Updated September 29, 2026 · HodlCue Editorial Team
Bitpanda vs Bitstamp
Bitpanda
Higher score in this comparison
Bitstamp
Bitpanda vs Bitstamp: the differences
| Compare | BitpandaReviewVisitVisit | BitstampReviewSee alternativesSee alternatives |
|---|---|---|
| Coins listed | from 650 | 98 |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA) | MiCA CASP authorisation (EU), Payment institution (PI) authorisation (EU), MiFID authorisation (EU), Financial Conduct Authority (FCA) MLR registration, New York State Department of Financial Services (BitLicense), FinCEN Money Services Business (MSB) registration, Monetary Authority of Singapore Major Payment Institution licence, Commission de Surveillance du Secteur Financier (CSSF) |
| Taker fee | Not confirmed | 0.4% |
| Fiat deposit methods | Not confirmed | Card, ACH, Apple pay, Bank |
| Maker fee | Not confirmed | 0.3% |
| Proof of reserves | Not confirmed | Yes |
| Withdrawal fee | Not confirmed | 0.09% international wire transfer (minimum 15.00 USD/EUR); BTC free or 0.1% via BitGo Instant |
| Derivatives | Not confirmed | No |
Same on both: Exchange type (Cex).
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Key differences
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only Bitstamp offers MiCA CASP authorisation (EU), Payment institution (PI) authorisation (EU), MiFID authorisation (EU).
- Bitstamp is licensed in 1 more country.
- Features: only Bitpanda offers Crypto, Multi currency, Travel.
- Features: only Bitstamp offers Staking.
Our verdict on each
Bitpanda
Bitpanda suits people who want one crypto exchange and one debit card with no monthly charge and no currency conversion markup. The catch is how the money is held: the card is custodial, so the provider keeps the crypto rather than the holder. Regulated entities sit in Austria, Germany and Malta.
Bitstamp
Bitstamp suits crypto buyers who prefer a custodial exchange with proof of reserves, several fiat deposit routes and regulation in the EU, UK, US and Singapore. The trade-off is cost: a taker fee of 0.4% sits above the buy-crypto median of 0.25%, so frequent traders should weigh it.
Score breakdown
| Area | Bitpanda | Bitstamp |
|---|---|---|
| Cost | 9.4HigherMonthly fee of €0 and currency conversion fee of 0%, so card spending costs nothing on either count. | 8.4The custodial account charges a taker fee of 0.4% and a maker fee of 0.3% on spot trading. |
| Offer | 8.8 | 9.2HigherThe exchange lists 98 coins, adds staking to its custodial features and funds accounts through card, ach and apple pay. |
| Trust | Not confirmed | 9.7 |
How they place
| Ranking | Bitpanda | Bitstamp |
|---|---|---|
| Crypto exchanges | 6 of 297 | 76 of 297 |
Every fact side by side
| Fact | Bitpanda | Bitstamp |
|---|---|---|
| Features | Crypto, Custodial, Multi currency, Travel, Virtual card | Custodial, Staking |
| Legal entity | Bitpanda GmbH | Bitstamp Europe S.A. |
| Headquarters | Austria | Luxembourg |
| Founded | Not confirmed | 2011 |
| Support channels | Not confirmed | Chat, Email, Community |
Where each stands against the rest
| Fact | Bitpanda | Bitstamp | Median |
|---|---|---|---|
| Taker fee | Not confirmed | 0.4%above the median | 0.15% |
| Coins listed | from 650highest quarter | 98above the median | 76 |
| Maker fee | Not confirmed | 0.3%highest quarter | 0.1% |
Median across 219 listed providers.
Pros and cons
Bitpanda
Pros
- Monthly fee of €0 and a currency conversion fee of 0%, which beats the card comparison set where the typical figure is 1%
- A debit card on the visa network, so it works in the same terminals and apps as other Visa cards
- Cashback of 1% on spending, money that stays in the account rather than being spent twice
Cons
- Custody is custodial, so the provider holds the crypto and the holder does not control the keys
- A currency conversion fee of 0% leaves no room to cut costs elsewhere, unlike Wise where spending money abroad is the point
- The card is a debit card, so a crypto balance cannot be moved into a self-custody wallet the way it can from a non-custodial provider
Bitstamp
Pros
- Proof of reserves: yes, so listed holdings can be set against published balances.
- The regulatory record spans the EU, UK, US and Singapore: MiCA CASP authorisation (EU), Payment institution (PI) authorisation (EU) and MiFID authorisation (EU).
- Fiat deposits run through card, ach and apple pay, giving several funding routes.
Cons
- The taker fee of 0.4% is above the buy-crypto median of 0.25%.
- Derivatives: no.
- Support runs on chat, email and community only, with no phone line listed.
Who each suits
Bitpanda
Who it suits
- Anyone who wants a single regulated European exchange with a spending card attached
- People who spend in euro and rarely need to convert, given the currency conversion fee of 0%
- Holders who prefer a custodial setup run by a licensed company rather than managing keys themselves
Who should look elsewhere
- Self-custody holders, since custody here is custodial and the keys stay with the provider
- Anyone whose main need is cheap international spending, where Wise is the better fit
- Credit users, since the card is a debit card and Monzo Flex or the BMW Card from American Express are built around borrowing
Bitstamp
Who it suits
- Buyers who want a range of fiat deposit routes, card, ach and apple pay.
- Traders who put regulated status and proof of reserves ahead of the lowest possible fee.
- Holders comfortable letting a custodial exchange hold the coins, one of the features in custodial and staking.
Who should look elsewhere
- ActivTrades, where a taker fee of 0% suits traders focused on cost alone.
- bunq, whose taker fees run 0.25% to 1.99% for a different fee band.
- Bitpanda, if a coin list of from 650 matters more than an exchange with staking.
Country by country
| Country | Bitpanda | Bitstamp |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
8 of 20 countries where either is available.
Questions about each
Bitpanda
How much does the Bitpanda card cost to hold?+
The monthly fee is €0, so there is no recurring charge for keeping the card and using it. The typical monthly fee across the site is €0, with a highest figure of €99, so this card sits at the free end of the range.
Does the card charge for spending in another currency?+
The currency conversion fee is 0%, so there is no conversion markup on top of the exchange rate. For comparison, the typical conversion fee across the site is 1% and the spread runs from 0% to 10.5%.
Bitstamp
What are Bitstamp's trading fees?+
On the standard custodial account, the taker fee is 0.4% and the maker fee is 0.3% on spot trading. That taker fee is above the buy-crypto median of 0.25%, so regular trading costs more here than at the cheaper end of the market.
How many coins are listed on Bitstamp?+
Bitstamp lists 98 coins, which sits above the buy-crypto median of 60 but well under the category maximum of 20,000. Buyers chasing long-tail tokens will find a shorter list than the largest venues on the comparison.
Other options to compare
Other matchups
Related by the facts
- Kraken Staking, also regulated by Austrian Financial Market Authority (FMA)
- Providers with Card, ACH, Apple pay, Bank
- Providers available in Germany
- Gemini, also regulated by Malta Financial Services Authority (MFSA)
- Providers available in Australia
- Coinbase, also regulated by Commission de Surveillance du Secteur Financier (CSSF)
Bitpanda
Bitstamp