Updated September 29, 2026 · HodlCue Editorial Team
Bitpanda vs Crypto.com
Bitpanda
Crypto.com
Higher score in this comparison
Bitpanda vs Crypto.com: the differences
| Compare | BitpandaReviewVisitVisit | Crypto.comReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | $0 |
| Currency conversion fee | 0%Lower | 0.2% to 2% |
| Card type | Debit | Prepaid |
| Cashback rate | 1%Higher | 0% |
| Free ATM withdrawals | Not confirmed | $200 |
| Top-up fee | Not confirmed | 1% on debit/credit card top-up |
| Currencies | Not confirmed | 20 |
Same on both: Card network (Visa), Custody (Custodial).
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Key differences
- Crypto.com scores higher overall: 9.4 vs 9.1.
- Crypto.com is licensed in 1 more country.
- Currency conversion fee is lower at Bitpanda: 0% vs 0.2% to 2%.
- Cashback rate is higher at Bitpanda: 1% vs 0%.
- Features: only Bitpanda offers Crypto, Multi currency, Travel.
- Features: only Crypto.com offers Self custody, 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.
Crypto.com
Crypto.com suits European readers who want trading, card spending and earning in a single app, with a taker fee of 0.02% to 0.16% and a card that is free to hold. The trade-off is custody, since balances sit with the platform under custodial rather than in a wallet you control.
Score breakdown
| Area | Bitpanda | Crypto.com |
|---|---|---|
| Cost | 9.4Monthly fee of €0 and currency conversion fee of 0%, so card spending costs nothing on either count. | 9.5Higher |
| Offer | 8.8 | 9.7HigherTaker fees of 0.02% to 0.16%, a card with a monthly fee of $0 and Earn paying 0.25% to 12%. |
| Trust | Not confirmed | 9.2 |
Where each is licensed and available
| Country | Bitpanda | Crypto.com |
|---|---|---|
| Malta | Malta Financial Services Authority (MFSA) MiCA CASP 984500DEID7B03J77118 | Malta Financial Services Authority (MFSA) MiCA CASP 2549005CVR5HH70FDO07 |
| Austria | Austrian Financial Market Authority (FMA) MiCA CASP 5493007WZ7IFULIL8G21 AT_FMA PSD_EMI AT_FMA_54966 | Not confirmed |
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 9845005X9B7N610K0093 | Not confirmed |
| Hong Kong | Not confirmed | |
| Singapore | Not confirmed | |
| United States | Not confirmed |
Which one suits you
Pick Bitpanda if currency conversion fee and cashback rate matter most.
Pick Crypto.com if offer matter most.
How they place
| Ranking | Bitpanda | Crypto.com |
|---|---|---|
| Crypto exchanges | 6 of 297 | 40 of 297 |
| Crypto debit cards | 4 of 145 | 31 of 145 |
Sources behind this comparison
Bitpanda
- bitpanda.com: 5 facts, checked September 26, 2026
- cryptocardhub.com: 2 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Crypto.com
- crypto.com: 9 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- help.crypto.com: 2 facts, checked September 26, 2026
- coingecko.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Bitpanda | Crypto.com |
|---|---|---|
| Features | Crypto, Custodial, Multi currency, Travel, Virtual card | Custodial, Self custody, Staking |
| Legal entity | Bitpanda GmbH | Foris DAX MT Limited |
| Headquarters | Austria | Malta |
| Founded | Not confirmed | 2019 |
| Support channels | Not confirmed | Email, Chat, Help centre, Community |
Crypto exchanges
| Fact | Bitpanda | Crypto.com |
|---|---|---|
| Taker fee | Not confirmed | 0.02% to 0.16% |
| Coins listed | from 650 | 392 |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA) | Malta Financial Services Authority, Malta Financial Services Authority (Electronic Money Institution), Malta Financial Services Authority (MiFID II investment firm / CIF), US regulators (Designated Contract Market and Derivatives Clearing Organization), Major Payment Institution, SFC Virtual Asset Trading Platform, Malta Financial Services Authority (MFSA) |
| Fiat deposit methods | Not confirmed | Card, Bank, SEPA, Apple pay |
| Maker fee | Not confirmed | 0.02% to 0.16% |
| Proof of reserves | Not confirmed | Yes |
| Withdrawal fee | Not confirmed | Estimated network transaction fee, per coin |
| Derivatives | Not confirmed | Yes |
| Exchange type | Cex | Cex |
Crypto earn
| Fact | Bitpanda | Crypto.com |
|---|---|---|
| Yield | Not confirmed | 0.25% to 12% |
| Supported assets | Not confirmed | BTC, ETH, DAI, USDP, ALGO, AVAX, BNB, ADA, ATOM, EGLD, ONE, NEAR, DOT, POL, SOL, VET, ZIL, INJ, TIA, APT, KSM, KAVA, SEI, SUI, XTZ, MINA, FLIP, OSMO, GRT, AKT, ZETA, DYDX, FET, TON, AXL, BARA, LION, S, FLR, TAO, USDC, USDT |
| Lock-up terms | Not confirmed | Flexible, 1-month or 3-month fixed terms; Flash Rewards 7-day or 14-day lockups |
Where each stands against the rest
| Fact | Bitpanda | Crypto.com | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0.2% to 2%below the median | 0.25% |
| Free ATM withdrawals | Not confirmed | $200above the median | $0 |
| Cashback rate | 1%lowest quarter | 0%lowest quarter | 2% |
| Currencies | Not confirmed | 20below the median | 30 |
Median across 58 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
Crypto.com
Pros
- Taker fees run 0.02% to 0.16% and maker fees 0.02% to 0.16%, against 0.2% across ranked exchanges.
- Licensed in Malta, the US, Hong Kong and Singapore: the regulator list reads Malta Financial Services Authority, Malta Financial Services Authority (Electronic Money Institution) and Malta Financial Services Authority (MiFID II investment firm / CIF).
- A proof of reserves page is published, so the claim that customer assets are fully backed can be checked.
Cons
- Phone is not among the email, chat and help centre listed, so urgent account problems go through chat or email.
- Balances are custodial, as custodial records, so the platform holds the coins and access depends on the account staying open.
- The catalogue is shorter than some rivals: 392 against from 650 at Bitpanda.
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
Crypto.com
Who it suits
- European readers who want a regulated account, a prepaid card and staking in a single app, since custodial, self custody and staking covers custodial and self-custody alongside staking.
- Readers who spend in the currency they hold, with 20 currencies supported and an ATM allowance of $200.
- Readers who want a deep catalogue at low spreads, with 392 coins listed and derivatives trading on the same platform.
Who should look elsewhere
- Readers chasing the longest coin list should look at Bitpanda, which shows from 650 against Crypto.com's 392.
- Readers who want a commission-free schedule can find one at ActivTrades, listed at 0%.
Country by country
| Country | Bitpanda | Crypto.com |
|---|---|---|
| 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%.
Crypto.com
What does it cost to trade on Crypto.com?+
Trading fees are where costs begin. Taker fees run 0.02% to 0.16% and maker fees 0.02% to 0.16%, against 0.2% across ranked exchanges. Withdrawals are charged as an estimated network transaction fee per coin, so the cost follows the chain you withdraw on rather than the exchange.
How many coins can I buy?+
The exchange lists 392 coins, above the 74.5 typical of ranked exchanges, though Bitpanda shows from 650. The feature list reads custodial, self custody and staking, so self-custody is available alongside the default custodial account. Staking is offered on the same balances.
Other options to compare
Other matchups
Related by the facts
- Gemini, also regulated by Malta Financial Services Authority (MFSA)
- Providers with Card, Bank, SEPA, Apple pay
- Providers available in Germany
- Kraken Staking, also regulated by Austrian Financial Market Authority (FMA)
- Providers available in Australia
- Wirex Card, also regulated by Malta Financial Services Authority
Bitpanda
Crypto.com