Bitpanda Review 2025: a Great Platform to Invest in Stocks, ETFs, and Cryptos
An in-depth review of Bitpanda's innovative investment platform
Quick Verdict
Bitpanda is a great platform with an excellent reputation that is fully regulated and really easy to use with a lot of different assets you can invest in. It brings a really fresh take on stocks and ETFs investing with fractional shares and 24/7 trading capabilities.
Try BitpandaWhat is Bitpanda?
Bitpanda is a company based in Germany, and that brought a very innovative take to investing. Indeed, they started as a simple cryptocurrency exchange but rapidly started to expand into other financial instruments, like stocks and ETFs.
They offer that by using derivatives - meaning you don't invest directly in a stock or an ETF, but in a derivative that represents the underlying assets. This innovative way of investing allows some really neat features, as we'll discover later in this review.
They are growing really rapidly as well, being founded in 2014 and now having over 3.5 million users worldwide and over 700 employees.
They also offer some really cool features that we'll talk more in details later in this article, like being able to invest in fractions of stocks, having a 24/7 stock market, and also offering a dedicated card and a mobile app.
What Returns Can You Expect?
Real returns based on my investing experience
Fees on Bitpanda
Let's start by talking about the fees associated with using Bitpanda, that can be a reason not to use a platform. Well, on Bitpanda, fees are as low as they can be on such platform.
On instruments that I am really interested in, like stocks and ETFs, there are zero commissions on buying or selling - which is really something great compared to other online brokers.
On cryptocurrencies, you have a fee of 0.1% on buying/selling, which is pretty standard and comparable to other large exchanges.
Note that there are also no fees whatsoever to keep your account open on Bitpanda.
Features of Bitpanda
Bitpanda offers a comprehensive suite of investment options and innovative features
Cryptocurrencies
Started as a cryptocurrency exchange with easy one-click investing and savings plans available
Stocks & ETFs
Invest in fractional shares with zero commissions and 24/7 trading through innovative derivatives
Commodities
Invest in commodities like oil, energy, and gold directly from your account
Bitpanda Card
Physical debit card that allows spending directly from your investment account
Bitpanda brings a fresh take to investing by allowing fractional shares and 24/7 stock market access through the use of derivatives.
Is Bitpanda Safe?
Key safety features and regulatory compliance
Fully Regulated
MiFID II investment firm and PSD2 payment institution with highest EU standards
Secure Storage
Funds safely kept in offline wallets following crypto exchange best practices
AML5 Compliant
Fully compliant with anti-money laundering regulations
Established Company
Founded in 2014, grown to 3.5M+ users and 700+ employees
🛡️ Regulatory Compliance
First, Bitpanda is a fully regulated platform, as it's a MiFid II investment firm, as well as PSD2 payment institution, meaning it was audited and has the highest standards in the EU regarding the protection of the investors funds.
They are also fully compliant with AML5 (anti money laundering), and have all the funds safely kept in offline wallets, as it's a general practice on crypto exchanges.
Getting Started on Bitpanda
Create Your Account
Fill out a simple registration form with your basic information
Complete Verification
Automated identity verification process via mobile app takes less than 5 minutes
Deposit Funds
Deposit minimum €25 via bank transfer, credit card, or Apple/Google Pay
Start Investing
Begin investing in stocks, ETFs, cryptos, or commodities 24/7
Pros & Cons
✅ Pros
- ✓Zero commissions on stocks and ETFs
- ✓Fractional shares investing available
- ✓24/7 stock market trading
- ✓Fully regulated platform (MiFID II, PSD2)
- ✓Very low minimum deposit (€25)
- ✓Quick and automated verification process
- ✓Multiple deposit methods including credit card and Apple/Google Pay
- ✓Dedicated mobile app for iOS and Android
- ✓Physical debit card available
- ✓Wide range of assets: stocks, ETFs, cryptos, commodities
❌ Cons
- ✗Stocks and ETFs are derivatives, not direct ownership
- ✗Cryptocurrency fees at 0.1% not the lowest in the market
- ✗Limited compared to specialized crypto exchanges for crypto-only investors
- ✗Savings plans may not suit all investment strategies
My Experience with Bitpanda
As an investor, it's crucial to select the right platforms & brokers to invest, as they will be in charge of handling my own money. When it comes to brokers, I am looking for platforms that will keep my money safe, have the lowest fees possible, and is easy to use.
I personally used the app to open my account and get verified, as well as to deposit money, and it was super easy to use and a smooth experience.