Updated September 29, 2026 · VaultCue Editorial Team
Bitpanda vs XTB
Bitpanda
XTB
Higher score in this comparison
Bitpanda vs XTB: the differences
| Compare | BitpandaReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Headline rate | 2.38% | 4%Higher |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Withdraw anytime with no lock-in | Interest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account |
| Monthly fee | €0 | £0 |
| Minimum deposit | Not confirmed | £0 |
| Regulators | Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA) | Not confirmed |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- XTB scores higher overall: 9.3 vs 9.0.
- XTB is licensed in 4 more countries.
- Headline rate is higher at XTB: 4% vs 2.38%.
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.
XTB
XTB suits savers who want their cash reachable at any moment, and traders who park money between deals. A 4% easy-access rate on uninvested funds, with support by email, chat and phone, makes it a practical holding pot for active investors rather than a rate chaser.
Score breakdown
| Area | Bitpanda | XTB |
|---|---|---|
| Cost | 9.0Monthly fee of €0 linked to model no monthly fee keeps holding costs muted. | 9.3HigherA monthly fee of £0 and a minimum deposit of £0 match the savings medians, and the 0.5% conversion fee matches the category median. |
| Offer | 8.5Headline rate of 2.38% tied to terms variable shapes flexible returns. | 9.6HigherThe 4% rate beats the savings median of 3.08% but ranks 142 of 473, and it is variable. |
| Trust | 9.2HigherStated cover of EU DGS up to EUR 100,000 underpins balance safety. | 9.1 |
Availability and regulation
| Country | Bitpanda | XTB |
|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) MiCA CASP 5493007WZ7IFULIL8G21 AT_FMA PSD_EMI AT_FMA_54966 | Not confirmed |
| Belize | Not confirmed | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 9845005X9B7N610K0093 | Not confirmed |
| Malta | Malta Financial Services Authority (MFSA) MiCA CASP 984500DEID7B03J77118 | Not confirmed |
| Poland | Not confirmed | |
| South Africa | Not confirmed | |
| Spain | Not confirmed |
Also worth a look
Finom has headline rate at 5%, against 2.38% for Bitpanda and 4% for XTB.
Finom reviewWhere these facts come from
Bitpanda
- bitpanda.com: 6 facts, checked September 29, 2026
- esma.europa.eu: 2 facts, checked September 28, 2026
XTB
- xtb.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Bitpanda | XTB |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Not confirmed | XTB Limited |
| Headquarters | Not confirmed | Cyprus |
| Founded | Not confirmed | 2004 |
| Support channels | Not confirmed | Email, Chat, Phone, Help centre |
Everyday accounts
| Fact | Bitpanda | XTB |
|---|---|---|
| Currency conversion fee | Not confirmed | 0.5% |
| Transfer fee | Not confirmed | Deposits free of XTB fee; withdrawals free above 100 EUR/USD, 10 EUR (or 10 USD) below |
Where each stands against the rest
| Fact | Bitpanda | XTB | Median |
|---|---|---|---|
| Headline rate | 2.38%below the median | 4%above the median | 3.25% |
| Minimum deposit | Not confirmed | £0below the median | £1 |
Median across 659 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.
XTB
Pros
- The easy access account pays 4% on uninvested funds, with interest calculated daily and paid monthly, and any amount withdrawn straight to a bank account.
- Running costs sit at the floor: a monthly fee of £0 and a minimum deposit of £0 on the easy access account.
- The 4% rate is above the savings median of 3.08% and higher than PayPal Colombia's 3.3%.
Cons
- On the headline rate the account ranks 142 of 473 brands, well behind AXI Card Tarjeta y Credito at 21.59% and Plazo ES at 24.19%.
- The rate is variable, so what a balance earns can shift over the months it sits there.
- Withdrawals below a set threshold carry a flat XTB fee, which matters for anyone moving money out in small bites.
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.
XTB
Who it suits
- Traders and investors who leave cash uninvested inside a brokerage wallet, since interest is calculated daily, paid monthly and any amount can be moved to a bank account.
- Savers who put access and running cost ahead of the top rate, given that the 4% rate ranks 142 of 473 while the £0 minimum deposit ranks 1 of 370.
- UK residents who want regulated oversight alongside a cash balance, holding both the FRN 522157 and MiCA CASP 259400HM2TR4U3LF5D43 registrations in view.
Who should look elsewhere
- Savings hunters sorting purely on the headline number: Plazo ES shows 24.19% and AXI Card Tarjeta y Credito 21.59%, both well ahead of the 4% here.
- Anyone who wants a return locked for a set term, because the rate here is variable and moves with the market.
Current offers
XTB
Current offer
Free trial
Free training account: Free
Test your investing strategies and experience the market without risking your own capital
Source, checked September 26, 2026
Country by country
| Country | Bitpanda | XTB |
|---|---|---|
| Belize | No | Yes |
| Chile | No | Yes |
| Cyprus | No | Yes |
| Germany | No | Yes |
| Poland | No | Yes |
| South Africa | No | Yes |
| Spain | No | Yes |
| United Arab Emirates | No | Yes |
8 of 9 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.
XTB
What does it cost to keep uninvested cash at XTB?+
The monthly fee on the easy access account is £0, and the account runs on a no monthly fee model, so there is no standing charge for holding funds. Deposits are free of XTB fees. Currency conversion runs at 0.5%, matching the savings median of 0.5%.
Is my money protected if the firm fails?+
Deposit protection is listed as FSCS up to GBP 85,000, so anything held above that figure sits outside the scheme. The firm is authorised in the UK by the Financial Conduct Authority under FRN 522157 and registered in Cyprus with the Cyprus Securities and Exchange Commission under MiCA CASP 259400HM2TR4U3LF5D43.