Bitpanda vs Gate.Io: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Bitpanda and Gate.Io This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 16, 2025

Bitpanda

Gate.Io

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United States

Europe

Yes

Latin America

India

China

Canada

United Kingdom

Yes

United States

Europe

Yes

Latin America

India

China

Canada

United Kingdom

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Bitpanda is ideal if:

Beginner-friendly yet feature-rich — Bitpanda blends a clean, intuitive interface with advanced tools like savings plans, staking, and crypto indices, making it equally welcoming for new users and appealing to more experienced traders.
Strong regulatory and security foundations — Fully licensed across Europe and ISO-certified, with free fiat wallets and robust custody services, Bitpanda offers reliability and transparency that instill investor confidence.
Comprehensive investment offering under one roof — Beyond crypto, Bitpanda supports precious metals, fractional stocks/ETFs, and a Visa debit card, empowering diverse portfolio strategies in a unified platform.

Gate.Io is ideal if:

Perfect for advanced or algorithmic traders, offering powerful tools like trading bots, copy trading, extensive APIs, and access to derivatives across thousands of assets.
Great for altcoin hunters, thanks to one of the broadest selections in the market—over 3,800 cryptocurrencies and nearly 3,000 trading pairs.
Well-suited for passive earners, with diverse opportunities such as staking, crypto lending, auto-invest, and DeFi integration.

Bitpanda isn’t ideal if:

Limited geographic reach — Primarily available only within Europe and offering minimal accessibility or functionality outside the EU, making it unsuitable if you're located elsewhere or traveling frequently.
Derivative-based asset exposure — Traditional assets like stocks, ETFs, and commodities are offered via derivatives, meaning you don’t gain actual ownership of the underlying assets.
Support and fee transparency concerns — Some users report slow or frustrating customer support experiences, and trading costs are embedded within spreads rather than clearly displayed, limiting fee clarity.

Gate.Io isn’t ideal if:

If you prioritize heavy regulatory oversight, Gate.io may fall short as it operates with lighter regulatory frameworks and lacks oversight by major global authorities.
If you're new to crypto and value simplicity, the platform’s advanced interface and multitude of tools can feel overwhelming rather than beginner-friendly.
If you need mobile-first usability, the mobile app may underperform compared to the desktop version, impacting ease of use on the go.

Fees & Total Costs

Spot Maker/Take

Bitpanda’s standard platform uses built-in premiums rather than explicit maker/taker fees, but its former advanced exchange (Bitpanda Pro) allowed maker and taker fees starting at around 0.10% and 0.15%, decreasing as volume grows, and holders of the platform’s native token (BEST) receive a fee discount.

Gate.io employs a tiered VIP structure (from VIP0 to VIP16) that adjusts maker and taker spot fees based on your trading volume; you can also use the native GT token to reduce fees, and high-volume market makers may even enjoy negative maker fees via special rebate programs.

Futures/Derivatives

Bitpanda primarily offers derivatives exposure (e.g. tokenized stocks or commodities) rather than true crypto futures, so specific maker/taker tiers or funding-rate mechanics typical of perpetual futures platforms are not part of its offering.

Futures trading follows its own tiered fee system with options to reduce taker fees via points or VIP rates; funding rates (which fluctuate based on market conditions) apply to perpetuals and are recalculated periodically to balance long and short positions.

Average Spreads on Liquid Pairs

Bitpanda embeds a premium into the buying price—typically around 1.49%—which naturally expands the spread on liquid pairs like BTC/USDT or ETH/USDT compared to raw market prices.

While Gate.io doesn’t publish fixed spreads, its BTC/USDT and ETH/USDT markets benefit from deep liquidity and tight bid-ask spreads, ensuring competitive execution for high-volume traders.

Fiat Deposits & Withdrawals

Fiat is supported via multiple channels—such as SEPA bank transfers (free and takes one to three business days), instant options like card, SOFORT, Giropay, Neteller, or Skrill (available immediately or within a day), though availability and bank-side charges may apply.

Fiat transfers depend on location and may include bank wires, credit/debit cards via partners like Banxa or Simplex, and P2P, with varying processing times and gateway fees—not detailed here to maintain evergreen relevance.

On-chain Withdrawals

Crypto withdrawals are charged only the network (miner) fee for the respective blockchain (e.g. BTC, ETH, TRX), not a separate Bitpanda fee, meaning charges are dynamic and reflect current on-chain conditions.

Crypto withdrawal fees are dynamic and adjust to blockchain conditions such as congestion; for example, BTC withdrawal fee is dynamically priced and often lower than industry average, while certain networks like TRON adapt under energy-based models.

Hidden Costs

Bitpanda imposes no inactivity fees and offers transparent pricing, though converting between fiat currencies may incur exchange margins; expedited KYC or “express” identity checks may rely on third-party services that could introduce time or cost variations not directly detailed.

Additional expenses may crop up via fiat-to-crypto conversion spreads, optional fees for expedited KYC, or premium services—these vary by region and user actions but are part of your effective cost.

Real-World Cost Example: “€500 BTC

If you buy €500 worth of BTC, Bitpanda embeds a roughly 1.49% premium, reducing your crypto position value; combined with the network fee if you immediately withdraw, your total cost reflects the spread premium plus the dynamic withdrawal fee—without adding separate platform trading or inactivity charges.

You’d face a small spread on the spot pair, a spot taker fee (reducible via VIP or GT), possible conversion costs from EUR to USDT/BTC, and a dynamic blockchain fee when withdrawing—altogether, the total cost blends spread, trading fee, currency conversion, and network withdrawal cost.

Crypto Offering & Trading Features

Number of Coins & Pairs

Bitpanda’s platform boasts a broad universe of over 500 cryptocurrencies, making it one of the largest selections among European crypto brokers. While exact daily ranking data for the top 20 by volume isn’t public, it’s safe to infer that major tokens like BTC, ETH, ADA, SOL, and BNB lead the activity charts.

Gate.io supports a vast array of more than 3,600 to near 3,900 cryptocurrencies and over 2,500 to 3,800 trading pairs, covering everything from major coins to niche altcoins—its top 20 pairs by volume regularly include staples like BTC/USDT and ETH/USDT.

Product Range

Bitpanda supports spot trading, margin trading on select assets, crypto indices (akin to ETFs), flexible staking, and short-term leveraged “Leverage” trades—but doesn’t offer perps, options, copy-trading, grid bots, or automated DCA features.

The platform offers nearly every major trading and investment option, including spot, margin, perpetual futures, options, copy trading, grid bots, auto DCA, staking/earn programs, loan services, and even ETF-like passive products.

Liquidity

Bitpanda’s public 24-hour trading volume is modest compared to major global exchanges, translating to moderate liquidity and average order-book depth—adequate for standard trades but potentially limiting for very large orders on BTC/ETH.

Gate.io consistently ranks among the global top three for 24-hour spot trading volume, demonstrating deep market depth—liquidity in BTC/USDT and ETH/USDT is robust, ensuring tight order book spreads and ample execution for sizeable trades.

Tools

The platform offers basic order types such as limit and stop orders and price alerts, with clean but somewhat simplified charting, however it does not support full TradingView integration or publicly accessible API/WebSocket access for automated trading.

Traders on Gate.io benefit from advanced tools including limit, stop, and OCO orders, trading alerts, rich native charting, comprehensive APIs with WebSocket support, and integrated TradingView charts for sophisticated analysis.

Geographic Restrictions by Product

Due to regulatory and licensing boundaries, certain products—like leveraged trades and staking—may be restricted in select jurisdictions; availability can vary significantly from one country to another within Europe and beyond.

Certain sophisticated products like derivatives, futures, or margin trading may be restricted in specific regions due to regulatory constraints, meaning availability will vary depending on your jurisdiction.

Innovation

Bitpanda offers flexible staking—which allows you to stake and unstake assets at any time (with the exception of ETH, which has a short 48-hour unlock window)—but currently lacks launchpad or launchpool mechanisms for token launches or themed token farming opportunities.

Gate.io stays ahead in innovation with features like launchpad/token sales (IEOs), launchpool events, and flexible vs locked “earn” staking products—all part of its ecosystem-driven approach to expanding passive and active income streams.

Security, Regulation & Custody

Operating Entity & Jurisdiction

Bitpanda is operated by Bitpanda GmbH, founded in 2014 and headquartered in Vienna, Austria; since 2022, it has operated under the umbrella of its Swiss parent, Bitpanda Group AG.

Gate.io was founded in April 2013 by Dr. Lin Han and operates under the Gate Group umbrella from multiple jurisdictions, with its main legal base often linked to entities such as Gate Technology Ltd and other affiliates spread across regions.

Licenses/Registration

Bitpanda holds a range of regulatory approvals—including PSD2, MiFID II, and multiple MiCA licenses (from Germany’s BaFin, Malta’s MFSA, and Austria’s FMA)—positioning it as one of the most regulated crypto platforms in Europe.

Gate Group holds a Class 4 VFA license in Malta, registrations as a Virtual Asset Service Provider (VASP) in Lithuania and Italy, plus operational approvals in Hong Kong, the UAE (DMCC and VARA), the Bahamas, and others—ensuring compliance across key markets.

Custody

Client assets are held in fiduciary custody, segregated from Bitpanda’s own funds, with a mix of hot and highly secure cold wallets and externally audited custody practices—not commingled or speculative.

Gate.io uses its own custody infrastructure paired with third-party oversight, employs an open-source Merkle-Tree based Proof-of-Reserves system (upgraded with zk-SNARKs), audited by Hacken and standalone firms, offering transparency over asset backing far above 100 %.

Insurance & Protection Funds

Client holdings are backed by real assets, but there’s no blanket insurance policy for all crypto holdings—coverage applies under specific circumstances and documentation requirements, not universally automatic.

Gate.io maintains the Gate SAFU fund—a reserve pool designed to serve as an emergency protection mechanism for user assets—offering a supplementary safety layer in case of extreme incidents.

Incident History

Bitpanda has not had any major security breaches to date; it has publicly dismissed claims of a large-scale data leak and emphasizes its robust custody design to minimize vulnerability.

While Gate.io has avoided major publicized hacks, it made headlines in 2022 for helping return a mis-sent $416 million in ETH from another exchange—demonstrating a transparent response capability and operational integrity.

Risk Controls

The platform offers standard security features such as two-factor authentication and anti-phishing protections, though more advanced controls like whitelist addresses or granular API permissions aren’t highlighted.

The platform includes robust security features such as mandatory two-factor authentication (2FA), anti-phishing safeguards, whitelisting of withdrawal addresses, tiered sub-accounts, and finely-granular API permissions for tailored access control.

Transparency

Bitpanda promotes transparency through regular audits and regulatory adherence, but it doesn’t publish public wallets, monthly proof-of-reserves reports, or service-level agreements for users.

Gate.io stands out for its high transparency—publishing monthly PoR reserve ratios (e.g., total reserves > $10 billion with ~128 % backing), providing public wallet addresses, and committing to service-level expectations through audit-backed disclosures.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

Bitpanda supports a variety of fiat deposit options—including bank transfers, credit/debit cards, and e-wallets—depending on your currency. Minimum amounts start around €10, while daily and monthly ceilings vary by your verification level and chosen method; transfer times range from instant (cards/e-wallets) to a few business days (bank transfers).

Gate.io supports fiat deposits via bank transfers, credit/debit cards, and third-party providers like Simplex, Banxa, and Mercuryo, though availability, limits, and processing times depend on your region.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

Bitpanda enforces mandatory KYC for all users in compliance with EU regulations, without tiered “basic” or “advanced” levels; only verified accounts can access services, with deposit and withdrawal limits defined by your status and payment method.

Gate.io requires KYC, using a tiered risk-based approach (from basic identity to advanced address verification) that determines your access and daily withdrawal limits—higher levels offer greater flexibility and limits.

Withdrawals

Cryptocurrency withdrawals are supported across multiple networks (e.g., ERC-20, TRC-20), with limits and processing tied to your verification and chosen method; fiat withdrawals may require confirmation periods before becoming available for use or payout.

Withdrawal limits rise substantially with verification level (e.g., from USD 100k equivalent up to millions per day), and available networks such as TRC20, ERC20, BEP20 depend on the asset—processing times and fees vary.

Customer Support

Bitpanda offers around-the-clock customer support via a ticket-based system (no live chat or phone), typically with timely email responses; additionally, a detailed help center provides self-service articles for common queries.

Gate.io provides 24/7 support through live chat and email, boasting fast response times, along with a comprehensive help center full of guides and FAQs.

Languages & Localization

The platform supports multiple languages—including native Spanish—and displays fees in relevant fiat (e.g., Euros); it also complies with local regulations across supported European regions to ensure legal alignment.

The platform is highly globalized, offering full support in over a dozen languages, and displays pricing and interface elements in common currencies like USD and EUR, accommodating diverse user bases.

App Quality & Stability

Bitpanda’s app is known for its smooth, stable performance and frequent updates across iOS and Android; while specific crash metrics aren’t public, user feedback signals a generally reliable and well-maintained mobile experience.

The Gate.io mobile app offers full trading functionality and real-time data, though user feedback notes occasional sluggishness or UI lag—especially under heavy load or rapid market moves.

Experience, Performance & Ecosystem

UX/UI

Bitpanda presents a clean, intuitive interface designed for beginners on its standard platform, while Bitpanda Pro offers a more advanced trading UI tailored to seasoned users—both share familiar navigation patterns but differ in complexity to match user experience levels.

Gate.io offers both “Lite” and “Pro” trading modes—Lite is streamlined and user-friendly for beginners, while Pro packs charts, order types, and data panels for experienced traders, giving users an adjustable interface that aligns with their skill level.

Performance

Thanks to its Fusion aggregation layer, Bitpanda delivers enhanced pricing and generally low latency even during volatility spikes, though KYC processing may slow slightly when demand surges in bull markets.

Order execution is generally swift, though during extreme market swings there can be minor delays or slowed UI responsiveness; KYC review waits can also stretch in bull phases when new registrations surge, causing temporary bottlenecks.

Education

Bitpanda provides a comprehensive Academy with multilingual educational materials—including Spanish—covering crypto basics, markets, and investing strategies, though it doesn’t currently feature a trading simulator or demo environment.

Gate’s learning platform features interactive tutorials, live articles, and a practicing simulator for options—though most materials are in English, they’ve recently added some Spanish-language content and step-by-step guides to ease onboarding.

Community

Bitpanda maintains active user engagement through an official blog, a referral rewards program, and presence on social platforms, but doesn’t host its own public forum, Discord server, or Telegram group.

Gate.io supports an active user ecosystem with a Community Center, official blog updates, and social channels (including Discord/Telegram), plus a rewarding referral program that encourages peer sharing and learning.

Integrations

While Bitpanda lacks native TradingView or third-party bot integration, it provides a Technology Solutions API for institutional use and supports built-in tax reporting tools for users.

Gate integrates natively with TradingView for advanced charting, supports external trading bots, and connects to tax/reporting tools like Blockpit—helping users with strategy automation and financial recordkeeping.

Who Each One Is Best For

Bitpanda’s intuitive design and educational support make it an excellent starting point for crypto newcomers, whereas Bitpanda Pro—with its richer tools and integrations—is ideal for professional traders seeking performance and advanced control.

Gate.io is a strong fit for tech-savvy traders who value depth, flexibility, and ecosystem integration; it’s well-suited to those looking to level up from simple platforms but may feel dense for casual or beginner users who prefer straightforward, minimal interfaces.