Bitpanda vs Bitvavo

Bitpanda and Bitvavo are both centralized exchanges that hold a MiCA licence and let you buy and sell crypto on the spot market. The main difference is cost and range: Bitpanda charges much more per trade but adds tokenized stocks alongside crypto, while Bitvavo keeps fees low and sticks to crypto.

Bitpanda vs Bitvavo

Category	BBitpanda6.4/10	BBitvavo8.9/10
Overview
CryptoWinRate score	6.4/10	8.9/10 (higher)
Founded	2014	2018
Headquarters	Vienna	Amsterdam
Founder	Christian Trummer	Mark Nuvelstijn
CEO	Eric Demuth	Mark Nuvelstijn
KYC	Required	Required
MiCA licence	Yes	Yes
Regulator	Austrian Financial Market Authority (FMA)	Netherlands Authority for the Financial Markets (AFM)
Availability
Available in your country	—	—
Restricted countries	157 countries	186 countries
Deposits and withdrawals
Deposit methods	11 methods	8 methods
Withdrawal methods	3 methods	2 methods
24-hour withdrawal limitKYC 1	€5,000,000	€25,000
Trading fees
Spot maker fee	1.49%	0.15% (lower)
Spot taker fee	1.49%	0.25% (lower)
EU spot feesmaker/taker	1.49% / 1.49%	0.15% / 0.25% (lower)
Coins and markets
Spot assetscrypto	575 (higher)	427
EU coins	575 (higher)	427
Stocks	7,758	—
ETFs	2,638	—
Indices	7	—
Commodities	149	—
Leverage and margin
Spot margin	10×	—
Features
Spot	Yes	Yes
Lending	No	Yes
Staking	Yes	Yes
Debit card	Yes	No
Security
Proof of reserves	No	YesAttestation ↗
Cold storage	Yes	Yes
Two-factor authentication	Yes	Yes
Withdrawal address whitelist	Yes	Yes
Anti-phishing passphrase	Yes	No
Sign-up bonus
Bonus	100€	10€
	Visit Bitpanda ↗Read review →	Visit Bitvavo ↗Read review →

Availability in your country is checked live against each exchange's restricted-country list.

Who should choose Bitpanda

Bitpanda fits someone who wants more than crypto in one place. It offers 7,758 tokenized stocks on top of 575 spot coins, so you can hold crypto and stock tokens in the same account. It also has a debit card for spending and staking to earn on coins you hold. The catch is the fee: both the maker and taker rate sit at 1.49%, so frequent trading gets expensive. It holds a MiCA licence and requires identity verification.

Who should choose Bitvavo

Bitvavo suits anyone focused on crypto who cares about cost. Its maker fee is 0.15% and its taker fee is 0.25%, far below what Bitpanda charges, which matters if you trade often. It covers 427 spot coins and offers staking plus lending so idle coins can earn. There is no debit card and no tokenized stocks. It holds a MiCA licence and requires identity verification.

Verdict

Pick Bitvavo if you trade crypto regularly and want to keep fees low, with staking and lending on the side. Pick Bitpanda if you want crypto and tokenized stocks together and a debit card, and you accept the higher trading cost.