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Transferable to your own wallet
Self-custody of cryptocurrencies plays an important role for many users who want to manage their cryptocurrencies and thus their "private keys" themselves and not leave them in the hands of the exchange. Most exchanges offer the option of sending the purchased cryptocurrencies to their own wallet.
Deposit protection is a safeguard for the assets of users of a stock exchange or broker, which is intended to protect investors in the event of insolvency or a high loss due to a hacker attack. Service providers based in Germany are legally obliged to provide deposit protection of €100,000. In some cases, international exchanges have a special insurance policy that covers a certain portion of the assets instead of a deposit guarantee.
The overall rating is the average of our individual ratings. Our ratings do not constitute investment advice, but merely our personal opinion. You are welcome to use them as rough indicators and additional perspective. In the dynamic and fast-growing crypto sector, parameters can often change from one day to the next, so we cannot guarantee that the rating data is up to date. Therefore, please never use our ratings as an isolated basis for decision-making and not as a substitute for your own research.
This rating describes our personal assessment of the user-friendliness of the product. How easy is the onboarding process? How modern is the user interface and is it easy to use? Are all the important functions quick and easy to find? We ask ourselves all these questions in order to give a personal rating from 1 to 10 points.
This rating describes our assessment of the fee structure of a stock exchange or broker. It is not only the amount of fees that can differ, but also the type of fees. The most common type of fees for crypto exchanges are the "maker/taker" fees or spreads. In some cases, there are also hidden fees that are not recognizable to users at first glance.
For products or services in the crypto space, trust and security should be the biggest factors in the selection process. Since we could not seriously evaluate the technical security of a platform or product, we analyze publicly available factors such as security features, location, regulation, certifications, audits, team/company, general reputation and, of course, track record.
Crypto doesn't have to be cryptic. Especially for beginners, the first contact with the crypto world can be overwhelming. With this rating, we give our assessment of how easy it is for beginners to find their way around: from the onboarding process to using the most important functions.
Customer support is an important factor for many users. A long wait or no response at all in the event of problems can be frustrating, especially when it comes to sensitive topics such as finances. With this rating, we give our assessment of the quality of customer support. In order to provide as balanced an assessment as possible, we also include user opinions from other platforms in our evaluation.
Some exchanges and brokers are regulated by financial supervisory authorities in certain countries/states. This often entails strict financial regulatory requirements and compliance requirements to which the company must adhere. Regulatory clarity can contribute to greater transparency and thus also greater trustworthiness.
Bitpanda vs Bitstamp in comparison
Overview
Bitstamp is a crypto exchange founded in 2011 and owned by Robinhood Markets, Inc. since June 2025. Bitstamp USA, Inc. serves US customers and holds a New York BitLicense; Bitstamp Europe S.A. serves the EEA under a MiCA authorization from Luxembourg's CSSF. The group parent, Bitstamp Ltd, has its registered office in London.
- MiCA authorization from Austria's FMA, plus BaFin and MFSA authorizations for group companies
- Crypto, stocks, ETFs, precious metals and crypto indices in one account
- Bitpanda Fusion fees fall from 0.25% to 0.02% with volume
- Free SEPA deposits in euros and a €1 minimum order
- Savings plans and staking with weekly rewards
- Broker fees of 0.99% to 2.49% built into the price
- No futures, and margin trading is long-only
- No proof-of-reserves report found
- PayPal deposits cost 1.49%
- Stocks, ETFs and metals not offered on the UK platform
- Available in New York, where Bitstamp USA holds a BitLicense
- Entry-tier spot fees of 0.30% maker and 0.40% taker, below Kraken Pro and Coinbase Advanced
- Licensed or registered in the US, the EU, the UK and Singapore
- Free ACH transfers and free crypto deposits
- No staking, lending or derivatives for US customers
- 114 crypto assets, far fewer than Kraken or Coinbase
- Card purchases cost 4%, Basic Trading a 1.8% spread
- No proof-of-reserves report that we could find
Features Comparison
- Cryptocurrencies
- Stocks
- ETFs
- Crypto indices
- Precious metals
- Cryptocurrencies
0.99
%
0.25%
0.25%
Varies
0.4
%
0.40%
0.30%
Varies
568
+
$
10
114
+
$
10
- Replaced BEST and PAN in July 2025
- Utility across Bitpanda Web3 products
Exchange Rating
Functions
- Crypto debit card (Visa)
- Crypto indices
- Monthly savings plan
- Bitstamp Earn
- Trading view
Company Details
Our Review
Bitstamp suits US residents in the states it serves, New York included, and traders in the EU and the UK who want a long-running, licensed exchange with low order-book fees: 0.30% maker and 0.40% taker at the entry tier. In our view, Kraken suits active traders who need margin or futures better.
European Simplicity vs Established Reliability
Bitpanda built a platform around simplicity and European regulation for beginners. Bitstamp built a platform around proven reliability for experienced traders. Both serve European users, but with different approaches and audiences.
User Experience
Bitpanda earns a perfect 10/10 for beginner friendliness. Simple operation and transparent interface make it accessible to anyone. Users don't need crypto experience to get started.
Bitstamp scores 8/10 for beginners—solid but more complex. The trading view serves experienced users well but isn't designed for complete newcomers.
Trust and Regulation
Both platforms offer European regulation—a major selling point for users who want compliance. Bitpanda scores 9/10 on security and trust; Bitstamp matches with 9/10 based on its long track record.
Fee Comparison
Bitstamp starts at 0.30% maker and 0.40% taker, reasonable for a regulated platform. Bitpanda's broker charges a premium of 0.99% on Bitcoin and stablecoins, 1.49% on other crypto assets and 2.49% on small caps, significantly higher. Users pay a premium for Bitpanda's simplicity.
What You Can Trade
Bitpanda offers 568 cryptocurrencies plus crypto indices, stocks, and metals. The platform works as a diversified investment platform, not just crypto.
Bitstamp lists about 115 cryptocurrencies, a focused selection covering major coins and popular altcoins.
Special Features
Bitpanda offers a Visa debit card and monthly savings plans. The ecosystem approach goes beyond trading.
Bitstamp offers Bitstamp Earn and a specialized trading view. More focused on trading excellence.
The Choice
Bitpanda at 9.2 suits European beginners who want simplicity, diversified assets, and don't mind higher fees. Easy entry to crypto.
Bitstamp at 8.1 suits experienced European traders who want proven reliability and lower fees. Established and efficient.
About the author
At Exchange Flow, Ethan is recognized as the resident crypto expert. With 10+years of experience navigating the waters of global crypto exchanges, Ethan is a trusted voice in the ever-evolving world of digital currencies. He tests and scrutinizes exchanges so you don’t have to, offering reviews and articles that newbies and seasoned traders alike find invaluable. When he’s not coding, Ethan likes to travel and play retro games. He uses his crypto earnings to fund his trip around the globe.
