# ChainATM vs Bitpanda

> Bitpanda is an Austrian broker offering crypto, stocks, ETFs and metals in one custodial account, with German-language support and a MiCAR licence in the EU.

## Side-by-side

| | ChainATM | Bitpanda |
|---|---|---|
| Website | https://www.chain-atm.com | bitpanda.com |
| Category | AI-powered crypto wallet (chat + voice) | exchange |
| Fees | 1 credit per tx (0% on USDC and EURC) | A published trading fee that varies by asset, lowest on BTC and stablecoins and highest on small caps, with a spread applied on top |
| Interface | AI chat (voice + text) | Broker app and web dashboard with asset lists and order forms |
| Custody | Non-custodial (self-custody wallet) | Custodial (Bitpanda holds the assets) |
| AI commands | Yes | No |
| Voice commands | Yes (iOS) | No |
| Fiat onramp | Yes (Coinbase) | Yes |

## Bitpanda strengths

- German-language product and support
- EU-regulated with a MiCAR licence
- Crypto, stocks, ETFs and metals in one account
- Prepared German tax reporting
- Lower fee tiers available via Bitpanda Fusion

## Bitpanda weaknesses

- Custodial, so not your keys
- Trading fee and spread stack, so the headline fee is not the full cost
- No AI or voice
- No cross-chain swaps
- Withdrawal to your own wallet is a separate step

## Why choose ChainATM over Bitpanda

- Self-custody by default: Bitpanda's exchange holds your funds
- No order books, no charts, no trading pairs. Just chat
- One app for buy, swap, and send (no separate wallet product)
- Voice commands on iOS

## Common questions

### Is Bitpanda or ChainATM better for buying and sending crypto?

It depends on which part you do most. Pick Bitpanda if what your use case turns on is what it is strongest at: German-language product and support; EU-regulated with a MiCAR licence. ChainATM is the better choice if you want to buy, swap and send from one conversation instead of three separate flows, and it charges 0% ChainATM fees on USDC and EURC. ChainATM is non-custodial throughout: it never holds your funds, and purchases are executed by Coinbase straight into a wallet you control.

### What does Bitpanda cost compared to ChainATM?

Bitpanda: A published trading fee that varies by asset, lowest on BTC and stablecoins and highest on small caps, with a spread applied on top. ChainATM: 1 credit per transaction, from EUR 0.099 per credit, and 0% ChainATM fees on purchases of USDC and EURC. Other tokens use standard Coinbase on-ramp pricing. Network gas fees apply on both sides and go to the blockchain, not to the provider.

### Can I use Bitpanda and ChainATM together?

Yes. ChainATM is self-custody and does not require you to move away from Bitpanda. Many people keep Bitpanda and use ChainATM for the parts that are awkward elsewhere: cross-chain swaps in a single command, or fee-free USDC and EURC purchases.

### Does ChainATM hold my crypto like Bitpanda does?

No. Bitpanda holds your crypto on its own books until you withdraw it. ChainATM is non-custodial: the coins land in your own wallet, we never hold your funds, and we never have access to your keys in usable form. There is no withdrawal step, because nobody else held the funds in the first place.

### Is ChainATM available in my country?

Availability depends on our on-ramp partners' supported regions. ChainATM is built by Noctra Labs UG (haftungsbeschränkt) in Trier, Germany, registered at Amtsgericht Wittlich under HRB 48033. The fiat on-ramp runs through Coinbase, with EUR purchases by SEPA, card and Apple Pay.

## Related

- [All comparisons](https://www.chain-atm.com/compare.md)
- [Buy crypto](https://www.chain-atm.com/buy.md)
- [Pricing](https://www.chain-atm.com/pricing.md)
- [Auf Deutsch lesen](https://www.chain-atm.com/vergleich/bitpanda.md)