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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 Coinbase in comparison
Overview
- 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
- Open in every US state, including New York under an NYDFS license
- Money transmitter licenses in 47 US jurisdictions, plus authorizations in Luxembourg, the UK and Canada
- Simple app for buying, plus Coinbase Advanced with TradingView charts and advanced order types
- More than 400 crypto assets with live markets, plus commission-free US stock trading 24/5
- Two-factor authentication switched on by default, with security key support
- Parent company listed on Nasdaq, with quarterly financial reports
- Higher entry-level fees than Kraken Pro: 0.50% maker and 0.90% taker on Coinbase Advanced in the US, against 0.40% and 0.80%
- Simple buys include a spread, and simple limit orders add a 1% execution fee
- Bitcoin and Ether futures for US customers go up to 10x leverage, so traders who want more look elsewhere
- No proof-of-reserves report for exchange balances that we could find
Features Comparison
- Cryptocurrencies
- Stocks
- ETFs
- Crypto indices
- Precious metals
- Cryptocurrencies
0.99
%
0.25%
0.25%
Varies
0.9
%
0.90%
0.50%
Varies
568
+
$
10
407
+
$
2
- Replaced BEST and PAN in July 2025
- Utility across Bitpanda Web3 products
Exchange Rating
Functions
- Crypto debit card (Visa)
- Crypto indices
- Monthly savings plan
- Spot, futures trading options
- Coinbase Card
- Coinbase Wallet
Company Details
Our Review
Coinbase is a US-listed exchange accessible to residents in every US state, with regulatory licenses in the US, Luxembourg, and the UK. In our view it is a good place for a first crypto purchase, with a simple app and a regulated operator. Active traders can pay less: we would compare Kraken Pro first, whose entry-level taker fee is 0.80%, against 0.90% on Coinbase Advanced in the US.
European Beginner vs American Beginner Platform
Bitpanda and Coinbase follow similar playbooks for different markets. Both target beginners with easy interfaces and regulatory compliance. Bitpanda serves Europe, Coinbase serves America. The philosophies align; the geographies don't.
Beginner Focus
Bitpanda scores 10/10 for beginner friendliness. Coinbase also scores 10/10. Both are explicitly designed for users with zero crypto experience. You can't go wrong with either as a starting point in their respective regions.
Regulatory Approach
Bitpanda operates with European regulation—important for EU users who want compliance. Coinbase is a publicly listed U.S. company with American regulation—important for U.S. users who want the same.
Both score 9/10 on security and trust. Both take compliance seriously.
Fee Comparison
Coinbase includes a spread in the price of simple trades and adds a Coinbase fee. Bitpanda's broker charges a premium built into the price, 0.99% for Bitcoin and stablecoins, 1.49% for other crypto assets and 2.49% for small caps and Spotlight assets. Bitpanda wins on fees, though both are expensive compared to trader-focused platforms.
Coin Selection
Bitpanda offers 568 cryptocurrencies plus stocks, ETFs, and metals. Coinbase lists more than 400 cryptocurrencies. Bitpanda has more crypto selection and broader asset diversification.
Ecosystem Features
Both offer spending cards: Bitpanda's Visa debit card and the Coinbase Card, a Visa prepaid debit card. Both enable crypto spending in daily life. The feature sets mirror each other.
Geographic Fit
Bitpanda at 9.2 is the natural choice for European beginners—euro-friendly, EU-regulated, and designed for the market.
Coinbase at 8.3 is the natural choice for American beginners—dollar-friendly, US-regulated, and designed for that market. The rating gap reflects Bitpanda's lower fees and broader selection.
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.
