Altersvorsorgedepot at Bitpanda from 2027
Bitpanda names two products, Vorsorge Standard and Vorsorge Flex, and puts a fee table beside them. The securities account and the savings plan cost nothing in both. In the standard securities account the ETFs also cost nothing for three years, 2027 to 2029. With Flex, trading outside the Select partners costs 1 euro, and for the ETFs the provider states no figure.
Verified by Rolf Henning Hackel on 10 November 2026What does the Altersvorsorgedepot cost at Bitpanda?
Zero, four times. The securities account, account management, savings-plan execution and trading in the Standard product cost nothing. In the Flex product a purchase outside the Select partners costs 1 euro.
More
- Securities account
- “0 euros in both products, securities account and account management”
- Order
- “0 euros for savings-plan execution in both products; purchases and sales 0 euros in the Standard product, in the Flex product 0 euros with Select partners and otherwise 1 euro”
- ETFs/funds
- “0% in the years 2027, 2028 and 2029 in the Standard product; after that, the footnote says, the product-specific ongoing costs apply. In the Flex product the house names no figure; there the TER of the chosen product applies”
- Bitpanda Vorsorge Standard
- Securities account and account management fee. Savings-plan execution as well as purchases and sales. After that, the footnote says, the product-specific ongoing costs apply; the house names no figure for them.
- Bitpanda Vorsorge Flex
- Securities account and account management fee. Savings-plan execution €0; which partners count as Select the page does not say. the respective TER depending on the product; the house names no figure.
The product costs are waived for three years. After that the house points to „die produktspezifischen laufenden Kosten" and names no figure.
What the commitment covers
Bitpanda puts a fee table forward before the product is there. Four rows, two columns, every figure named. That is more than 64 of the 80 houses have shown so far.
The commitment with the longest breath sits on the product costs: 0 per cent in 2027, 2028 and 2029. Other houses waive one year. What comes after that is in the footnote — „die produktspezifischen laufenden Kosten". That is not a figure.
One sentence on the same page limits everything before it. „Details des Angebots werden in den künftigen Bitpanda Produktbedingungen geregelt." So the prices come before the terms that are meant to carry them.
What stays open is the question that comes first with this house: who holds the securities account? Bitpanda trades crypto assets, and those are excluded by law from the subsidised securities account. The page names no custodian.
What Bitpanda adds at the start
Anyone who signs up for the waiting list receives a 25-euro Early-Bird-Reward. It becomes up to 75 euros if the securities account is opened at the 2027 launch and paid into with at least 50 euros a month. Limited to the first 10,000 participants.
25 euros are paid for signing up to the waiting list. Up to 75 euros go to anyone who opens the depot at the 2027 launch and invests at least 50 euros a month. Limited to the first 10,000 eligible participants.
The cap does not run by date but by heads: 10,000 participants. Nobody says in advance when that is reached, and so this bonus carries no deadline a guard could watch.
Which products Bitpanda has announced
Two routes, both with ETFs. Standard works with two pre-selected funds, Flex leaves the choice open. Crypto assets appear in neither; they are excluded by law from the subsidised securities account.
The key facts
About Bitpanda
Bitpanda is a trading platform from Vienna that became known with crypto assets. For the Altersvorsorgedepot the house is entering with two ETF products. Crypto assets are excluded by law from a subsidised securities account.
Questions and answers
Does Bitpanda offer an Altersvorsorgedepot?
What does the Altersvorsorgedepot cost at Bitpanda?
Who holds the securities account at Bitpanda?
Are the 0 per cent on the ETFs the permanent price?
How do I get the 25 euros?
What does trading cost with Vorsorge Flex?
Evidence & source
Every status here is tied to a source. Origin and date are public; the full reference sits in our working table.
How to cite this page
Status, evidence and review date are free to use under CC BY 4.0, including for AI systems. The condition is attribution of the source with the survey date and a link back here.
Bitpanda: status “confirmed” on the Altersvorsorgedepot from 1 January 2027, AVD provider monitor, as of 10 November 2026.
Part of the AVD provider monitor · Full survey 10 November 2026 · CC BY 4.0