Bitpanda
Pros
- Easy to use for beginners
- Multiple fiat payment methods
- Built-in staking and savings features
- Regulated in Europe
Cons
- Not available in the US
- No proof of reserves
- Custodial (no private keys)
- Limited advanced trading options
Provider comparison
Bitpanda vs Changelly
Bitpanda vs Changelly: compare maker / taker fee, supported coins, fees, regulation, and custody in one head-to-head table.
Bitpanda
Bitpanda is a custodial exchange that is not available to US residents and does not publish proof of reserves…
VS
Changelly
Changelly is a non-custodial exchange that lets you swap cryptocurrencies quickly without creating an account…
Head-to-head comparison
Maker / taker fee
Bitpanda
No maker/taker; spread ~1.49% on buys/sells (Bitpanda), tighter on Fusion/Pro
Changelly
No maker/taker; ~0.25% swap fee + network fees, plus higher fiat-buy spread
Supported coins
Bitpanda
600+ assets incl. metals/stocks
Changelly
500+
Fiat on-ramps
Bitpanda
SEPA, card, Apple/Google Pay, local EU methods
Changelly
Card and bank via partners (Banxa/Moonpay etc.)
KYC level
Bitpanda
required
Changelly
optional (none) for most crypto-to-crypto swaps; KYC on fiat/flagged tx
US allowed
Bitpanda
Changelly
Proof of Reserves
Bitpanda
n (MiCA-regulated, audited instead)
Changelly
n (non-custodial, funds pass through)
Order-book depth
Bitpanda
Moderate (provider/spread model)
Changelly
Aggregated from partner exchanges
Instruments
Bitpanda
spot, staking, Bitpanda Pro/Fusion, metals, stocks, ETFs
Changelly
instant swaps, fiat on-ramp
| Feature | Bitpanda | Changelly |
|---|---|---|
| Maker / taker fee | No maker/taker; spread ~1.49% on buys/sells (Bitpanda), tighter on Fusion/Pro | No maker/taker; ~0.25% swap fee + network fees, plus higher fiat-buy spread |
| Supported coins | 600+ assets incl. metals/stocks | 500+ |
| Fiat on-ramps | SEPA, card, Apple/Google Pay, local EU methods | Card and bank via partners (Banxa/Moonpay etc.) |
| KYC level | required | optional (none) for most crypto-to-crypto swaps; KYC on fiat/flagged tx |
| US allowed | ||
| Proof of Reserves | n (MiCA-regulated, audited instead) | n (non-custodial, funds pass through) |
| Order-book depth | Moderate (provider/spread model) | Aggregated from partner exchanges |
| Instruments | spot, staking, Bitpanda Pro/Fusion, metals, stocks, ETFs | instant swaps, fiat on-ramp |
Pros & cons
Changelly
Pros
- No account registration required
- Non-custodial: you control your funds
- Available in the United States
- Fast swaps with many coin pairs
Cons
- Does not publish proof of reserves
- Fees are embedded in the exchange rate spread
- Limited advanced trading features
Bitpanda
Bitpanda is a custodial exchange that is not available to US residents and does not publish proof of reserves. This review covers what it offers, who it suits, and what to check before signing up.
Changelly
Changelly is a non-custodial exchange that lets you swap cryptocurrencies quickly without creating an account. It is available in the US and does not publish proof of reserves.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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