Bitpanda Fusion vs Flatex Comparison
| 0.25 % | Fees | 0.7 % |
| € 3.00 | Cost for €1,000 | € 7.00 |
| 100+ | Cryptos | 20 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Transfer |
| MiCA license via BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
Bitpanda FusionWinner
vs
Flatex
Pros & Cons
Pros
- Volume-based maker/taker fees from 0.25% down to 0.02%
- Pro order types: limit, stop-limit, stop-market, take-profit, OCO
- Native TradingView charts with advanced indicators
- Public REST and WebSocket API for algorithmic trading
- Shared account with standard Bitpanda -- no extra onboarding
- Liquidity from 12+ aggregated order books
Cons
- Learning curve compared to the standard Bitpanda app has room for improvement
- Savings plan feature not available on Fusion
- Lowest fee tiers only reachable from high 30-day volume onward
- Asset selection limited to spot pairs -- no precious metals or stocks like on standard Bitpanda
Pros
- BaFin-regulated German bank with a full licence
- Crypto ETPs held in a standard portfolio alongside shares and ETFs
- German tax certificate included
- Established provider, in business since 1999
Cons
- No direct crypto trading, only ETPs and ETNs
- No withdrawal to a personal wallet
- Order fees on top of ongoing product costs (TER)
User Experiences
AI AnalysisNo separate analysis -- based on Bitpanda.
Existing brokerage clients value the simplicity; crypto purists miss owning real coins.
Investing carries a high level of risk, up to and including total loss of capital. This is not investment advice. As of July 2026, without guarantee.
Features
Bitpanda FusionFlatex
| ✓ | Maker/Taker Model | ✓ |
| ✓ | Order Types | ✓ |
| ✓ | API | ✓ |
| ✓ | Charts | ✓ |
| ✓ | Aggregated Order Books | ✓ |
| ✓ | Savings Plan | ✓ |
| ✓ | Wallet Transfer | ✓ |
| ✓ | 2FA Security | ✓ |
| ✓ | BaFin License | ✓ |
| ✓ | Mobile App | ✓ |
- 7-tier maker/taker model from 0.25% down to 0.02%
- Native TradingView charts and pro order types
- Public REST and WebSocket API
- BaFin licensing via the Bitpanda ecosystem
- Crypto in a securities wrapper for conventional portfolios
Details
Bitpanda FusionFlatex
| Bitpanda GmbH | Company | flatexDEGIRO Bank AG |
| 2014 | Founded | 2005 |
| MiCA license via BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 1 | Minimum Amount | € 1 |
| eID, Photo ID | KYC | eID, Video-ID, PostIdent |