Bitpanda
Founded 2014 by Eric Demuth, Paul Klanschek & Christian Trummer
Europe's all-in-one investment platform — crypto, stocks, ETFs, and metals in one app.
Quick Overview
What is Bitpanda?
Bitpanda is Europe's leading all-in-one investment platform, founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek, and Christian Trummer. What started as a simple crypto broker has evolved into a unique platform where you can invest in crypto, stocks, ETFs, and precious metals — all from one app.
This multi-asset approach is what makes Bitpanda unique in the crypto space. No other crypto exchange lets you also buy fractional shares of Apple, invest in a gold fund, and set up a diversified savings plan — all from €1.
Bitpanda is heavily regulated in Europe, holding licenses from the Austrian Financial Market Authority (FMA), the German BaFin (MiFID II), and regulators in multiple other EU countries. This level of regulation provides strong consumer protections that many global exchanges can't match.
A standout feature is Crypto Indices — professionally managed index funds (BCI5, BCI10, BCI25) that automatically rebalance and give you diversified crypto exposure without picking individual coins. Combined with automated savings plans, you can dollar-cost average into a diversified crypto portfolio completely on autopilot.
The Bitpanda Card (Visa) has a unique feature: you can spend any asset in your portfolio — crypto, stocks, metals, or cash — anywhere Visa is accepted. The platform automatically converts the asset to cash at the point of purchase.
Important to know: Bitpanda is only available in EU/EEA countries — not in the US, UK, or most other regions. The spread-based pricing (1.49% on simple buys) is higher than pure exchanges, but the convenience, regulation, and multi-asset capability justify it for many users. For lower fees, use Bitpanda Pro which offers order book trading at 0.10%+ fees.
Bitpanda Bonuses & Promotions
Current offers available to new and existing users.
Welcome Bonus
New users receive a €5–€10 bonus for completing their first trade.
Amount varies by promotion period and region.
Referral Program
Earn €10+ for each friend who signs up and verifies their account.
Both parties receive the bonus.
BEST Token Benefits
Hold BEST (Bitpanda Ecosystem Token) for trading fee discounts, priority access, and rewards.
BEST holders get up to 25% fee reduction.
Savings Plan Bonus
Some promotions offer bonus rewards for setting up recurring savings plans.
Check current promotions for specifics.
Products & Features
Everything Bitpanda offers — from simple buying to advanced trading.
Crypto Trading
Buy and sell 200+ cryptocurrencies with instant execution.
Stocks & ETFs
Invest in fractional stocks and ETFs from €1 — alongside crypto.
Precious Metals
Buy gold, silver, platinum, and palladium — physically backed.
Bitpanda Savings
Automated savings plans (DCA) for crypto, stocks, and metals.
Bitpanda Cash Plus
Earn interest on idle EUR/GBP — a cash management product.
Bitpanda Card
Visa debit card — spend any asset (crypto, stocks, metals) anywhere.
Bitpanda Pro
Advanced exchange with order books and lower trading fees.
Crypto Indices
Invest in diversified crypto index funds (BCI5, BCI10, BCI25).
Bitpanda Technology Solutions
White-label infrastructure for banks and fintechs.
Bitpanda Fees
Simple Buy Spread
1.49%
Built into price on regular buys
Bitpanda Pro Maker
0.10%
Advanced exchange fees
Bitpanda Pro Taker
0.15%
Advanced exchange fees
SEPA Deposit
Free
Free bank transfers for EU users
SEPA Withdrawal
Free
Free bank withdrawals
With BEST Discount
~1.12%
25% off with BEST token
Security & Safety
Bitpanda is one of the most regulated crypto platforms in Europe. They hold a virtual asset service provider (VASP) license in Austria, a MiFID II investment firm license in Germany, and are regulated across multiple EU jurisdictions. As a European company with strong regulatory compliance, they provide a high level of legal protection for users.
Payment Methods
Pros & Cons
Pros
- + All-in-one platform: crypto, stocks, ETFs, metals
- + Fully EU regulated (Austria FMA, Germany BaFin)
- + Excellent for European users — free SEPA, local payment methods
- + Crypto index funds for diversified investing
- + Bitpanda Card lets you spend any asset type
- + Automated savings plans (DCA) for any asset
- + Beautiful, intuitive mobile app
- + Fractional shares — invest from €1
- + BEST token provides real platform benefits
Cons
- − Only available in EU/EEA countries
- − Spread-based pricing (1.49%) on simple buy is high
- − Smaller crypto selection than major global exchanges
- − Bitpanda Pro needed for competitive trading fees
- − Lower liquidity than global exchanges
- − No futures, margin, or leverage trading
- − No copy trading or advanced trading tools
Bitpanda Timeline
Founded in Vienna by Eric Demuth, Paul Klanschek, and Christian Trummer as Coinimal.
Rebranded to Bitpanda. Became one of the first licensed crypto platforms in Austria.
Launched Bitpanda Global Exchange (now Bitpanda Pro) and BEST token. Added metals trading.
Added stock and ETF trading — became Europe's first all-in-one investment platform.
Raised $263M at a $4.1B valuation. Became the biggest fintech unicorn in Austria. Reached 3M+ users.
Survived crypto winter with strong fundamentals. Obtained BaFin license in Germany.
Launched Bitpanda Cash Plus and expanded banking-like services. Continued EU expansion.
Added more EU country licenses. Expanded the Bitpanda Card and Crypto Indices.
Reached 4M+ users. Positioned as the go-to regulated investment platform for Europeans.
Our Verdict
Bitpanda is the best all-in-one investment platform for Europeans. It's the only place where you can buy crypto, stocks, ETFs, and precious metals — all in one beautifully designed app. The crypto index funds and automated savings plans make it perfect for building a diversified portfolio on autopilot. The main downside is the spread-based pricing on simple buys (1.49%), but the convenience and regulation make this acceptable for most users. Available only in the EU/EEA, but for European residents, it's an outstanding platform that goes well beyond crypto.