Bitpanda vs P2B: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Bitpanda and P2B 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

P2B

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Europe

Yes

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China

Canada

United Kingdom

Yes

United States

Yes

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.

P2B is ideal if:

Offers a high-performance launchpad engine that’s launched over 2,000 crypto projects without token-holding requirements—perfect if you’re a founder or eager early-stage investor.
Built for both beginners and businesses, it blends approachable trading with go-to-market support—ideal if you want a trading platform with strategic listing expertise.
Packs robust multilingual support, fast interface, and loyalty tiers—suiting you if you appreciate accessible, efficient trading plus escalating benefits for active users.

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.

P2B isn’t ideal if:

Limited regulatory clarity, which may cause uncertainty and higher perceived legal risk if you prefer fully regulated platforms.
Basic trading tools only, lacking advanced features like margin trading or sophisticated order types—less suited for power users or active traders.
Occasional withdrawal delays or support gaps, meaning if fast access to funds and responsive customer service are vital to you, P2B may fall short.

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.

P2B uses a tiered structure based on 30-day trading volume, starting at 0.2 % for both maker and taker, decreasing gradually to as low as 0.01 % maker and 0.1 % taker at the highest volume tiers.

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.

P2B does not currently offer futures or derivatives trading on its platform.

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.

Typical spread data isn’t publicly listed, but high liquidity in top pairs like BTC/USDT and ETH/USDT suggests spreads are likely competitive and in line with other major spot exchanges.

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.

Users can deposit fiat via wire transfer or credit card; withdrawals are available for fiat but come with percentage-based fees (e.g., 1 % for USD, 5 % for EUR) and processing time varies by method and currency.

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 withdrawals such as BTC are charged a fixed network-based fee (for example, around 0.0005 BTC), with similar fixed fees applied across supported blockchains like Ethereum and Tron.

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.

Users may encounter extra charges—including currency conversion fees, inactivity penalties, or expedited KYC service fees—though specifics are not always disclosed, and should be factored into overall costs.

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.

If you purchased €500 worth of BTC, you’d pay the trading fee (~0.2 %) plus any embedded spread, and then send funds on-chain—incurring the fixed BTC withdrawal fee—resulting in a slightly lower net amount of BTC received than the nominal purchase suggests.

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.

P2B currently supports around 118 to 120 cryptocurrencies and approximately 185 trading pairs, with its top 20 pairs including highly liquid ones such as ETH/USDT, BTC/USDT, BTC/USD, LTC/USDT, BNB/USDT, SOL/USDT, ADA/USDT, AVAX/USDT, and XRP/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 spot trading, access to launchpad/IEO/IDO participation, staking/earning opportunities, API-based trading, but does not offer margin, futures or derivatives like perpetuals, options, ETFs, lending, copy trading, grid bots, or automated DCA.

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.

P2B delivers notable liquidity, with 24-hour volumes exceeding one billion USD; ETH/USDT alone often sees hundreds of millions in daily volume, while BTC/USDT also ranks among the most traded, indicating solid order book depth.

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.

P2B’s trading interface includes limit and market orders (stop, OCO not clearly offered), customizable charts with drawing tools, real-time API access, but lacks native TradingView integration and order alerts as detailed features.

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.

Some advanced offerings like derivatives are simply not available globally—P2B lacks complex products, and certain country-specific access (e.g., full product access in the U.S.) may be limited by regulation and platform policy.

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.

P2B distinguishes itself with a launchpad (IEO/IDO) that has grown over 2,000 projects and raised significant funds, supports multiple blockchains (24 integrated) and offers both flexible and structured earn/staking opportunities for users and projects.

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.

P2B is operated by a Lithuania-based company (often referenced as Partida Services), established around 2018, with links also to Ukraine and Spain, while ambiguously listing the UK as a “competent jurisdiction” despite lacking clear legal basis there.

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.

P2B is not officially licensed under top-tier global regulators or registered as a Virtual Asset Service Provider (VASP) under EU MiCA or equivalent frameworks, making its regulatory standing opaque and reinforcing its classification among less-regulated platforms.

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.

There is no public evidence that P2B uses third-party custody services, publishes standard Proof of Reserves (PoR), or discloses the percentage of assets in cold storage—indicating limited transparency in how user assets are safeguarded.

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.

P2B does not advertise any insurance coverage or protective funds for user assets, such as those that might cover losses from hacks or insolvency, which implies users bear most of the custodial risk themselves.

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.

There are no recorded instances of major hacks or service suspensions publicly documented, but the platform’s downgraded compliance rating and warnings from regulators like the Canadian BCSC raise concerns about its operational risk profile.

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.

P2B generally supports basic safety features including two-factor authentication (2FA) and KYC processes, though more advanced security tools like API key whitelisting, sub-account structure, anti-phishing protection, or fine-grained API permissions are either limited or not clearly detailed.

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.

The exchange lacks routine public reporting such as monthly transparency reports, does not offer a publicly verifiable wallet address list, and does not present any formal service-level agreements (SLA), making its transparency practices minimal.

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).

Users can fund their account via credit/debit cards (e.g., Visa/Mastercard via Simplex), third-party e-wallets like ADVcash or Perfect Money, and bank wire transfers; deposit minimums vary by provider while processing ranges from near-instant (cards) to a few days (wires).

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.

KYC is optional; unverified users face a daily withdrawal cap (~$1,000–$2,000), while completing full identity verification—providing documents, selfie, address—removes these limits and unlocks full account functionality.

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 time depends on the asset and wallet (up to 24 hours or 36 hours for cold storage); users choose networks (e.g., ERC20, TRC20, BEP20) when available, with limits and speeds tied to asset and verification level.

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.

Support is offered 24/7 via live chat, email, Telegram, and a comprehensive knowledge base, with response times generally fast; resource materials and FAQs help resolve most routine inquiries quickly.

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 interface is available in several languages (including English, Spanish, Korean, Russian, Turkish, Thai), displays fees and balances in EUR or USD, but doesn’t tailor regulatory details per region beyond the general operating framework.

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 web interface is modern and robust with advanced charting and API stability, but mobile apps are inconsistently available—Android is claimed but hard to find, and iOS may be missing—possibly affecting mobile reliability.

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.

The interface is crafted to balance simplicity with functionality—while there’s no explicit “Lite/Pro” toggle, the trading dashboard presents a clean design with candlestick charts, multiple technical indicators, and customizable layout elements, allowing both newcomers and more experienced users to tailor their view.

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.

Thanks to its high-speed matching engine capable of handling up to 10,000 transactions per second, P2B maintains notably fast order executions even during high-volatility periods; user reports indicate the platform remains stable with minimal latency spikes, though KYC delays can occur during sharp bull runs.

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.

The platform lacks a formal academy or demo simulator, but it does offer educational value through blog content, project launch tutorials, and insights in Spanish and other languages—though no structured demo or Spanish-language academy currently exists.

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.

P2B supports community engagement via official Telegram and live support messaging, has a referral program and periodic airdrop or trading competition incentives, but lacks a formal forum or Discord-based discussion hub for broader peer interaction.

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.

The exchange offers its own graphical trading tools and APIs, yet it doesn’t provide direct integration with TradingView or external trading bots, nor specialized tax or accounting tool integrations at this time.

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.

P2B suits traders who value a fast, intuitive trading experience with easy token launch participation—especially project creators or early investors—while those seeking advanced educational tools, trading automation, or social trading features may find it less fitting.