certificates and warrants.
Smartbroker+ fully steuereinfach DE. Bitpanda securities DE + fully AT. §23 EStG: Bitpanda spot + precious metals 1 year tax-free.
| Item | Smartbroker+ | Bitpanda |
|---|---|---|
| 6× stocks €5 000 Gettex | €0 | 6× €1 + spread = ~€18 |
| ETF savings plan | €0 | €0 |
| 5 crypto + 1 gold | not offered | ~€50 + €16 |
| Yearly cost | €0 (no crypto) | ≈€84 |
Smartbroker+ unbeatable on pure DACH setup. Bitpanda for crypto + precious metals.
Pick: Smartbroker+.
Pick: Bitpanda.
Pick: Smartbroker+.
Pick: Bitpanda.
Pick: Smartbroker+.
Answers to the most common questions about Bitpanda vs Smartbroker+.
For order fees, Smartbroker+ leads at 0€ (gettex, ab 500€) / 4€ (Xetra), 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, Smartbroker+ by BaFin. Both fall under EU oversight. Deposit protection: Bitpanda -, Smartbroker+ 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: -, Smartbroker+: 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.
