Provider at a glance
- Category
- Crypto Offramps
- Entity
- All 3 Bitpanda products
- Official website
- bitpanda.com
Independent rankingchecked How it works
Details
Scored 44 out of 100 under methodology 2026.10.18, from the evidence read in October 2026.
Bitpanda
Cash-out through Bitpanda
Crypto Offramps
#7 Overall
Ranked #7 of 7 crypto offramps in the published ranking
44
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
- $119 your cost/yr
Is Bitpanda right for you?
Look elsewhere if these come first
- All-in cost of a representative sale7/10 here; the category best is 9
- Spread disclosure and quote binding6/10 here; Banxa scores 7
- Payout rails speed and coverage5/10 here; Banxa scores 6
- Verified licences and regulated footprint7/10 here; MoonPay scores 9
Not yet tested for your country. Markets it lists: Europe.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best offramp shows where it lands for you.
What will Bitpanda cost you?
$119 your cost/yr
- Your monthly volume
- $1k
- Sale spread
- 0.99%
Level with the median of 4 priced crypto offramps.
How this is calculatedHow safe is Bitpanda?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read October 2026.
- LicenceMiCA (EU): authorised by FMA (Austria) and BaFin (Germany) and MFSA (Malta) since 24 January 2025. Passported: All 27 EU member states + EEA. The register record
- On the registersMiCA: authorised, Bitpanda GmbH (AT, since 2025-04-09). Read 3 November 2026. Open the registerMiCA: authorised, Bitpanda Asset Management GmbH (DE, since 2025-01-24). Read 3 November 2026. RegisterMiCA: authorised, BP23 CA LTD. (MT, since 2025-01-27). Read 3 November 2026. Register
Alternatives to Bitpanda
Compare all 4- 4Transak14 points above · weaker on all in sell cost (4 against 7)58
- 5Banxa9 points above · stronger on price transparency (7 against 6)53$240
- 6MoonPay9 points above · stronger on licence depth (9 against 7)53
For your setup
Find out if Bitpanda fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Bitpanda lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best offrampNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Bitpanda ranks #7
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (20.3 here) sit inside the score; availability, friction, trust record and measured data add the rest.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
407+8.964.09#3/7Loading evidence…
256+4.806.08#3/7Loading evidence…
205+3.206.09#6/7Loading evidence…
157+3.367.09#4/7Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−9behind MoonPay, #6
RobustnessHoldsacross a one-point change to each of its 4 criterion scores, the re-run scores 41–46 and stays #7
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
The ranking was run again with each of Bitpanda’s criterion scores changed on its own, as far as each ladder goes in both directions. None of those changes moves its rank.
Strengths
0 from the score dataWhere it leads
No scored criterion is at or within one point of the category best, so no strength can be stated from the data.
Tradeoffs
4 from the score dataWhere it trails
Not for readers who put first
- All-in cost of a representative sale — 7/10 against a category best of 9/10
- Spread disclosure and quote binding — 6/10 against a category best of 8/10
- Payout rails speed and coverage — 5/10 against a category best of 9/10
- Verified licences and regulated footprint — 7/10 against a category best of 9/10
Record watch-outs
- The fee you can read is not the whole price: Bitpanda's fee is "calculated based on a firm quote as provided by Bitpanda", and nothing in the cost-transparency document discloses the margin inside that quote. The document also silently omits all fiat withdrawal fees.
- UNSUPPORTED BY THE CITED SOURCE, and internally contradictory. Read again 14 September 2026: the helpdesk articles Withdraw cash, Payment methods and limits, and Withdrawal limits were rendered and none states a SEPA withdrawal fee, so the 'free SEPA' claim was dropped from the tagline.
Competitive position
Where Bitpanda leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#7 / 76.0 of 20 · best 14.0
Published criteria#3 / 715.2 of 30 · best 20.5
Friction#1 / 72.7 of 10 · constant here
Trust record#1 / 73.2 of 8 · constant here
Measured data#6 / 78.3 of 18 · best 9.7
Where Bitpanda leads
- All-in cost of a representative sale#3 / 7
- Spread disclosure and quote binding#3 / 7
Where it trails
- Payout rails speed and coverage#6 / 7
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
MoonPay#6 of 7 · score 53 · 9.0 points ahead
Bitpanda leads on
- All-in cost of a representative sale7 vs 3
- Spread disclosure and quote binding6 vs 3
MoonPay leads on
- Payout rails speed and coverage6 vs 5
- Verified licences and regulated footprint9 vs 7
Largest single reason MoonPay is ahead: availability (+20.8 display points).Scenario cost: MoonPay has no verified pricing for this scenario.
Banxa#5 of 7 · score 53 · 9.0 points ahead
Bitpanda leads on
- All-in cost of a representative sale7 vs 2
Banxa leads on
- Spread disclosure and quote binding7 vs 6
- Payout rails speed and coverage6 vs 5
Largest single reason Banxa is ahead: availability (+15.6 display points).Scenario cost: Banxa is +$121 against Bitpanda.
Transak#4 of 7 · score 58 · 14.0 points ahead
Bitpanda leads on
- All-in cost of a representative sale7 vs 4
- Payout rails speed and coverage5 vs 4
- Verified licences and regulated footprint7 vs 5
Transak leads onNo scored criterion
Largest single reason Transak is ahead: availability (+20.8 display points).Scenario cost: Transak has no verified pricing for this scenario.
Against the leader
82 vs 44 · gap 38.0Why Kraken ranks above Bitpanda
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 38.0 to within rounding.
DimensionThisKrakenGap share
Availability · 23% weight6.014.0−20.8, worse
Published criteria · 35% weight15.220.5−13.8, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight8.39.7−3.6, worse
Published criterionThisKrakenPoints
All-in cost of a representative sale · w4079−2.56, worse
Spread disclosure and quote binding · w2568−1.60, worse
Payout rails speed and coverage · w2058−1.92, worse
Verified licences and regulated footprint · w1579−0.96, worse
Net4482−38.0
Your scenario
What Bitpanda costs on your scenario
Sale spread on your volume for a year. Excludes network gas and any withdrawal fee. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
$1k a month × 12 months × 0.99% sale spread = $119 / year
Your monthly volume · your input$1k
Sale spread · published rate0.99%
Rate read from the provider’s published pricing ↗ on 22 October 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
$119
Under the default inputs · USDCategory median$1194 of 7 rows priced · Bitpanda at the median
Cheapest priced$96 · KrakenBitpanda costs +$23 more · availability not applied — set your country to filterCompare with Kraken
3 of 7 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 22 October 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessHoldsrank #7 across every one-point re-run
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 22 October 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
All-in cost of a representative salestrength 7 · weight 40Report an error—22 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Spread disclosure and quote bindingstrength 6 · weight 25Report an error—22 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Payout rails speed and coveragestrength 5 · weight 20Report an error—22 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Verified licences and regulated footprintstrength 7 · weight 15Report an error—22 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Regulatory failure (Bitpanda 7/10): no licence where you are, or a forced market exit.Scored by Verified licences and regulated footprint · 15%
- Execution failure: you get a worse price, later, or nothing.Scored by Spread disclosure and quote binding · 25% (Bitpanda 6/10)Scored by Payout rails speed and coverage · 20% (Bitpanda 5/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: All-in cost of a representative sale (40%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- Bitpanda cost-transparency document for crypto-assets, "Version 4.0.0, dated 08 July 2026" (PDF downloaded and text-extracted 22 October 2026, unchanged), section 2.1 Broker: "The trading fee is a fixed, percentage-based service charge applied at the coin level for market access and trade execution. The following fees are calculated based on a firm quote as provided by Bitpanda." Tier 1 Stablecoins "0.99%" ("EURCV 0%"); Tier 2 Bitcoin, VSN "0.99%"; Tier 3 Other Crypto Assets "1.49%"; Tier 4 (market capitalisation below EUR 100,000,000 and Bitpanda Spotlight-Assets) "2.49%". Bitpanda Fusion "Level 1 0 ≤ Amount ≤ 100,000 0.25%". The document contains no fiat withdrawal or SEPA fee and no spread figure. Bitpanda's fees article (updated 22 September 2026, read 22 October 2026): "The premiums for buying and selling Bitcoin on Bitpanda are 0.99%"; the trade summary shows "the exact fee applied to each trade, which ranges from 0.00% to 2.49%".Bitpanda — official pricing page ↗ · 22 October 2026
- Prices published in
- USDBitpanda — official pricing page ↗ · 22 October 2026
- Licences held
- Not published
- Compliance level
- partial
- Regulatory note
- Bitpanda GmbH — Austrian FMA, MiCA Crypto-Asset Service Provider authorisation; recorded on the AMF (France) DASP/CASP white list, notified 14 April 2025, passported into France under freedom of services for seven crypto-asset services including exchange of crypto-assets for funds. No registration number is published against the passport entry (marked "N/A - Passport").
- Supported chains
- Not published
- Markets served
- europe
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- Bitpanda help article "Countries supported for verification" (updated 6 August 2026, read 22 October 2026): "Bitpanda is available in over 40 countries across Europe and beyond." Supported countries: Åland Islands, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic (CZ), Denmark, Estonia, Faroe Islands, Finland, France, Germany, Greece, Guernsey, Holy See (Vatican City State), Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Réunion, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Svalbard and Jan Mayen (SJ), Sweden, Switzerland, Turkey (TR), the Turkish Republic of Northern Cyprus and the United Kingdom; "UK residents can once again register with Bitpanda through our entity, Bitpanda Broker UK Ltd". "Due to regulatory reasons, verification is only possible in certain countries." Withdraw cash article (read 22 October 2026): "Withdrawals from participating banks within the EU usually only take seconds to minutes. Withdrawals to other banks and countries may take up to 3 business days."
Legal entity on file: Bitpanda, placed in 3 products. Only confirmed entities are shown; nothing is inferred from the brand name.
If something goes wrong with Bitpanda: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
11 methodology entries
- 22 October 2026Current verified snapshot · methodology 2026.10.18Score 44, #7 of 7. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.7Forty-one more products are offered only where their own quoted terms serve- fixed 141 country exclusions on 31 rows, each the name of a country the row's own quoted terms exclude: for example Mercuryo Hungary, China, Pakistan, Bangladesh, Chile, Colombia and Morocco; Gemini Custody the United Kingdom, Australia and the EU after its wind-down; Backed xStocks the US, Canada, the UK, Australia, Nigeria, the Philippines and Venezuela.
- changed Thirteen rows list the only countries their terms serve: Coins.ph the Philippines, Spritz bill pay, Brex, Unchained, WisdomTree, Franklin BENJI and AnchorWatch the United States (with its territories for AnchorWatch), PRYPCO Mint the UAE, N26 crypto seven EU countries, Gemini Tokenized Stocks the EU, XNET the US, Canada and the UK, Coldbit Steel and MetaMask Card the countries they list.
- changed Published (no-country) orders do not move. Country results change: in India six categories each lose one row (bill pay, cards, off-ramps, P2P, seed backup, tokenised real estate), and bill pay there has no row confirmed available, so it shows the published order marked as such; country pages list 23 fewer rows (24,357 to 24,334). The grounding test now matches full country names in any case, which shows seven earlier exclusions were quoted all along: the named debt of unquoted exclusions falls from 40 to 33 pairs.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
Methodology 2026.10.18, the same published run every visitor sees · receipt offramps:bitpanda_offramp:2026.10.18:e7aeff96beb3
Are you Bitpanda? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.