Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitpanda is the better choice for Krypto-Anleger, while Trade Republic wins for Beginners. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Bitpanda | Trade Republic | Difference |
|---|---|---|---|
| Order fee per trade | 1.49 € | 1.00 € | 0.49 € cheaper at Trade Republic |
| 10y savings plan cost @ €100/month | 0 € | 0 € | identical |
| Interest on €10,000 cash (1 year) | — | 3.25 % = 325 € | +325 € more at Trade Republic / year |
| Free ETF savings plans | 0 | 2.200 | +2.200 more at Trade Republic |
| Available exchanges | 1 | 1 | identical |
| BMInsider rating | 4.0/5 | 4.3/5 | +0.3 at Trade Republic |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Bitpanda | Trade Republic | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | ~1.49 % spread | 1€ per Order | Trade Republic |
| ETF Savings Plan Fee | - | 0€ | Tie |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | €1 | 0€ | Tie |
| Interest on Cash | 0% | 3.25% | Trade Republic |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | Tie | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Krypto-Spot | LS Exchange | Tie |
| 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 | 2015 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Trade Republic |
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 Trade Republic →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Trade Republic →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Trade Republic →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.
Trade Republic is a German neo-broker with extremely low fees (€1 per trade) and free ETF savings plans. Ideal for beginners and savings plan investors.
Particularly suitable for: Beginners, Savings Plan Investors, Mobile-First.
Bitpanda (Bitpanda GmbH, Vienna, FMA/BaFin/MiCA since 2025) and Trade Republic (Trade Republic Bank GmbH, Berlin, BaFin and Bundesbank, German steuereinfach) are two multi-asset brokers with different crypto emphasis. Bitpanda focuses on crypto (3 500+ coins) plus real stocks and ETFs at €1/order; crypto fees 0.99% + ~0.5% spread (Bitpanda Pro 0.1–0.25% at volume). Trade Republic offers 8 000+ stocks, 2 400+ ETFs, ~50 crypto plus 2.75% instant savings in one app.
Honest take: Trade Republic is the pick for savings-plan investors with the German tax certificate and instant-savings integration. Bitpanda is the pick for crypto focus with broad coin range and Austrian-German MiCA licence.
You want broad crypto range. Bitpanda 3 500+ coins (all mid and small caps). Trade Republic ~50 coins, top-mainstream only.
You use Bitpanda Pro / Fusion for active trades. Bitpanda Pro maker fee from 0.1%, taker from 0.15% — at high volume 0.02%. Trade Republic crypto spread implicit ~0.99%.
You want crypto indices (Bitpanda Crypto Index). BCI5/BCI10/BCI25 — automated crypto portfolio with monthly rebalancing. Trade Republic has no crypto indices.
You want physical precious metals. Bitpanda offers gold/silver/platinum/palladium with delivery option. Trade Republic has no physical precious metals.
You want self-custody wallet withdrawal. Bitpanda allows crypto withdrawal to external wallets. Trade Republic crypto can't be withdrawn.
You want 2.75% instant savings on idle cash. Trade Republic pays 2.75% p.a. on up to €50 000 (as of 2026). Bitpanda pays no cash interest on EUR balance.
You want the German tax certificate on all assets. Trade Republic is steuereinfach for stocks, ETFs and crypto. Bitpanda withholds KESt only on securities; crypto trades under §23 EStG self-declared in Anlage SO.
You want cheap stock/ETF savings plans. Both from €1 minimum, both free. Trade Republic has 2 400+ savings-plan ETFs vs Bitpanda 1 200 — larger range at Trade Republic.
You want bond savings plans. Trade Republic offers bond savings plans from €1. Bitpanda has no bonds.
You want a slim German app without crypto complexity. Trade Republic UI focuses mobile-first retail. Bitpanda shows more crypto tooling (Pro, Fusion, custody options).
Germany — Trade Republic fully steuereinfach, Bitpanda only on securities. Trade Republic withholds 25% KESt on stocks, ETFs and crypto automatically. Bitpanda withholds KESt only on securities gains; crypto trades under §23 EStG self-declared in Anlage SO.
§23 crypto tax-free after 1 year: Applicable at both (allowance €1 000 below 1 year). Trade Republic tracks holding period in the certificate. Bitpanda: FIFO/LIFO document yourself.
Austria — Bitpanda AT-specific. Bitpanda as Austrian provider withholds 27.5% AT KESt automatically for AT users. Trade Republic has no Austrian KESt arrangement — AT users self-report via FinanzOnline E1kv.
Vorabpauschale 2026: Both book automatically.
Precious-metal tax: Bitpanda gold/silver: tax-free after 1 year holding (§23). Trade Republic has no precious metals.
Profile: 12 monthly €200 ETF savings plans, 4 manual €1 000 stock buys, 6 crypto buys at €500 (BTC/ETH), 1 precious-metal buy €1 000 gold, €10 000 idle EUR cash.
| Item | Trade Republic | Bitpanda |
|---|---|---|
| 12× €200 ETF savings plan | €0 | €0 |
| 4× €1 000 stock | 4× €1 = €4 | 4× €1 + spread ~0.2% = ~€12 |
| 6× €500 crypto | 6× ~€5 spread = €30 | 6× (€4.95 + €2.50 spread) = ~€45 |
| 1× €1 000 gold | not offered | ~€16 (1.49% + storage) |
| Cash interest €10 000 | +€275 (2.75%) | €0 |
| Net balance | +€241 gain | −€73 cost |
Trade Republic beats Bitpanda by ~€314 via cash interest — the dominant factor. Strip idle cash → Bitpanda only marginally pricier via crypto spread. Strip stocks → nearly neutral.
Pick: Trade Republic. 2.75% cash interest dominates. Steuereinfach for all assets.
Pick: Bitpanda. 3 500+ coins. Trade Republic only top-50.
Pick: Bitpanda. AT KESt arrangement. Trade Republic not AT-steuereinfach.
Pick: Bitpanda Pro. 0.1% maker fee vs Trade Republic 0.99% spread.
Pick: Bitpanda. Physical gold/silver/platinum/palladium. Trade Republic has none.
Answers to the most common questions about Bitpanda vs Trade Republic.
For order fees, Trade Republic leads at 1€ pro Order, 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, Trade Republic by BaFin. Both fall under EU oversight. Deposit protection: Bitpanda -, Trade Republic 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: -, Trade Republic: 100.000€. Securities are held in segregated accounts and protected in case of broker insolvency.
Trade Republic leads on cash interest at 3.25%. 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.
