Updated September 29, 2026 · SumCue Editorial Team
Bitpanda vs bunq
Bitpanda
Higher score in this comparison
bunq
Where Bitpanda and bunq differ
| Compare | BitpandaReviewVisitVisit | bunqReviewVisitVisit |
|---|---|---|
| Minimum deposit | €1Lower | €10 |
| Markets | Stocks, ETFs, Crypto, MetalsCovers more | Stocks, ETFs, Crypto |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | De Nederlandsche Bank, SIPC |
| Currency conversion fee | 0%Lower | 0.5% to 3% |
| Stock trade fee | €1 | Not confirmed |
| Deposit and withdrawal fees | Free deposits | Not confirmed |
| Platforms | Not confirmed | Bunq app |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Bitpanda scores higher overall: 9.1 vs 8.8.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only bunq offers De Nederlandsche Bank, SIPC.
- Founded is lower at bunq: 2012 vs 2014.
- bunq is licensed in 4 more countries.
- Minimum deposit is lower at Bitpanda: €1 vs €10.
- Currency conversion fee is lower at Bitpanda: 0% vs 0.5% to 3%.
- Markets: only Bitpanda offers Metals.
- Support channels: only bunq offers Email.
- Features: only Bitpanda offers Demo account.
Our verdict on each
Bitpanda
Bitpanda suits beginners who want stocks, crypto and metals in one app and can start small. Its cost score of 4.6 reflects a flat €1 stock trade fee, free deposits and a low entry point, though the protection cap is modest.
bunq
bunq fits expats and anyone living across Europe who wants a euro account that pays interest on everyday money and handles spending and investing in the same app. Savings pay 3.01% on an easy access balance held under EU DGS up to EUR 100,000, with interest credited weekly.
Score breakdown
| Area | Bitpanda | bunq |
|---|---|---|
| Cost | 9.2Stock trades cost €1 a share, deposits are Free deposits, and the entry point is €1. | 9.5HigherThe plan carries a monthly fee of €0 and an annual fee of €0, with deposits starting from €10. |
| Offer | 8.7Higher | 8.3 |
| Trust | 9.3Higher | 8.5 |
Pick Bitpanda if, pick bunq if
Pick Bitpanda if offer, trust, minimum deposit, markets, and currency conversion fee matter most.
Pick bunq if cost matter most.
Positions in our rankings
| Ranking | Bitpanda | bunq |
|---|---|---|
| Savings | 13 of 1492 | 10 of 1492 |
| Credit and debit cards | 15 of 1594 | 9 of 1594 |
| Debit cards | 12 of 826 | 7 of 826 |
| Investing | 17 of 654 | 13 of 654 |
| Stock and ETF brokers | 11 of 358 | 9 of 358 |
| Crypto | 10 of 428 | 7 of 428 |
| Crypto exchanges | 8 of 330 | 5 of 330 |
Feature by feature
| Markets | Bitpanda | bunq |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Crypto | Yes | Yes |
| Metals | Yes | No |
What we checked
Bitpanda
- bitpanda.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
bunq
- bunq.com: 11 facts, checked September 26, 2026
- help.bunq.com: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Bitpanda | bunq |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo accountCovers more | Crypto, Fractional shares, Mobile app |
| Pricing model | No annual fee | Monthly |
| Audience | Not confirmed | Expats |
| Legal entity | Bitpanda GmbH | bunq B.V. |
| Headquarters | Austria | Netherlands |
| Founded | 2014 | 2012Lower |
| Support channels | Help centre | Email, Help centreCovers more |
Credit cards
| Fact | Bitpanda | bunq |
|---|---|---|
| Annual fee | €0 | €0 |
| Rewards type | Cashback | Not confirmed |
| Rewards rate | 1% cashback on crypto asset spending | Not confirmed |
| Perks | 1% cashback on crypto asset spending | Not confirmed |
| Cashback rate | 1% | Not confirmed |
| Card kind | Credit | Credit |
Debit cards
| Fact | Bitpanda | bunq |
|---|---|---|
| Monthly fee | €0 | €0 |
| Card type | Debit | Debit |
| Cashback rate | 1% | Not confirmed |
| Card network | Visa | Mastercard |
| Currencies | Not confirmed | 8 |
| Custody | Custodial | Not confirmed |
Savings
| Fact | Bitpanda | bunq |
|---|---|---|
| Headline rate | Not confirmed | 3.01% |
| Rate type | Not confirmed | Variable |
| Deposit protection | EU DGS up to EUR 100,000 | EU DGS up to EUR 100,000 |
| Access terms | Instant access, trading 24/7, funds tradeable anytime | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly |
| Account kind | Easy access | Easy access |
Crypto exchanges
| Fact | Bitpanda | bunq |
|---|---|---|
| Taker fee | Not confirmed | 0.25% to 1.99% |
| Coins listed | from 650 | from 350 |
| Maker fee | Not confirmed | 0.25% to 1.99% |
| Exchange type | Cex | Cex |
Crypto wallets
| Fact | Bitpanda | bunq |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Coins supported | 650 | Not confirmed |
Where each stands against the rest
| Fact | Bitpanda | bunq | Median |
|---|---|---|---|
| Minimum deposit | €1at the median | €10above the median | €1 |
| Stock trade fee | €1below the median | Not confirmed | €1.50 |
| Currency conversion fee | 0%below the median | 0.5% to 3%above the median | 0.4% |
Median across 80 listed providers.
Pros and cons
Bitpanda
Pros
- You can start with €1, so a small amount opens the account and the entry point sits well inside the field.
- Stock trades cost €1 a share, a flat price you can work out before you deal.
- Deposits cost Free deposits, so moving money in does not eat into your first investment.
Cons
- Investor protection stops at EU ICS up to EUR 20,000, so a large portfolio can sit above the cap.
- Support runs on help centre only, so a question that needs a person has no listed route.
- The crypto side alone lists from 650 coins against a field median of 71.5, and custodial custody means the keys are not yours.
bunq
Pros
- Investing sits in the same app, with stocks, etfs and crypto and fractional shares among the plan features.
- The card runs on mastercard, and conversion costs 0.5% to 3% across 8 currencies.
- Regulated in the Netherlands by De Nederlandsche Bank, with savings under EU DGS up to EUR 100,000 and investments under EU ICS up to EUR 20,000.
Cons
- Support runs on email and help centre only.
- The rate is variable, so the 3.01% headline can move in either direction.
- Crypto trades cost 0.25% to 1.99%, with maker fees of 0.25% to 1.99%.
Who each suits
Bitpanda
Who it suits
- Beginners building a first portfolio from spare monthly savings
- People who want stocks, crypto and metals in one app
- Anyone who prefers a fixed share price over percentage dealing fees
Who should look elsewhere
- Anyone holding more than EU ICS up to EUR 20,000, where the cap is too low
- Investors who want to hold their own keys rather than custodial custody
- People who need phone or email support, since help runs on help centre only
bunq
Who it suits
- Anyone banking across the euro area, since bunq is licensed in the Netherlands, Germany, France, Spain, Ireland, Italy and Belgium.
- People who want saving, spending and investing in one place, since crypto, fractional shares and mobile app all run through bunq app.
- Savers who want interest without being locked into a term, since the account is easy access.
Who should look elsewhere
- Linxea, where €25 is the starting premium on a life insurance product rather than a balance that pays interest.
- Oney Préstamos ES, where €1,000 is a borrowing amount to repay, not money you hold.
- Euroasia Insurance, where UZS 60,000 buys car cover, not euro banking.
Current offers
bunq
Current offer
First period offer
bunq Pro free for students: bunq Pro for EUR0/month while studying (normally EUR9.99/month)
Students only; Enjoy bunq Pro for free while you study
Source, checked September 26, 2026
Free trial
30-day free trial: 30 days free
Open your account in just 5 minutes and start your 30-day free trial today
Source, checked September 26, 2026
Country by country
| Country | Bitpanda | bunq |
|---|---|---|
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Spain | No | Yes |
Questions about each
Bitpanda
What is the minimum I need to open a Bitpanda account?+
You can start with €1. That is a small enough figure to test the platform before committing real money, and the account is easy access, so you are not tied into a term. A first deposit can be made straight away at no charge.
How much does it cost to buy shares?+
A stock trade costs €1 per share. Because that is a flat price rather than a percentage, the cost does not rise as your order gets larger, which suits a beginner making a handful of larger buys. Very small orders can cost more per share in relative terms.
bunq
How much does a bunq account cost?+
The standard plan carries a monthly fee of €0 and an annual fee of €0, so the account itself is free to hold. What you pay depends on use: currency conversion on the card runs at 0.5% to 3%, and crypto trades are charged 0.25% to 1.99%. Everything is managed in bunq app.
How much interest does bunq pay on savings?+
The savings balance pays 3.01%, and the rate is variable, which means it can move rather than being locked in for a term. Interest is paid weekly into the account, and the account is easy access.