Bitpanda vs Luno 2026
Both records check out. What separates them is how you trade.
The case for Bitpanda rests on tighter spreads, more listed coins (400 vs 45); Luno pulls ahead where a trader weighs lower minimum deposit (None vs $1) more heavily.
Head to head
| Bitpanda | Luno | |
|---|---|---|
| Primary regulator | MiCA CASP Registered | FCA cryptoasset register Registered |
| Regulation tier | tier-1 | tier-1 |
| Min deposit | $1 | None |
| Taker fee | 0.5% taker | 0.5% taker |
| Listed coins | 400+ | 45+ |
| Native platform | Standard | Standard |
| Copy trading | No | No |
| Spot self-custody | Custodial | Custodial |
| Inactivity fee | None | None |
| Founded | 2014 | 2013 |
| Headquarters | Vienna, Austria | London, United Kingdom |
Regulation: Bitpanda vs Luno
Bitpanda operates as Bitpanda GmbH under MiCA CASP. This is a recognised registration framework. Registered exchanges are expected to segregate customer assets, follow anti-money-laundering rules and meet ongoing compliance obligations.
Luno operates as Luno Money Ltd under FCA cryptoasset register. This is a recognised registration framework, with customer-asset segregation, AML rules and ongoing compliance obligations.
Both files sit under tier-1 authorities, and neither reads as the safer record on paper.
Trading fees
Bitpanda's taker fee is 0.5% taker. Luno's taker fee is 0.5% taker. Bitpanda offers lower trading fees.
Bitpanda does not charge an inactivity fee. Luno does not charge an inactivity fee.
Platforms and tools
Both Bitpanda and Luno provide native web and mobile trading platforms.
Neither exchange offers copy trading.
Minimum deposit
Bitpanda requires a minimum deposit of $1. Luno requires None. Luno has the lower barrier to entry.
Keep in mind that the opening figure shifts with account type and with the entity that maps to your country. An offshore book can set the bar below the tier-1 entity.
Which is better for beginners?
Luno also has the lower minimum deposit of None. Both platforms are accessible to new traders, though neither is specifically designed as a beginner-only exchange.
Which is better for experienced traders?
Bitpanda's lower fees (0.5% taker) make it better for high-frequency strategies. Bitpanda lists more coins (400) for portfolio diversification.
Verdict: Bitpanda vs Luno
Bitpanda is the record to take if tighter spreads, more listed coins (400 vs 45) is what you are after; its MiCA CASP registration (Registered) carries the weight of a tier-1 authority.
Luno reads as the better fit for lower minimum deposit (None vs $1), with a FCA cryptoasset register registration (Registered) that carries the weight of a tier-1 authority.
Both files are genuine and on the register. Which one wins is settled by what you actually need at the terminal.
Frequently asked questions
Bitpanda vs Luno: which is better?
Bitpanda is better for tighter spreads, more listed coins (400 vs 45). Luno is better for lower minimum deposit (None vs $1). If regulation quality is your priority, both have comparable regulation.
Is Bitpanda or Luno safer?
Both Bitpanda (MiCA CASP Registered) and Luno (FCA cryptoasset register Registered) are regulated by tier-1 authorities. Both segregate client funds.
What is the minimum deposit for Bitpanda and Luno?
Bitpanda minimum deposit: $1. Luno minimum deposit: None. Minimums vary by entity and account type.
Do Bitpanda and Luno have API access?
Both Bitpanda and Luno provide native web and mobile platforms.