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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 Crypto.com in comparison
Overview
Crypto.com was founded in 2016. It serves US customers mainly through Foris DAX, Inc., a Delaware corporation, and customers in the EEA through Foris DAX MT Limited in Malta, which holds a MiCA license from the MFSA. Its App covers buying, selling, staking, cards and, in the US, stocks, and the Crypto.com Exchange is its order book.
- 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 49 US states, Washington, DC and the US territories
- Exchange spot fees from 0.25% maker and 0.50% taker, lower with volume or a CRO balance
- More than 12,000 commission-free stocks and ETFs for US customers
- MiCA license in the EEA through the MFSA
- No Crypto.com fee on ACH deposits from 1 USD
- Not available in New York
- App trades cost 0.8% plus a possible spread without a paid Level Up plan
- Bitcoin withdrawals cost 0.0004 BTC on the Exchange
- Latest published proof of reserves covers balances as of December 7, 2022
- Two separate apps with different fee models
Features Comparison
- Cryptocurrencies
- Stocks
- ETFs
- Crypto indices
- Precious metals
- Cryptocurrencies
0.99
%
0.25%
0.25%
Varies
0.5
%
0.50%
0.25%
Varies
568
+
$
10
416
+
$
1
- Replaced BEST and PAN in July 2025
- Utility across Bitpanda Web3 products
- Cashback program
- Discount on fees
- Earn interest through staking
- Further advantages & features
Exchange Rating
Functions
- Crypto debit card (Visa)
- Crypto indices
- Monthly savings plan
- Crypto.com Visa Card
- Earn interest on crypto
- NFT marketplace
Company Details
Our Review
Crypto.com suits buyers in 49 US states, Washington, DC and the US territories, the EEA and the UK who want crypto, a card and, in the US, stocks in one app. Its Exchange starts at 0.25% maker and 0.50% taker; App trades carry 0.8% plus a possible spread. In our view, active traders should look at Kraken, and New York residents at Coinbase.
European Simplicity vs Global Crypto Lifestyle
Bitpanda prioritizes regulatory compliance and simple interface for European users. Crypto.com prioritizes ecosystem breadth with cards, earning, and global reach. Both make crypto accessible, but Bitpanda does it through simplicity while Crypto.com does it through features.
Fee Comparison
The Crypto.com Exchange starts at 0.25% maker and 0.50% taker. Bitpanda's standard broker charges a premium of 0.99% on Bitcoin and stablecoins, 1.49% on other crypto assets and 2.49% on small caps, while Bitpanda Fusion charges 0.25% at the entry level. For cost-conscious users, the order book on either platform is the cheaper route.
Platform Approach
Bitpanda keeps things simple with European regulation as the trust anchor. The platform works for beginners who want to buy and hold without complexity.
Crypto.com builds an ecosystem—Visa card for spending, interest on holdings, diverse features. More to learn, but more to do.
Beginner Experience
Bitpanda scores 10/10 for beginner friendliness—the highest possible. Crypto.com also targets beginners with easy handling but offers more features to navigate.
Coin Selection
Bitpanda lists 568 cryptocurrencies. Crypto.com lists 416. Bitpanda has the larger selection.
Cards and Earning
Both offer Visa cards for crypto spending. Crypto.com is more aggressive with card rewards and earning interest on crypto. Bitpanda offers monthly savings plans and crypto indices.
The Decision
Bitpanda at 9.2 suits European users who prioritize regulation, simplicity, and diversified assets beyond just crypto. Pay more per trade for peace of mind.
Crypto.com at 8.0 suits users who want lower fees, ecosystem features, and don't prioritize European regulation specifically. More capable, less simple.
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.
