Updated September 29, 2026 · SumCue Editorial Team
Bitpanda vs Linxea
Bitpanda
Higher score in this comparison
Linxea
Bitpanda vs Linxea: the differences
| Compare | BitpandaReviewVisitVisit | LinxeaReviewVisitVisit |
|---|---|---|
| Minimum deposit | €1Lower | €100 |
| Markets | Stocks, ETFs, Crypto, Metals | Funds, Bonds |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | ORIAS |
| Deposit and withdrawal fees | Free deposits | 0% entry fee on Linxea Avenir 2 |
| Stock trade fee | €1 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
Same on both: Investor protection (EU ICS up to EUR 20,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Bitpanda scores higher overall: 9.1 vs 8.7.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only Linxea offers ORIAS.
- Bitpanda is licensed in 2 more countries.
- Minimum deposit is lower at Bitpanda: €1 vs €100.
- Markets: only Bitpanda offers Stocks, ETFs, Crypto.
- Markets: only Linxea offers Funds, Bonds.
- Pricing model: only Bitpanda offers No annual fee.
- Pricing model: only Linxea offers Low fees.
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.
Linxea
Linxea suits expats in France seeking life cover linked to funds and bonds with easy access and variable returns. Opening asks €100 with 0% entry fee on Linxea Avenir 2, headline at 3% and cover at EU ICS up to EUR 20,000 with online management.
Score breakdown
| Area | Bitpanda | Linxea |
|---|---|---|
| Cost | 9.2HigherStock trades cost €1 a share, deposits are Free deposits, and the entry point is €1. | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light |
| Offer | 8.7 | 8.9HigherLife cover linked to funds and bonds with variable pricing at 3% |
| Trust | 9.3Higher | 8.8Oversight by ORIAS with cover at EU ICS up to EUR 20,000 stated |
Licences and countries
| Country | Bitpanda | Linxea |
|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) MiCA CASP 5493007WZ7IFULIL8G21 AT_FMA PSD_EMI AT_FMA_54966 | Not confirmed |
| France | Not confirmed | ORIAS 07031073 |
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 9845005X9B7N610K0093 | Not confirmed |
| Malta | Malta Financial Services Authority (MFSA) MiCA CASP 984500DEID7B03J77118 | Not confirmed |
If neither fits
XTB has minimum deposit at €0, against €1 for Bitpanda and €100 for Linxea.
XTB reviewWhat we checked
Bitpanda
- bitpanda.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Linxea
- linxea.com: 6 facts, checked September 26, 2026
- bogleheads.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Bitpanda | Linxea |
|---|---|---|
| Savings | 13 of 1492 | 5 of 1492 |
| Investing | 17 of 654 | 7 of 654 |
Every fact side by side
| Fact | Bitpanda | Linxea |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo account | Not confirmed |
| Pricing model | No annual fee | Low fees |
| Audience | Not confirmed | Expats |
| Legal entity | Bitpanda GmbH | Not confirmed |
| Headquarters | Austria | Not confirmed |
| Founded | 2014 | Not confirmed |
| Support channels | Help centre | Not confirmed |
Credit cards
| Fact | Bitpanda | Linxea |
|---|---|---|
| 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 | Linxea |
|---|---|---|
| Monthly fee | €0 | €0 |
| Card type | Debit | Not confirmed |
| Cashback rate | 1% | Not confirmed |
| Card network | Visa | Not confirmed |
| Custody | Custodial | Not confirmed |
Savings
| Fact | Bitpanda | Linxea |
|---|---|---|
| Headline rate | Not confirmed | 3% |
| 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 | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online |
| Account kind | Easy access | Easy access |
Crypto exchanges
| Fact | Bitpanda | Linxea |
|---|---|---|
| Coins listed | from 650 | Not confirmed |
| Exchange type | Cex | Not confirmed |
Crypto wallets
| Fact | Bitpanda | Linxea |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Coins supported | 650 | Not confirmed |
Personal insurance
| Fact | Bitpanda | Linxea |
|---|---|---|
| Premium from | Not confirmed | €25 |
| Insurance types | Not confirmed | Life |
| Provider type | Not confirmed | Broker |
| Monthly payments | Not confirmed | Yes |
| Claims channels | Not confirmed | Phone, Email, Post |
| Age range | Not confirmed | 18+ |
Where each stands against the rest
| Fact | Bitpanda | Linxea | Median |
|---|---|---|---|
| Minimum deposit | €1at the median | €100highest quarter | €1 |
| Stock trade fee | €1below the median | Not confirmed | €1.50 |
| Currency conversion fee | 0%below the median | Not confirmed | 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.
Linxea
Pros
- Entry premiums from €25 with monthly payments supported for gradual saving
- Ongoing account cost at €0 with 0% entry fee on Linxea Avenir 2 on Linxea Avenir cover
- Easy access structure via easy access linked to variable pricing at 3%
Cons
- Starting deposit of €100 sits above free entry at XTB at €0
- Stocks are not among its markets (funds and bonds), while DKB covers stocks, ETFs and bonds
- Cover centres on life life policies, which limits choice if you want health or travel add ons
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
Linxea
Who it suits
- Expats in France seeking life savings over XTB if insurance structure matters more than trading
- Cost aware savers choosing Linxea over DKB if low entry fees matter more than equity breadth
Who should look elsewhere
- Traders wanting stocks and ETFs should consider DKB for broader market breadth beyond funds and bonds
- Savers wanting free entry should consider XTB given Linxea asks €100 to open
Current offers
Linxea
Current offer
Bonus
100 EUR offerts ouverture Linxea Spirit 2 enfant mineur: 100 EUR
ouverture d'un contrat Linxea Spirit 2 pour enfant mineur
Source, checked September 26, 2026
Country by country
| Country | Bitpanda | Linxea |
|---|---|---|
| France | 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.
Linxea
What does it cost to start and top up Linxea cover?+
You can open Linxea Avenir cover from €100 and add premiums from €25, with monthly payments supported. Management stays online, which helps you build savings gradually. Support across phone, help centre and community can guide you on scheduled payments and redemption options.
How does the headline rate work?+
Linxea lists a headline rate of 3% on a variable basis for relevant savings. Rates can move over time, so returns may vary across periods. You should view the rate alongside fund choice and euro fund terms before deciding if the structure fits your plans for flexible savings.
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