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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.
Bitvavo vs Bitpanda in comparison
Overview
- Low entry fees on euro markets: 0.15% maker, 0.25% taker
- Authorized under MiCA by the Dutch AFM
- Free SEPA deposits and euro withdrawals
- 427 crypto assets on the order book, plus staking and recurring buys
- Proof-of-reserves attestation and reimbursement of up to €100,000 after an account takeover
- Only for residents of 25 countries in the EEA
- No futures or options
- 1% fee on credit card, Apple Pay, Google Pay and PayPal deposits
- Crypto withdrawal fees set by Bitvavo, which says they can be higher than from a private wallet
- Staking, lending, margin trading and locked-price orders are not regulated under MiCA
- 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
Features Comparison
- Cryptocurrencies
- Cryptocurrencies
- Stocks
- ETFs
- Crypto indices
- Precious metals
0.25
%
0.25%
0.15%
Varies
0.99
%
0.25%
0.25%
Varies
426
+
$
568
+
$
10
- Replaced BEST and PAN in July 2025
- Utility across Bitpanda Web3 products
Exchange Rating
Functions
- Spot trading on EUR and USDC markets
- Margin trading
- Flexible and fixed-term staking
- Crypto debit card (Visa)
- Crypto indices
- Monthly savings plan
Company Details
Dutch Value vs European Simplicity
Bitvavo built a reputation as one of Europe's most cost-effective crypto platforms. Bitpanda built a reputation as one of Europe's simplest. Both target European beginners—Bitvavo prioritizes value, Bitpanda prioritizes ease of use.
Fee Comparison
Bitvavo charges 0.25% taker and 0.15% maker—among the lowest fees in Europe. Users consistently praise the competitive pricing.
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 Fusion charges 0.25% at the entry level. You're paying for simplicity and broader asset options.
Ease of Use
Bitpanda scores 10/10 for beginner friendliness. The platform is designed for users with zero experience.
Bitvavo scores 8/10—still beginner-friendly but with slightly more to navigate.
What's Available
Bitpanda offers 568 cryptocurrencies plus stocks and metals. The platform works as a diversified investment app.
Bitvavo lists 426 cryptocurrencies plus margin trading and staking. More crypto-focused.
European Focus
Both platforms emphasize European compliance and euro-friendly operations. Bitvavo works particularly well with Dutch banking. Bitpanda serves broader European markets.
Special Features
Bitvavo offers flexible and fixed-term staking.
Bitpanda offers crypto indices and monthly savings plans for systematic investing.
Making Your Choice
Bitvavo at 8.8 suits cost-conscious European traders who want low fees and good security. Value-focused.
Bitpanda at 9.2 suits Europeans who prioritize maximum simplicity and diversified assets. Simplicity-focused. The rating difference reflects Bitpanda's broader appeal despite higher fees.
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.
