OANDA vs Pointpay: Fees, Security, Features & Which to Choose (2025)

Trying to choose between OANDA and Pointpay 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 27, 2025

OANDA

Pointpay

⚠️ We look for what’s best for you.

₿ Getting into crypto? With eToro you can start in minutes: buy/sell top coins, set recurring buys, track markets, and use Social/CopyTrader features.

👉 Start here and explore the crypto offer.

Available Countries

United States

Yes

Europe

Yes

Latin America

Yes

India

Yes

China

Yes

Canada

Yes

United Kingdom

Yes

United States

Yes

Europe

Yes

Latin America

Yes

India

China

Canada

Yes

United Kingdom

Thinking about starting with crypto? This is for you.

In select regions, eToro offers a $10 welcome bonus when you open an account today.*

🎯 An account built to help you start with crypto—without the hassle.

➕ Buy and sell top cryptocurrencies in minutes

➕ Recurring buys, price alerts, and advanced charts

➕ Social/CopyTrader™ to follow experienced investors

➕ One of the largest and most trusted platforms worldwide

Limited-time promotion — still available.

*Offer subject to terms, eligibility and regional availability. Don’t invest unless you’re prepared to lose all the money you invest.

OANDA is ideal if:

Highly trusted, globally regulated – OANDA holds licenses from top-tier authorities (like CFTC, FCA, ASIC), giving you peace of mind in reliability and oversight.
Robust multi-platform flexibility – Access powerful and customizable trading environments across web, mobile, MT4, MT5, and TradingView.
Exceptional educational resources – Comprehensive learning tools, webinars, and research make OANDA especially supportive for continuous trader development.

Pointpay is ideal if:

All-in-one crypto platform Seamlessly combines exchange, wallet, payment, and banking tools in one accessible ecosystem—not just trading.
Tailored for all experience levels Offers Classic and Advanced interfaces for seasoned users, plus Quick Exchange for newcomers for fast, intuitive trades.
Engaging community ecosystem Includes staking, Vault savings, educational Learn & Earn, a Launchpad, and competitions—great for active and curious users.

OANDA isn’t ideal if:

Limited asset variety outside forex: If you're focused on trading individual stocks or ETFs, OANDA doesn’t support direct equity access in most regions, making it less suitable for equity-centric investors.
No guaranteed stops in some regions: Traders in the U.S. or U.K. won’t benefit from guaranteed stop-loss orders, which may be a concern if strict risk control matters to you.
Platform differences by location: Access to MT4, MT5, or advanced APIs varies by jurisdiction, so if you rely on specific tools or automation, check tool availability based on your region before choosing OANDA.

Pointpay isn’t ideal if:

Limited advanced trading Some users find it lacks powerful tools like leveraged futures or deep charting options for professional-grade strategies.
Occasional tech hiccups Reports of login issues, app performance quirks, and delayed customer responses suggest potential reliability concerns in mobile use.
Uncertain regulatory clarity Conflicting information surrounds its licensing and regulatory compliance, leading to varied user trust and coverage depending on region.

Fees & Total Costs

Spot Maker/Take

OANDA charges a flat crypto trading commission of around 0.25% per transaction, based on your 30-day trading volume tier; there’s no native token to offer discounts nor separate maker/taker pricing structure.

PointPay charges a flat maker-taker rate around 0.05%, offering up to 35% fee discounts for users holding increasing amounts of PXP tokens, with no tiered volume brackets beyond the PXP-based loyalty levels.

Futures/Derivatives

OANDA does not support crypto futures or derivatives; derivative trading (like CFDs or futures) is offered on other asset classes (e.g., forex, indices), but crypto is limited to spot trading with no funding or Rollover/Funding cost structure.

PointPay currently does not offer any futures or derivative trading, so there are no maker/taker or funding fees applicable.

Average Spreads on Liquid Pairs

Exact spreads for crypto aren’t published as benchmarks like forex pairs; instead, costs are embedded into the price you see when you buy or sell, offering transparent execution without separate spread disclosures.

While precise spread data isn’t published, the exchange is noted for offering competitive pricing that closely aligns with market prices on popular pairs like BTC/USDT and ETH/USDT.

Fiat Deposits & Withdrawals

You can fund or withdraw via bank transfer, credit/debit card, or instant bank (depending on region) with no fees charged by OANDA—though your own bank or payment provider may levy conversion or processing costs, and processing times vary from instant to a few business days.

Fiat deposits are facilitated via Mercuryo or MoonPay, and withdrawals are supported as well; deposits may include a small markup or cashback promotions but are generally straightforward, with processing times depending on the provider—often several hours to a couple of days.

On-chain Withdrawals

Crypto withdrawals via OANDA (partnering with Paxos/itBit) include a network fee that varies by blockchain (e.g., BTC, ETH, TRX), and while OANDA may not charge an internal fee, the dynamic network cost is passed on as part of the withdrawal.

Withdrawals incur network (miner) fees, varying by cryptocurrency and network conditions (e.g., BTC, ETH, TRX), rather than fixed platform fees, although PXP holders may enjoy reduced rates.

Hidden Costs

While there are no surprise management or sign-up fees, you should note potential costs like currency conversion charges (if funding currency differs), monthly inactivity fees after a long dormancy period, or expedited KYC processing (if applicable)—though none are exorbitant.

currency conversion, inactivity, expedited KYC, etc.

Real-World Cost Example: “€500 BTC

If you bought €500 worth of Bitcoin, the cost would include the 0.25% commission (approx. €1.25), the embedded execution spread in the quoted price, and a separate network fee for withdrawal—making the total cost a mix of commission, implicit price margin, and blockchain fee.

If you buy €500 worth of BTC, your total cost would derive from the spread between buy/sell prices, a trading fee (e.g., ~0.05% discounted if holding PXP), and a subsequent withdrawal fee based on chain congestion and asset network—without quoting specific numbers to keep it evergreen.

Crypto Offering & Trading Features

Number of Coins & Pairs

OANDA offers a small, curated selection of around 9–10 spot cryptocurrencies—such as Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Aave, Chainlink, Uniswap, PAX Gold, and Solana—without a full rank-by-volume list, but includes the most popular coins by market activity.

PointPay supports well over 140–200 cryptocurrencies with around 179–224 trading pairs available; top-20 volume pairs include BTC/USDT, ETH/USDT, XRP/USDC, SOL/USDT, USDC/USDT and others such as DOGE, ADA, LINK, AVAX, BNB.

Product Range

OANDA supports only spot crypto trading via Paxos (no margin, perpetuals, options, crypto ETFs, staking, loans, copy trading, bots, or automatic DCA features are available).

At present, PointPay offers spot trading, staking (Vaults and flexible/locked terms), NFT and Launchpad features, savings/earn programs, and a multi-currency wallet; however, there’s no margin, perpetuals, options, ETFs, loans, copy-trading, grid bots, or automated DCA at this stage.

Liquidity

While exact figures aren’t public, liquidity is robust and consistently tight due to execution via the regulated Paxos itBit exchange, particularly on BTC and ETH pairs—ensuring reliable execution and minimal slippage.

Estimated 24-hour trading volume ranges from around $138 million to over $206 million; order-book depth appears substantial for primary pairs like BTC/USDT and ETH/USDT, supporting solid liquidity for mainstream trading.

Tools

The platform offers basic and advanced tools—including “Quick Buy/Sell” (a market-style limit order) and limit orders, stop orders, live alerts, in-app charting, full TradingView integration, and API/WebSocket access for automated strategies.

PointPay supports limit, market, stop-limit, and OCO orders; it includes advanced TradingView charts with multiple indicators and timeframes, has alert features, and provides API and WebSocket support for algorithmic access.

Geographic Restrictions by Product

Crypto services are limited in some jurisdictions—spot crypto is accessible only through the mobile and TradingView platforms, and availability may vary; likewise, services like CFDs or derivatives on crypto are not offered in several regions.

Derivatives and leverage aren’t available yet, and certain products are restricted in regions like the U.S. and other sanctioned countries, meaning advanced trading tools may not be accessible depending on your location.

Innovation

OANDA does not offer crypto launchpads/pools or flexible versus locked “earn” products; the focus remains firmly on straightforward spot trading, without DeFi-style or automated yield innovations.

The platform provides Launchpad projects, a multi-asset Vault with flexible and locked staking (3, 6, and 12 month terms), and regular staking promotions, all aimed at enhancing user participation and passive income opportunities.

Security, Regulation & Custody

Operating Entity & Jurisdiction

OANDA Crypto is operated by OANDA Coinpass Limited, a UK-registered company (Company No. 11164834) based in London, while the broader OANDA Group was founded in 1996 and is headquartered in New York. It operates through regulated entities across multiple regions.

PointPay is operated by a Lithuania-based company founded in 2018, with its headquarters in Tallinn, Estonia, situating it within the European regulatory environment and offering it EU operational grounding.

Licenses/Registration

In the UK, OANDA Coinpass is registered with the FCA as both a Crypto-asset Exchange Provider and Custodian Wallet Provider, and other OANDA entities are regulated in major jurisdictions including the US (CFTC/NFA), EU (FCA/KNF), Canada (CIRO), Singapore (MAS), Australia (ASIC), Japan (FSA), and the BVI (FSC).

The platform currently holds a Lithuanian VASP license and is registered in the U.S. as a Money Services Business (Wyoming MSB), while actively pursuing additional licensing in the U.S. and enhanced compliance under recent European crypto frameworks.

Custody

Crypto holdings are entrusted to the third-party custodian Paxos (via Paxos Trust Company), not held by OANDA itself; while formal proof-of-reserves or audit summaries aren’t publicly shared, assets are maintained separately in user-named Paxos accounts.

PointPay uses both hot and cold wallets, including air-gapped cold storage, with user-controlled wallet options, although there is no publicized Proof of Reserves or explicit cold-storage percentage disclosure.

Insurance & Protection Funds

No dedicated crypto insurance, fund protection, or compensatory schemes (like FSCS or SIPC) are in place; crypto assets are not covered by traditional financial protections in the event of platform or custodian insolvency.

There is no publicly available information suggesting that PointPay offers dedicated insurance coverage or protection funds for users’ assets.

Incident History

There appears to be no record of past hacks, major outages, wallet freezes, or official fines affecting OANDA’s crypto services—indicating a clean operational track record thus far.

There have been no major reported hacks, systemic suspensions, or regulatory penalties associated with the platform to date, suggesting a clean operational track record.

Risk Controls

Robust security measures are offered including mandatory (or strongly encouraged) two-factor authentication, internal security monitoring, a dedicated bug bounty via ethical disclosures, and Paxos-level safeguards such as withdrawal whitelisting and secure custody.

The platform enforces standard security layers including multi-factor authentication, encrypted transaction passwords, and tiered KYC levels; however, features like API-specific permissions, sub-accounts, whitelists, or anti-phishing tools are not prominently highlighted.

Transparency

OANDA provides detailed legal and risk documentation via its Crypto Legal pages, but public disclosures such as monthly audits, wallet addresses, or service-level SLA guarantees are not made openly accessible.

While PointPay commits to regulatory alignment and security, it does not currently publish regular audit reports, Proof of Reserves documents, public wallet addresses, or formalized SLAs for uptime or response times.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

Deposits are made via debit/credit card, wire transfer, ACH, BPay (Australia), or online banking—card deposits are almost instant (with monthly caps), while bank methods take 1–5 business days; no explicit minimums stated, and e-wallets are generally not supported for crypto accounts.

PointPay allows fiat deposits via intermediary services like Mercuryo and MoonPay, and possibly bank transfers, with straightforward minimums (e.g., around €25), though maximums vary by provider; processing times range from instant to a few hours or up to a couple of days depending on the channel.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

Levels & Limits

PointPay’s KYC process is accessible through both app and website in five simple steps, typically completed within 24 hours; higher levels unlock full functionality such as trading, deposits, and withdrawals, while no-KYC users face limited access.

Withdrawals

Fiat withdrawals can be made with no set caps (GBP/EUR to originating bank) though large sums undergo extra review; crypto withdrawals require 2FA and whitelisting of destination addresses, with withdrawal networks (like ERC-20) chosen depending on the coin.

Withdrawals support common crypto networks (e.g., ERC20, TRC20), with limits like up to 10 BTC per withdrawal, and dynamic network fees; processing times have improved and can average 0.5 to 5 minutes for verified transactions.

Customer Support

Support runs seven days per week (roughly 7 AM–midnight GMT) via email and phone; crypto-specific FAQs and legal resources are available online for self-help.

PointPay offers live chat (often backed by bots and staff available 24/7) plus email support, although response times may vary; a knowledge base or FAQ section is available to help users find answers independently.

Languages & Localization

The platform supports native Spanish (among other languages), displays fees in local currencies like €, and adapts regulatory compliance regionally—especially in the UK and EU.

The platform supports multiple languages (over 18), displays fees in major currencies like EUR and USD, and has localized options for users—including regulatory adjustments based on region—for smoother experience.

App Quality & Stability

The mobile app (on both Android and iOS) provides secure, responsive crypto trading—including auto-trade/DCA, advanced charting, and regular updates—though explicit crash rate or stability metrics aren’t published.

PointPay’s mobile apps (iOS and Android) receive frequent updates with UI improvements and security enhancements (e.g., biometric login, 2FA fixes), though there are occasional user reports of withdrawal processing issues affecting app stability for some.

Experience, Performance & Ecosystem

UX/UI

OANDA delivers a clean, intuitive interface that balances simplicity with powerful tools—while there’s no explicit “Lite/Pro” mode, the mobile app is designed for both beginners and seasoned traders, offering quick buy/sell alongside advanced charting options.

PointPay offers distinct trading interfaces—“Quick Exchange” for fast, hassle-free trading, plus Classic and Advanced modes—which helps users smoothly transition from simple to more feature-rich views as they grow comfortable.

Performance

Thanks to OANDA’s partnership with Paxos’ itBit and TradingView integration, the platform ensures fast execution and reliable uptime, even during volatile periods—though, as with any high-demand service, minor responsive delays can occur under extreme market surges.

A recent technological upgrade dramatically sped up load times and responsiveness, handling up to a million concurrent users, and significantly improving order execution even during high-volatility periods.

Education

OANDA supplements its platform with helpful learning materials, including an education portal and demo capabilities (for other asset classes), but the crypto side currently offers fewer dedicated Spanish-language guides or simulation tools.

PointPay includes a “Learn & Earn” program with interactive lessons and rewards; however, it currently lacks a full demo simulator or dedicated educational content in Spanish.

Community

While OANDA doesn’t run official crypto-focused forums or Discord/Telegram communities, it leverages TradingView’s vast trader base for idea sharing, and offers standard referral incentives globally across its platform.

The platform maintains an active presence via Telegram (English channel), regular AMAs, and a referral program that rewards users for inviting newcomers.

Integrations

The platform shines in integration—offering seamless real-time trading via TradingView’s charts, with API access for automation; however, it does not currently support external bot marketplaces, tax tools, or integrated accounting features.

PointPay integrates TradingView directly for in-platform charting, and provides API access, though there’s no evidence of official tax tools, accounting software partnerships, or third-party trading bot integrations at this time.

Who Each One Is Best For

OANDA is especially well-suited for traders who value a trusted, regulated environment with smooth TradingView access and dependable execution—less ideal for those seeking rich educational content in crypto or advanced automation and tax/reporting tools.

PointPay serves beginner-to-intermediate traders best—offering intuitive onboarding, guided trading modes, and educational incentives—while more advanced traders relying on professional-grade tooling or automation may find the platform’s current scope limited.