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Bitpanda: Everything you need to know about withdrawal fees in 2025
Bitpanda account and want to understand exactly what withdrawal fees apply? The platform recently announced the elimination of many costs to facilitate transactions . But what are the actual fees when withdrawing funds in euros or other currencies ?
Table of contents
What are the Bitpanda withdrawal fees today?
Bitpanda 's policy has changed significantly. The Austrian company has decided to eliminate most withdrawal fees for fiat currency , regardless of the payment method used. This means you can transfer euros from your Bitpanda account to your bank account or debit/credit cards without additional charges. The platform states that this move aims to improve transparency and offer an optimal user experience.
In concrete terms:
- SEPA transfers in euros are free .
- Payments by credit card or PayPal no longer incur any commission on Bitpanda.
- Foreign currency withdrawals also benefit from a zero-fee policy ( excluding potential fees from the receiving bank) .
Bitpanda Card users costs remain ATM withdrawals , particularly when made outside the Eurozone . this further in the section dedicated to the card.
Bitpanda withdrawal fees: Withdrawing in euros, focus on SEPA transfers
1. Safety and simplicity
transfer is often the preferred method for users to withdraw their cryptocurrencies converted to euros it 's both reliable and convenient. Once your euro balance has been credited, you simply need to:
- Access your fiat wallet Wallet ) from the Bitpanda interface
- Select Withdrawal , choose "SEPA Transfer"
- Enter the amount to withdraw and confirm the transaction
Thanks to the new "zero fees " policy, you will not be charged by Bitpanda for this transaction. Your bank, however, generally applies terms for transactions , which are usually free within the European Economic
2. Processing times
The time it takes for your money to arrive in your bank account often depends on the bank and the time you request the withdrawal . Generally speaking:
- If you make the request on a weekday before the clearing hours, the transfer may arrive the same day or the next day.
- Transfers or 2 business days depending on the banks .
This delay remains similar to most other exchange or decentralized finance platforms when it comes to withdrawing in euros via bank transfer .
Bitpanda withdrawal fees: Bitpanda Card, a closer look at ATM withdrawal fees
1. What is the Bitpanda Card?
The Bitpanda Card is a debit card linked to your Bitpanda . It allows you to pay with your assets (cryptocurrencies, fractional shares, metals) at any merchant accepting Visa, or to withdraw cash from an ATM to use your cryptocurrencies in everyday life, without having to convert them on the platform . However, certain conditions apply.
2. Costs associated with euro withdrawals
According to the latest Fee Information Document published by Bitpanda, cash withdrawals Eurozone cost €1.50 per transaction. This fee 's network management ATM access . This pricing is common to many neobanks and is not specifically a Bitpanda fee .
3. Withdrawals outside the euro area
If you are travelling or reside outside the SEPA , withdrawing cash from a foreign currency ATM €1.50 plus 2.5% of the transaction . This surcharge covers the exchange rate and fees . Also, be aware of any potential local bank charges
Bitpanda crypto withdrawal fees: what you need to know
Beyond euro , the fees applied for transferring cryptocurrencies to an external wallet must be taken into account. Unlike other platforms that simply charge variable network fees gas fees "), Bitpanda states that it applies fixed withdrawal fees per token.
For example :
- Removing AAVE costs 0.01000000 AAVE
- Removing 1 INCH incurs a 0.92200442 1 INCH fee
- Removing ARPA will cost you 5.23967687 ARPA
These fees are collected directly by Bitpanda, regardless of network conditions at the time of withdrawal. They are therefore fixed , known in advance , and can sometimes be higher or lower than the actual gas fees, depending on network conditions.
Here's what's essential to keep in mind:
- Bitpanda applies its own fixed withdrawal fees for each token, which may include an average estimate of network fees.
- If a token uses a specific network (like ERC-20 for Ethereum ), make sure your destination wallet
- Confirmation times vary depending on the network used (Bitcoin, Ethereum , Solana , etc.) and can take from a few seconds to several minutes.
Withdrawal limits and KYC
1. Identity verification
To fully benefit from Bitpanda 's services , KYC verification is required. This is mandatory for making transfers or withdrawals of significant amounts. Without verification, you risk being limited to small transaction limits .
Why Bitpanda removed most of its withdrawal fees
According to the founder of the Austrian fintech company , this decision serves a dual purpose:
- Expanding accessibility for all investors, regardless of their portfolio .
- Align the platform with a vision of transparency and reduced entry costs crypto .
This strategy aligns with Bitpanda's ambition to be a broker in the European market, where regulations are becoming stricter and demand greater security for individuals. Free deposits and withdrawals (in fiat currency) offer a significant competitive advantage over other exchanges that maintain more or less opaque commissions
Conclusion: Bitpanda, a platform more accessible than ever
Ultimately, if you're wondering about Bitpanda's withdrawal fees , most of these fees fiat currency transactions . You can therefore withdraw your euros without commission , whether via SEPA or PayPal , within the limits imposed by your bank. Regarding the Bitpanda Card , only cash withdrawals ATMs incur a fee of €1.50 within the Eurozone, with a 2.5% surcharge for foreign currencies. As for transferring cryptocurrencies to an external wallet , Bitpanda applies fixed fees.
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Yoann
Training engineer, I quickly became interested in the field of finance. Convinced that decentralized finance has a bright future ahead of it, I participate in its democratization by developing Crypternon.
