Bitpanda fees
- Our rating
- 4.4
- Headline
- Premium built into the price
- Review updated
- 2026-08-12
Bitcoin buys show no separate commission; the cost sits in a premium built into the quoted price. SEPA deposits are free, card deposits carry a fee.
Fee schedule
- spread note
- Buy and sell prices include Bitpanda's premium; there is no separate visible commission.
- deposit note
- SEPA transfers are free; card, Apple Pay, and Google Pay deposits carry processing fees.
- withdrawal note
- Bitcoin withdrawals to self-custody pay a network fee.
What the rails themselves cost
The scheme or the bank sets these, not Bitpanda. The 6 rails Bitpanda offers in the most countries we rank it in.
- SEPA transfer
- Set by your own bank rather than by the scheme, and inside the EU and EEA a euro transfer to another SEPA country must cost the same as a domestic one.
- Credit or debit card
- The networks bill the merchant rather than you, but many issuers class a crypto purchase as a cash advance, and the CFPB notes that interest on a cash advance generally starts from the transaction date with no grace period.
- Apple Pay
- Apple states that it charges no fee when you pay with Apple Pay in stores, online or in apps, so your cost is whatever the underlying card costs, including any cash advance treatment by the issuer.
- Google Pay
- Google says it does not charge a monetary fee to use a virtual card, so you pay only what the underlying card costs, which for a crypto purchase may include cash advance treatment by your issuer.
- SEPA Instant
- Under the EU Instant Payments Regulation a provider may not charge more for sending or receiving an instant credit transfer than it charges for an ordinary one.
- iDEAL
- Free for the payer: the Dutch Payments Association states iDEAL is included as standard and free of charge with every payment account, with the merchant paying the scheme fee.
Country-specific costs
Every rail note our country guides carry for Bitpanda. The trading fee is the same everywhere; the funding rail is where the price moves.
| Country | Rail | Note |
|---|---|---|
| Netherlands | iDEAL | free |
How Bitpanda compares
The headline fee line from each alternative's review. Headlines hide spreads and funding fees, so open the full schedule before choosing.
| Exchange | Rating | Fees | ID check | Fee guide |
|---|---|---|---|---|
| Bitpanda | 4.4 | Premium built into the price | Required | |
| Bitvavo | 4.5 | 0.15% maker at the base tier | Required | Fee guide |
| Relai | 4.5 | Around 1% per purchase | Required | Fee guide |
| Kraken | 4.7 | From 0.25% maker, 0.40% taker | Required | Fee guide |
| Bitstamp | 4.3 | Maker-taker, falls with volume | Required | Fee guide |
Compared: Bitvavo, Relai, Kraken and Bitstamp, the alternatives our Bitpanda review names.
Frequently asked questions
What are Bitpanda's trading fees?
Bitcoin buys show no separate commission; the cost sits in a premium built into the quoted price. SEPA deposits are free, card deposits carry a fee.
Does Bitpanda charge deposit fees?
SEPA transfers are free; card, Apple Pay, and Google Pay deposits carry processing fees.
What does Bitpanda charge to withdraw bitcoin?
Bitcoin withdrawals to self-custody pay a network fee.
Is there a spread on Bitpanda?
Buy and sell prices include Bitpanda's premium; there is no separate visible commission.
Do Bitpanda's costs differ by country?
Our country guides note 1 rail-specific cost for Bitpanda: Netherlands, ideal, free. The trading fee itself is the same everywhere; what changes is the funding rail.
How do Bitpanda's fees compare with its alternatives?
Headline fee lines, from each review: Bitvavo, 0.15% maker at the base tier; Relai, Around 1% per purchase; Kraken, From 0.25% maker, 0.40% taker; Bitstamp, Maker-taker, falls with volume. Bitpanda's own line is Premium built into the price. A headline hides the spread and the funding fee, so compare the full schedules before choosing.