Bitpanda
Austrian investment app for crypto, stocks, ETFs and metals that does not accept US citizens or residents.
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Bitpanda key facts
| Category | Crypto exchange |
|---|---|
| US availability | Not available (US citizens and US-located persons cannot register) |
| Trading fees | 0.25% on Bitpanda Fusion (Level 1) |
| Simple buy fee | 0.99% premium on Bitcoin; 0.00% to 2.49% across assets |
| Coins available (US) | 650+ cryptos |
| Custody | Custodial |
Not verified yet: debit card purchase, staking (us), us licenses, self-custody wallet. We add a value only after checking it on Bitpanda’s own pages.
What is Bitpanda?
Bitpanda is an Austrian FMA-licensed broker app for buying crypto, stocks, ETFs and precious metals, with an order-book product called Bitpanda Fusion. Its help center states that US citizens and people located in the United States may not become users. The premium on buying and selling Bitcoin is 0.99%.
How Bitpanda works
Bitpanda works as a broker: you buy at a quoted price that already includes a premium, and the trade summary shows the fee applied, from 0.00% to 2.49%.
The buy or sell price is valid for 20 seconds for most assets. Bitpanda Swap converts one supported coin directly into another at an all-in price.
Stocks and ETFs carry no commission, only a spread. Precious metals carry premiums: gold 0.5% to buy and 1% to sell, silver and platinum 2.5% and 2%, palladium 2.2% and 1.8%, with no storage fees.
How to start with Bitpanda
- You must be 18 or older, hold an ID from a supported country and live in one.
- US citizens and anyone located in the United States cannot become users, so US readers should look at US-licensed brokers.
Bitpanda fees and limits
- The Bitcoin premium is 0.99%.
Opening and keeping an account is free. Fiat deposits are accepted in EUR, USD, GBP, CHF, TRY, PLN, HUF, CZK, DKK and SEK. Blockchain withdrawal fees are adjusted with network congestion, and Bitpanda says it earns nothing from them.
Risks to know before using Bitpanda
- The chart price on Bitpanda is not the buy price, and the help center notes its prices can differ from averages on CoinGecko or CoinMarketCap.
- Check the summary screen before you confirm a trade.
Bitpanda alternatives
Other exchanges US customers compare with Bitpanda.
The largest US-listed crypto exchange, with a simple buy screen and the Coinbase Advanced order book.
Crypto trading inside the Robinhood app, commission-free by default with an optional exchange-routing mode.
US-available crypto exchange with an instant-buy app and the Kraken Pro order book.
US exchange run separately from Binance.com, with low order-book fees but limited state coverage.
Multi-asset platform for crypto, fiat and precious metals, priced with a spread instead of a commission.
US crypto exchange and custodian, public since September 2025, available in all 50 states.
Bitpanda pros and cons
- Crypto, stocks, ETFs and metals in one app
- Fusion fee starts at 0.25% and falls to 0.02% with volume
- VSN token gives a 20% fee discount
- US citizens and US-located persons cannot open accounts
- Buy premiums range up to 2.49% per trade
- PayPal deposits cost 1.49%
Bitpanda FAQ
What is Bitpanda?
Bitpanda is an Austrian FMA-licensed broker app for buying crypto, stocks, ETFs and precious metals, with an order-book product called Bitpanda Fusion. Its help center states that US citizens and people located in the United States may not become users. The premium on buying and selling Bitcoin is 0.99%.
Is Bitpanda available in the US?
Not available (US citizens and US-located persons cannot register), according to Bitpanda’s own page (checked Sep 26, 2026).
What are Bitpanda’s trading fees?
At the lowest volume tier: 0.25% on Bitpanda Fusion (Level 1). Higher-volume traders pay less.
How much does it cost to buy crypto on Bitpanda?
On the simple buy screen: 0.99% premium on Bitcoin; 0.00% to 2.49% across assets.
Does Bitpanda hold my crypto?
Bitpanda is custodial: it holds the keys to your balance. To hold your own keys, withdraw to a self-custody wallet.
Sources
How this page works
Sources: Bitpanda: official site, Bitpanda: Who can use Bitpanda, Bitpanda: fees and premiums. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.