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Updated September 29, 2026 · VaultCue Editorial Team

Bitpanda vs Finom

Bitpanda scores 9.0 and Finom 8.9 out of 10. Compare their differences and shared features below.
Bitpanda

Bitpanda

Higher score in this comparison

9.0/10
Visit
Finom

Finom

8.9/10
Visit

What sets them apart

Bitpanda vs Finom
CompareBitpandaBitpandaReviewVisitVisitFinomFinomReviewVisitVisit
Headline rate2.38%5%Higher
Rate typeVariableFixed
Access termsWithdraw anytime with no lock-inInstant access, withdraw at any time with no withdrawal penalties
Account kindEasy accessCash management
Minimum depositNot confirmed€0
RegulatorsAustrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA)Not confirmed

Same on both: Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Bitpanda scores higher overall: 9.0 vs 8.9.
  • Bitpanda is licensed in 1 more country.
  • Headline rate is higher at Finom: 5% vs 2.38%.
  • Pricing model: only Finom offers Fixed rate.

Our verdict on each

Bitpanda

Bitpanda suits savers seeking flexible access plus stated deposit protection under European rules, with cash that stays available for withdrawal at any moment. The headline rate of 2.38% sits below the market middle shown at 3.25%, so yield chasers may look elsewhere for higher variable returns.

Read the full Bitpanda review

Finom

Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.

Read the full Finom review

Score breakdown

Bitpanda vs Finom
AreaBitpandaFinom
Cost9.0Monthly fee of €0 linked to model no monthly fee keeps holding costs muted.9.3HigherCosts sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.
Offer8.5Headline rate of 2.38% tied to terms variable shapes flexible returns.9.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.
Trust9.2HigherStated cover of EU DGS up to EUR 100,000 underpins balance safety.8.2

Where they rank in our lists

Bitpanda vs Finom
RankingBitpandaFinom
Savings accounts10 of 14201 of 1420

If neither fits

AU Small Finance Bank has headline rate at 6.75%, against 2.38% for Bitpanda and 5% for Finom.

AU Small Finance Bank review

Every fact side by side

Bitpanda vs Finom
FactBitpandaFinom
Pricing modelNo monthly feeNo monthly fee, Fixed rateCovers more
Legal entityNot confirmedPNL Fintech B.V.
HeadquartersNot confirmedNetherlands
FoundedNot confirmed2019
Support channelsNot confirmedEmail, Chat, Help centre, Community

Everyday accounts

Bitpanda vs Finom
FactBitpandaFinom
Currency conversion feeNot confirmed1%
CurrenciesNot confirmed17
AudienceNot confirmedBusiness, Freelancer
FeaturesNot confirmedFree ATM
Local account detailsNot confirmedIBAN
Free ATM withdrawalsNot confirmed€10,000
Transfer feeNot confirmedFree outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro)

Where each stands against the rest

Bitpanda vs Finom
FactBitpandaFinomMedian
Headline rate2.38%below the median5%above the median3.25%
Minimum depositNot confirmed€0below the median€1
Monthly fee€0at the median€0at the median€0

Median across 658 listed accounts.

Pros and cons

Bitpanda

Pros

  • Monthly fee of €0 keeps holding costs muted for savers
  • Deposit protection stated as EU DGS up to EUR 100,000 for eligible balances
  • Flexible account kind linked to easy access with variable terms of variable

Cons

  • Support runs on help centre and community only, which limits direct contact routes for savers needing guided help.
  • Variable terms through variable mean the return can move after opening, which suits flexible savers less focused on certainty.
  • Headline rate of 2.38% trails eToro at 3.8% for savers chasing higher variable yield.

Finom

Pros

  • The minimum deposit is €0, so an account can be opened without a large opening balance.
  • The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
  • Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.

Cons

  • The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
  • The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
  • Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.

Who each suits

Bitpanda

Who it suits

  • Savers seeking ready access to cash who accept variable returns, with AXI Card left aside for credit style needs.
  • Savers valuing stated European cover who find eToro less aligned despite higher headline yield.

Who should look elsewhere

  • Savers chasing higher variable yield may prefer eToro for its headline rate edge over Bitpanda.
  • Savers seeking guided phone help may prefer Santander Consumer Bank for broader service expectations beyond community routes.

Finom

Who it suits

  • Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
  • Small businesses paid in euros by clients abroad who want several currencies in one place.
  • Readers who want a set rate on working money rather than the highest variable rate on the table.

Who should look elsewhere

  • Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
  • Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
  • Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.

Current offers

Finom

Current offer

  • Bonus

    Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000

    Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply

    Source, checked September 26, 2026

  • Free trial

    30-day trial on paid plans: 30 days

    Paid Basic and Smart plans, excl. VAT; paid monthly or yearly

    Source, checked September 26, 2026

  • First period offer

    3 months for free for partners customers only: 3 months free

    Customers introduced through the Finom Partner Program

    Source, checked September 26, 2026

Country by country

Bitpanda vs Finom
CountryBitpandaFinom
AustriaNoYes
BelgiumNoYes
CyprusNoYes
FranceNoYes
GermanyNoYes
IrelandNoYes
ItalyNoYes
NetherlandsNoYes

8 of 11 countries where either is available.

Questions about each

Bitpanda

Does Bitpanda charge a monthly fee for this savings account?+

The account carries a monthly fee of €0 under model no monthly fee. That structure leaves holding costs muted while returns depend on market moves and the variable terms that apply to balances.

Is cash held with Bitpanda protected?+

Stated protection is EU DGS up to EUR 100,000. That cover applies within the stated European deposit framework and gives savers a defined safety net for eligible cash, subject to scheme rules and limits.

Finom

What does it cost to keep a Finom account?+

The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.

Is my money protected if something goes wrong?+

Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.

Other options to compare

Other matchups

Bitpanda

Visit

Finom

Visit