How the Bitpanda Reliability Score is built
9.0/10Every part is scored with the same published method. Points are given only for facts confirmed from a public source. How we rate
Pros
- MiCA passport for 30 of 30 EEA countries
- Operating since 2014
- Free euro withdrawals
- 650+ crypto-assets
Cons
- Proof of reserves not confirmed
- Withdrawal allow-list not confirmed
MiCA authorisation
Authorised- EU entityBitpanda GmbH
- LEI5493007WZ7IFULIL8G21
- RegulatorAustrian Financial Market Authority (FMA)
- Home stateAustria
- Authorised9 April 2025
- Passport30 of 30 EEA countries
Authorised MiCA services (7)
- Custody of crypto-assets
- Exchange for funds (EUR)
- Crypto-to-crypto exchange
- Order execution
- Placing of crypto-assets
- Reception and transmission of orders
- Transfer services
Source: ESMA interim MiCA register, downloaded 24 October 2026. How to check a licence
Company and track record
- Founded2014
- Registered addressStella-Klein-Löw-Weg 17, 1020 Vienna, Austria
Fees
Fee schedule ↗Trading fees depend on the product and screen you use, so check the fee schedule or the app before you buy.
Try the fee calculator to see what one purchase costs in total.
Payments
Deposit methods are shown in the app before you pay.
- EUR withdrawalSEPA, free
Coins and products
- TypeBroker app
- Coins650+
Account security
- Two-factor authenticationYes
- Withdrawal address allow-listNot confirmed
- Proof of reservesNot confirmed
"Not confirmed" means we could not confirm the feature from a public source; it does not mean the feature is missing.
Identity checks (KYC)
RequiredBitpanda verifies the identity of every customer before trading, as EU anti-money laundering rules require.
Where Bitpanda is available under MiCA
Checking your location…Notified in 30 EEA countries
Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
A MiCA passport means the firm may offer its services in that country; it can still choose not to accept customers from every country.
Bitpanda review: broker model and euro wallet
Bitpanda is a broker app: you buy and sell at a price Bitpanda quotes, and its fee page explains fees and premiums.
Euro balances sit in a euro wallet, and Bitpanda does not charge for SEPA transfers in euros, though your bank may.
Its terms describe a second factor, by email, SMS or push notification, in addition to the password.
Because a premium can be built into the price, the crypto spread calculator helps estimate the real cost of a purchase.
Bitpanda review: fees and euro withdrawals
Bitpanda explains its fees and premiums on its support site, linked in the sources below.
SEPA transfers in euros carry no Bitpanda fee, which earns the full withdrawal fee point.
Check the premium shown before you confirm a purchase.
Bitpanda review: how the Reliability Score was calculated
The Bitpanda Reliability Score is 9.0 out of 10, rated Excellent, calculated with the same published method as every other exchange.
| Part | Points | Basis |
|---|---|---|
| MiCA licence | 3 / 3 | Authorised by FMA, passport notified for 30 of 30 EEA countries |
| Track record | 2 / 2 | Operating since 2014 |
| Transparency | 0.5 / 1 | Fee schedule published; proof of reserves not confirmed from a public source |
| Identity checks | 1 / 1 | Identity verification (KYC) required before trading |
| Account protection | 0.5 / 1 | Two-factor authentication available; withdrawal address allow-list not confirmed from a public source |
| Euro withdrawals | 2 / 2 | Euro withdrawals to a bank account: SEPA, free |
Points are given only for facts confirmed from a public source; "not confirmed" means we could not confirm a feature, not that it is missing.
Bitpanda review: compared with similar MiCA providers
The table below places Bitpanda next to similar MiCA providers, so that differences in authorisation and score are easy to see.
| Exchange | Type | Regulator | EEA countries | Reliability Score |
|---|---|---|---|---|
| Bitpanda | Broker app | FMA | 30 | 9.0 |
| SwissBorg | Broker app | AMF | 30 | 9.0 |
| eToro | Broker app | CySEC | 30 | 9.0 |
| Revolut | Broker app | CySEC | 29 | 9.0 |
Register facts from ESMA; Reliability Scores calculated with the published method.
Scores measure documented reliability factors, not which provider is cheapest for your way of buying.
Bitpanda review: what a purchase would cost
The trading fee for Bitpanda depends on the screen and product you use, so enter the fee you see in the app before you buy.
Bitpanda review: who it may suit
Bitpanda may suit beginners and savers who want a simple broker app from an early MiCA-authorised provider, with free euro transfers.
A withdrawal address allow-list and a provider-specific proof of reserves could not be confirmed publicly.
Bitpanda review: related guides and tools
Frequently asked questions
Is Bitpanda MiCA-authorised?
Yes. Bitpanda GmbH is listed in ESMA's register, authorised by the FMA on 9 April 2025, with a passport for all 30 EEA countries.
Does Bitpanda charge for euro withdrawals?
Bitpanda does not charge for SEPA transfers in euros, though your bank may.
Is Bitpanda an exchange or a broker?
It works as a broker app that quotes prices for you to buy and sell.
How is the Bitpanda Reliability Score calculated?
With six published parts worth ten points in total: MiCA licence, track record, transparency, identity checks, account protection and euro withdrawals. The score block on this page shows the points for each part.
Sources
Every figure on this page is checked against the ESMA register, the exchange's own terms and fee pages or another primary source, and the sources are listed above. Editorial policy · How we rate