Updated September 29, 2026 · SumCue Editorial Team
Bitpanda vs eToro
Bitpanda
eToro
Higher score in this comparison
What sets them apart
| Compare | BitpandaReviewVisitVisit | eToroReviewVisitVisit |
|---|---|---|
| Minimum deposit | €1 | $1 to $10,000 |
| Stock trade fee | €1 | $0 |
| Markets | Stocks, ETFs, Crypto, Metals | Stocks, ETFs, Forex, CFDs, Crypto, Futures |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | Cyprus Securities and Exchange Commission (CySEC), SIPC |
| Account fee | Not confirmed | $0 |
| Currency conversion fee | 0% | Not confirmed |
| Deposit and withdrawal fees | Free deposits | Not confirmed |
| Account types | Not confirmed | ISA |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- eToro scores higher overall: 9.2 vs 9.1.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only eToro offers Cyprus Securities and Exchange Commission (CySEC), SIPC.
- Founded is lower at eToro: 2007 vs 2014.
- Bitpanda is licensed in 1 more country.
- Markets: only Bitpanda offers Metals.
- Markets: only eToro offers Forex, CFDs, Futures.
- Features: only eToro offers Copy trading.
- Pricing model: only Bitpanda offers No annual fee.
- Pricing model: only eToro offers Commission free.
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.
eToro
eToro suits new investors who want shares, crypto and cash interest in a single app, with an account fee of $0 and a stock trade fee of $0. The catch is the withdrawal fee of $5 flat fee, which makes it a poor fit for anyone moving small sums in and out often.
Score breakdown
| Area | Bitpanda | eToro |
|---|---|---|
| Cost | 9.2Stock trades cost €1 a share, deposits are Free deposits, and the entry point is €1. | 9.3HigherAccount fee $0 and stock trade fee $0 rank 1 and 1, while withdrawals cost $5 flat fee. |
| Offer | 8.7 | 8.8Higher |
| Trust | 9.3Higher | 9.2 |
Availability and regulation
| Country | Bitpanda | eToro |
|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) MiCA CASP 5493007WZ7IFULIL8G21 AT_FMA PSD_EMI AT_FMA_54966 | Not confirmed |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 213800GIFQMSV7HROS23 |
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 9845005X9B7N610K0093 | Not confirmed |
| Malta | Malta Financial Services Authority (MFSA) MiCA CASP 984500DEID7B03J77118 | Not confirmed |
| United States | Not confirmed | SIPC SIPC member 70212 |
What each covers
| Markets | Bitpanda | eToro |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Futures | No | Yes |
| Crypto | Yes | Yes |
| Metals | Yes | No |
Where they rank in our lists
| Ranking | Bitpanda | eToro |
|---|---|---|
| Savings | 13 of 1492 | 4 of 1492 |
| Credit and debit cards | 15 of 1594 | 3 of 1594 |
| Investing | 17 of 654 | 5 of 654 |
| Stock and ETF brokers | 11 of 358 | 4 of 358 |
| Trading platforms | 8 of 24 | 4 of 24 |
| Crypto | 10 of 428 | 3 of 428 |
| Crypto exchanges | 8 of 330 | 1 of 330 |
Sources behind this comparison
Bitpanda
- bitpanda.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
eToro
- etoro.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
Every fact side by side
| Fact | Bitpanda | eToro |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo account | Crypto, Demo account, Fractional shares, Copy trading, Mobile appCovers more |
| Pricing model | No annual fee | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | Bitpanda GmbH | eToro (Europe) Ltd |
| Headquarters | Austria | Cyprus |
| Founded | 2014 | 2007Lower |
| Support channels | Help centre | Help centre |
Credit cards
| Fact | Bitpanda | eToro |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| 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 | Not confirmed |
Debit cards
| Fact | Bitpanda | eToro |
|---|---|---|
| Monthly fee | €0 | $0 |
| Card type | Debit | Not confirmed |
| Cashback rate | 1% | Not confirmed |
| Card network | Visa | Not confirmed |
| Custody | Custodial | Custodial |
Savings
| Fact | Bitpanda | eToro |
|---|---|---|
| Headline rate | Not confirmed | 3.8% |
| 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 | Interest on USD cash balance, no lock-in, withdraw at any time, calculated daily and paid monthly |
| Account kind | Easy access | Cash management |
Crypto exchanges
| Fact | Bitpanda | eToro |
|---|---|---|
| Taker fee | Not confirmed | 1% |
| Coins listed | from 650 | from 150 |
| Fiat deposit methods | Not confirmed | Card, Bank |
| Withdrawal fee | Not confirmed | $5 flat fee |
| Derivatives | Not confirmed | Yes |
| Exchange type | Cex | Cex |
Crypto wallets
| Fact | Bitpanda | eToro |
|---|---|---|
| Wallet type | Mobile | Mobile |
| Coins supported | 650 | Not confirmed |
Robo-advisors
| Fact | Bitpanda | eToro |
|---|---|---|
| Management fee | Not confirmed | 0% |
| Minimum investment | Not confirmed | $500 |
| Portfolio types | Not confirmed | ETF, ESG, Cash, Crypto |
Where each stands against the rest
| Fact | Bitpanda | eToro | Median |
|---|---|---|---|
| Account fee | Not confirmed | $0at the median | $0 |
| Currency conversion fee | 0%below the median | Not confirmed | 0.4% |
Median across 77 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.
eToro
Pros
- Interest on the USD cash balance pays 3.8% on a variable basis, calculated daily and paid monthly, and withdrawals are allowed at any time.
- Regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC, with client asset protection of EU ICS up to EUR 20,000 and deposit protection of EU DGS up to EUR 100,000.
- Minimum deposit $1 to $10,000 and minimum portfolio investment $500 keep the starting point low, and fractional shares are among the listed features.
Cons
- Withdrawal costs $5 flat fee each time, which makes small, regular transfers expensive next to the $0 stock trade fee.
- Client asset protection of EU ICS up to EUR 20,000 sits well below deposit protection of EU DGS up to EUR 100,000, so a large share portfolio can outrun the cover.
- Taker fee 1% sits above the 0.25% median, which matters for anyone trading crypto often rather than holding.
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
eToro
Who it suits
- New investors, since the audience is listed as beginners and the minimum deposit is $1 to $10,000.
- Investors who want cash and markets together, with USD balance interest at 3.8% alongside stocks, etfs and forex.
- UK savers who want a tax wrapper, since an ISA sits among the isa on offer.
Who should look elsewhere
- bunq, which covers stocks, etfs and crypto and suits anyone who wants shares, ETFs and crypto and can set derivatives aside.
- CFI, for readers who want stocks, etfs and forex and can leave futures aside; eToro is the wider of the two.
- Fiesta Credito MX, which answers to CONDUSEF rather than Cyprus Securities and Exchange Commission (CySEC) and SIPC, for readers trading outside those markets.
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.
eToro
What does eToro charge to open and run an account?+
The account fee is $0 and the monthly fee is $0, so the account costs nothing to hold. Stock trades are charged at $0 and the platform describes itself as commission-free. Managed portfolios carry a management fee of 0%. Money moving out is the exception, at $5 flat fee per withdrawal.
Is my money protected at eToro?+
eToro is regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC. Client assets sit under investor protection of EU ICS up to EUR 20,000, while cash deposits are covered by a separate scheme at EU DGS up to EUR 100,000. These ceilings are very different, so anyone holding a large share portfolio should treat the lower figure as the real limit on recovery.
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