Bitpanda Referral Code 2026: Up to €100 Welcome Bonus

Signing up on Bitpanda takes under 10 minutes online or via the mobile app. The interface is one of the simplest on the market — built for beginners.

You enter your email, create a password, then complete KYC verification (photo ID + video selfie). Approval is often instant thanks to automated checks.

Once verified, you can deposit euros by SEPA transfer (free, 1-2 days), card or Apple Pay. Bitpanda also offers an automatic Savings Plan to invest a fixed amount weekly or monthly.

The Bitpanda "Tell-a-Friend" programme works in cumulative tiers based on the amount the new user invests in crypto or Bitpanda Crypto Indices (BCI) after signing up — official schedule published on bitpanda.com, checked 23 July 2026:

The cap is €200 combined (€100 for the new user, €100 for the referrer). Bitpanda now publishes the full schedule on its Tell-a-Friend page — beware of sites still quoting outdated intermediate figures. Only purchases count: sales and crypto-to-crypto swaps are excluded, as are stocks, ETFs and metals. Each bonus is credited to your Bitpanda fiat wallet as soon as a tier is reached. That is more transparent than the trading coupons of Binance, which sometimes carry restrictive usage conditions.

Bitpanda referral bonuses follow a simple mechanic:

• Each tier reached triggers the corresponding bonus, credited to your Bitpanda fiat wallet (as a euro voucher).
• The programme is cumulative: €5 each from €500 invested, +€10 at €1,000, +€25 at €2,000, +€35 at €5,000 and +€25 at €10,000 — up to the €100-each cap.
• Only crypto or BCI purchases move you up the tiers — not stocks, ETFs or metals, nor sales and swaps.
• The bonus can then be used to invest on the platform.

Unlike the Binance (conditional coupons) bonus, the Bitpanda bonus is a euro credit in your fiat wallet.

Bitpanda is a multi-asset platform, not just a crypto exchange:

• Cryptocurrencies: 650+ tokens (Bitcoin, Ethereum, Solana and many more).
• Real stocks and ETFs: since 29 January 2026, Bitpanda offers more than 10,000 instruments (around 7,500 stocks and 2,500+ ETFs) held in a securities account under MiFID II — no longer derivative contracts. Older contracts ("legacy assets") are now sell-only.
• Precious metals: gold, silver, platinum, palladium — backed by physical reserves.
• Commodities: oil, natural gas and other commodity indices.

This breadth makes Bitpanda a direct competitor to Trade Republic (stocks + crypto), with a much larger crypto catalogue and the addition of precious metals. Bitpanda is also the official crypto partner of Paris Saint-Germain.

Bitpanda positions itself as an accessible all-in-one:

Bitpanda is more expensive than Binance on crypto fees (1.49% vs 0.1%), but its simplicity and asset variety make it the ideal choice for beginner investors who want everything on one platform.

Founded in 2014 in Vienna (Austria), Bitpanda has become one of Europe's leading brokers with more than 7 million users (figure shown on bitpanda.com, checked July 2026). The company has been profitable since 2023 and has raised over €400 million from investors such as Valar Ventures (Peter Thiel).

Bitpanda holds a MiCA licence granted via Germany's BaFin in January 2025 — one of the first major European exchanges to secure it — passported across the whole EU.

The interface is widely praised for its simplicity: one-click buying, an automatic savings plan, and a unified portfolio (crypto + stocks + ETFs + metals). Bitpanda helped popularise fractional stocks in Europe before switching to real securities-account stocks on 29 January 2026.

A few rules to know:

• The referral bonus is reserved for new users who have never created a Bitpanda account and sign up through the link (cookies enabled). The programme is not available in the UK.
• Only crypto or Bitpanda Crypto Index (BCI) purchases count towards the tiers — not stocks, ETFs or metals, nor sales and crypto-to-crypto swaps.
• KYC verification is mandatory before any investment or withdrawal.
• The 1.49% crypto fee includes the spread (buy/sell gap). For active traders, Binance (0.1%) is cheaper.
• Since 29 January 2026, stocks and ETFs are real instruments held in a securities account (MiFID II). Derivative contracts bought before that date are now sell-only ("legacy assets").
• Your capital gains are taxable in your country of residence.
• Bitpanda is not a bank. Your funds are not covered by deposit-guarantee schemes; crypto is held in cold storage. For long-term holdings, consider a personal cold wallet like Tangem.