Bitpanda vs Trade Republic: Which Broker to Choose for Investing?

Bitpanda or Trade Republic: are you hesitating between these two online brokers for investing?

This is a question that comes up often, and for good reason. On paper, both platforms have what it takes to be appealing since they offer a simple onboarding, fees of 1 € per transaction, and quick access to stocks, ETFs or even cryptocurrencies. But once past this initial observation, the differences appear fairly quickly. Positioning, products offered… there are many differences between Bitpanda and Trade Republic.

So, which one to choose based on your profile and your investment goals? To help you see more clearly, we have compared Bitpanda and Trade Republic point by point in order to share our view on which to choose for your investments.

Bitpanda vs Trade Republic: what are the specifics of the two brokers?

Before getting into the details of Trade Republic and Bitpanda’s offerings, let’s take a moment to review the specificities unique to each of these two online brokers.

What are the specifics of Bitpanda?

Bitpanda is a European broker that first made a name for itself in the cryptocurrency world before gradually broadening its offering. Designed from the outset to simplify crypto investing, the Bitpanda platform is primarily aimed at individual investors seeking an intuitive solution to manage different types of assets in one place.

Here are the main specifics of Bitpanda:

• Headquarters: Bitpanda is based in Vienna, Austria.
• Founded: the Bitpanda platform was founded in 2014.
• Initial crypto positioning: Bitpanda first established itself as a reference for buying and selling cryptocurrencies.
• Multi-asset platform: today, the Bitpanda broker also offers stocks, ETFs and precious metals in an all-in-one framework.
• Accessibility: it is possible to invest with small amounts, which makes it a suitable solution for beginner investors.
• Business and Wealth Management offering: Bitpanda provides solutions for businesses and premium clients, with tailored services and personalized support.
• Educational dimension: Bitpanda provides an Academy with numerous educational resources to accompany investors in their learning.

In the end, Bitpanda stands out for its crypto DNA and its aim to democratize investing through a simple, complete, and accessible platform.

What are the specifics of Trade Republic?

Trade Republic has established itself in a few years as one of the most popular online brokers in Europe, notably among retail investors. Trade Republic was initially built around accessible stock market investing with small amounts, notably thanks to a very ETF- and fractional-share oriented approach, before gradually expanding its offering.

Here are the main specifics of Trade Republic:

• Headquarters: Trade Republic is based in Berlin, Germany.
• Founded: the Trade Republic platform was founded in 2015.
• Initial positioning (stocks/ETFs): Trade Republic initially developed around stock market investing, with simplified access to stocks and ETFs.
• Multi-asset platform: the stock brokerage now also offers cryptocurrencies, bonds and private equity.
• Accessibility: the app is very intuitive, the user journey is smooth and investing is possible with small amounts.
• Lobbying positioning: Trade Republic takes an active stance in democratizing investing in Europe, with regular statements to facilitate access for retail investors to the financial markets.

In short, Trade Republic stands out for its stock-market-oriented approach and its desire to simplify investing as much as possible, with a clearly accessibility- and democratization-focused stance toward European investing.

Bitpanda or Trade Republic: who has the better offering?

After reviewing their specifics, let’s now focus on their offering as such, to see concretely what Bitpanda and Trade Republic offer to investors.

What does Bitpanda’s offering look like?

With Bitpanda, the offering today is particularly rich, with a genuine all-in-one platform logic that goes well beyond just stocks and ETFs. The online broker maintains its crypto DNA while offering numerous solutions to diversify investments.

Here are the main elements to remember about Bitpanda’s offering in 2026:

• Wide investment universe: access to about 7,500 stocks, 2,500 ETFs and more than 650 cryptocurrencies
• Strengthened crypto positioning: wide selection of digital assets, including also crypto indices to invest in baskets of cryptos
• Leverage products: ability to access leverage (10:1) on cryptos
• Precious metals: investment possible in gold, silver, platinum or palladium
• Fractional investing: the ability to invest from €2
• Savings plan: setup of programmed investments with a customizable frequency
• Bitpanda Cash Plus: solution allowing to generate a yield on uninvested cash. The EUR rate is 1.59% but can evolve based on ECB decisions. The rate goes up to 3% for USD and GBP liquidity
• Bitpanda Earn: ability to earn yields on certain cryptocurrencies held
• Bitpanda Card: card allowing to spend assets daily, with a cashback system potentially up to 1% in cryptocurrencies on eligible payments
• Business offering: Bitpanda offers solutions for companies (Bitpanda Business), enabling investing and management of assets (crypto, etc.) in a professional framework.
• Wealth Management offering: Bitpanda also offers dedicated support for premium investors (Bitpanda Wealth), with personalized services and bespoke solutions.
• Execution venue: orders are executed via Quotrix, on the Düsseldorf Stock Exchange for stocks and ETFs.

Overall, Bitpanda offers a very complete offering, particularly attractive for investors who want to combine crypto, traditional assets and yield-generation solutions within a single account.

What is Trade Republic’s offering?

On the Trade Republic side, the offering remains faithful to its stock-market-oriented initial positioning, while gradually becoming more complete to offer a solution that now includes savings products and everyday banking services.

Here are the main elements to note about Trade Republic’s offering in 2026:

• Wide investment universe: access to about 7,500 shares (including nearly 500 French), 2,000 ETFs and more than 50 cryptocurrencies
• Diversification of products: also possible to invest in bonds and private equity
• PEA available: Trade Republic now offers a Plan d’Épargne en Actions (PEA), a key asset for French investors.
• Interest-bearing current account: cash not invested on the current account can generate a return; the rate is 2% but may evolve with the ECB rate.
• Trade Republic Card: card allowing daily payments, with direct integration into the investment ecosystem, with 1% cashback invested in the market
• Children’s savings plan: ability to set up dedicated savings, with reduced or reimbursed fees depending on conditions
• Fractional investing: ability to invest from €1
• Savings plan: programmable investments with customizable frequency
• Execution venue: orders executed via Lang & Schwarz Exchange for stocks and ETFs

Overall, Trade Republic offers a simple but now well-equipped offering, combining stock market investing, savings and banking services in a single app.

Trade Republic or Bitpanda: who has the better pricing?

When it comes to fees, comparing Bitpanda and Trade Republic is quite delicate, as both online brokers show similar tariffs on many points.

What are Bitpanda’s fees in 2026?

Overall, Bitpanda adopts a simple and readable pricing structure, with a large portion of fees directly embedded in the prices for cryptocurrencies, which makes it easier for beginner investors to understand but can sometimes mask the real cost in the spreads.

Stocks and ETFs:

• 1 € per order (buy or sell)
• No custody fees
• Free savings plans (no commission on programmed investments)

Cryptocurrencies :

• Fees included in the price, generally between 0% and 2.49%
• In practice, often around 0.99% depending on assets and market conditions

Precious metals :

• Gold: around 0.5% on purchase / 1% on sale
• Silver, platinum, palladium: up to around 2% to 2.5%
• No storage or custody fees

Bitpanda Card :

• No monthly fees or management fees
• Payments: automatic conversion of assets with the usual trading fees
• 1% cashback in cryptocurrencies on eligible payments
• Withdrawals: variable fees (around 2% or a minimum of €2 depending on case)

What are Trade Republic’s fees?

Trade Republic also offers an extremely simple and competitive pricing grid, with a very low fixed cost (1 €), but as is often the case with this model, part of the actual cost can be found in the execution spreads.

Stocks and ETFs:

• 1 € per order (buy or sell), regardless of the amount
• 0 € on programmed investment plans
• No custody or account maintenance fees
• Children’s savings plan, no fees

Cryptocurrencies:

• 1 € per order + spread

Bonds :

• 1 € per order (buy or sell), regardless of amount

Private equity:

• 1 € per order (buy/sell), regardless of amount

Card :

• Free card (no subscription)
• Free withdrawals above €100
• Saveback system (1%) reinvested automatically

Table comparing Trade Republic vs Bitpanda

Should you choose Trade Republic or Bitpanda for investing? Café de la Bourse’s view

Before you can decide between Bitpanda and Trade Republic, one thing must be acknowledged: both offers look a lot alike today. The same fee level (1 € per order), cashback around 1%, a very similar universe of stocks and ETFs, comparable accessibility, not to mention that these are two European players from German-speaking countries (Austria and Germany), created a year apart (2014 and 2015).

However, their trajectories intersect because Trade Republic started from the stock market and moved toward crypto, while Bitpanda did exactly the opposite. As a result, the end point is almost the same: two “super-apps” of investing accessible to the general public.

Marc’s Comment:

The differences between Bitpanda and Trade Republic reappear as soon as you look at each investment platform a bit more closely.

If you are drawn to the world of cryptocurrencies, Bitpanda keeps a clear lead. The offering is much richer (more than 650 cryptos), with advanced features and a logic where your assets can also be used daily, notably via the card and crypto cashback.

On the other hand, Trade Republic remains slightly more oriented toward traditional investing. With the PEA, bonds, private equity or the children’s savings plan, the platform leans toward a simple, progressive and structured savings approach. Its banking card, meanwhile, pushes another philosophy: saving automatically by spending.

In conclusion, if you are looking for a global investment platform with a real edge on crypto and the blockchain ecosystem, Bitpanda naturally asserts itself. If you prefer a more classic approach to investing, simple and oriented toward long-term stock market investing, Trade Republic will often be the more coherent choice.

*Capital at risk. See terms on the site.

All of our information is, by nature, generic. It does not take your personal situation into account and does not constitute personalized recommendations for making transactions and cannot be equated with investment advice, nor with any encouragement to buy or sell financial instruments. The reader is solely responsible for using the information provided, and no remedy against Café de la Bourse’s publishing company is possible. The publishing company’s liability cannot be engaged in case of error, omission or inappropriate investment.