Kraken vs Bitpanda: Bagaimana pertukaran kripto ini dibandingkan

When comparing Kraken vs Bitpanda, investors are evaluating two European-accessible platforms that go beyond simple crypto trading. Bitpanda is known for its user-friendly, multi-asset approach that includes stocks and ETFs, while Kraken began as a cryptocurrency exchange and has expanded to offer a wide range of services including staking, recurring purchases, asset baskets, and access to additional investment products in select regions. In this comparison, we examine how Kraken and Bitpanda differ across fees, supported assets, trading tools, investment features, security standards, and overall platform flexibility.

Diasaskan pada tahun 2011 di Amerika Syarikat, Kraken adalah antara nama terawal dan paling mantap dalam industri mata wang kripto. Dilancarkan kurang daripada dua tahun selepas kemunculan Bitcoin, pertukaran ini telah mendapat pengiktirafan global kerana tumpuannya yang kuat terhadap keselamatan, ketelusan operasi, dan pengalaman pengguna yang berkualiti tinggi.

Hari ini, Kraken berkhidmat kepada lebih 15 juta pelanggan di lebih 190 negara. Tawarannya merangkumi platform Kraken utama untuk pelabur individu, kepada platform perdagangan serba guna yang berkuasa untuk pedagang canggih dan institusi melalui platform Kraken Pro dan aplikasi Kraken Desktop.

Suite institusi Kraken merangkumi pasaran spot, margin, niaga hadapan, staking, dan perdagangan OTC untuk pelanggan yang berkelayakan. Kraken juga melabur secara besar-besaran dalam pendidikan melalui Kraken Learn, menyokong pedagang baharu dan berpengalaman.

Beribu pejabat di Wyoming, Kraken menekankan komitmen terhadap akauntabiliti dengan Proof of Reserves yang rutin, amalan yang diperkenalkan kepada industri sejak tahun 2014. Ia juga merupakan pertukaran kripto pertama yang disenaraikan di Bloomberg Terminal, membantu merapatkan jurang antara kewangan tradisional dan aset digital.

Dengan lesen kawal selia merentasi pasaran utama termasuk US, Kanada, UK, EU dan sejarah membantu dengan kes seperti tuntutan pemiutang Mt. Gox, Kraken telah membina reputasi untuk operasi yang stabil dan patuh yang menjadikannya destinasi yang dipercayai bagi mereka yang mencari pertukaran kripto yang selamat dan berkekalan.

Founded in 2014 by Eric Demuth, Paul Klanschek, and Christian Trummer, Bitpanda is a digital asset trading platform headquartered in Austria. Launched with a goal of simplifying crypto, it aims to make investing available to everyone via a retail-focused offering. Bitpanda’s core product is a spot crypto exchange which supports 500+ cryptocurrencies and tokens through mobile and web interfaces. Towards its goal of simplifying investing, it also offers “crypto indices” (one-click products that offer exposure to a range of digital assets) and earning/staking features. In 2026, it expanded its offering to include precious metals, equities and ETFs, complete with fractional share functionality. Bitpanda stands out as a user-friendly option with broad asset support — making it a strong choice for users that want to manage investments via a single portal. As a Europe-focused platform, it complies with the MiCA framework, meaning that its customers enjoy stronger consumer protections. However, Bitpanda lacks the advanced trading tools and institutional-grade features that some of its more specialized competitors offer. Order types remain relatively basic, and margin/derivatives products are unavailable — meaning that it may not be suitable for intermediate/advanced traders. As a result, it caters best to users seeking a simple, all-in-one platform for managing traditional and digital assets versus those deploying advanced trading strategies.

While both platforms serve European investors, Kraken’s longevity in the crypto industry sets it apart. Founded in 2011, Kraken has navigated multiple bull and bear cycles, maintaining continuous operations while many competitors have come and gone. Security remains central to Kraken’s identity. With no history of client fund breaches, internationally recognized certifications (ISO/IEC 27001, SOC 2 Type II), and regular third-party Proof of Reserves audits, Kraken operates with a security-first mindset. Beyond crypto access, Kraken provides advanced trading infrastructure, staking, recurring purchases and institutional-grade services under a globally licensed framework — appealing to users who prioritize resilience, compliance and deep market liquidity over simplified multi-asset convenience.

Ekosistem produk Kraken direka untuk menyokong pelbagai gaya dagangan dan tahap pengalaman. Pengguna boleh berdagang di mana-mana sahaja dengan aplikasi mudah alihnya yang diperkemas atau menggunakan alat yang lebih canggih melalui Kraken Pro, yang menawarkan carta terperinci, jenis pesanan tersuai dan data pasaran masa nyata.

Platform ini menyokong dagangan spot untuk semua pengguna, dengan dagangan margin (leverage sehingga 5x) dan kontrak niaga hadapan (leverage sehingga 50x) tersedia di wilayah yang layak. Pelanggan institusi dan berpendapatan tinggi boleh mengakses perkhidmatan tambahan melalui meja OTC Kraken dan tawaran Kraken Prime.

Selain dagangan, Kraken menyediakan staking crypto pada lebih 21 aset, dengan ganjaran sehingga 17% APY bergantung pada syiling dan keadaan rangkaian. Pengguna boleh memperoleh secara pasif dengan melakukan staking aset seperti Ethereum (ETH), Solana (SOL) dan Cardano (ADA) terus melalui platform.

Kraken juga menyokong pembayaran digital global melalui Krak, ciri yang membolehkan pengguna menghantar crypto atau wang tunai tanpa yuran transaksi.

Pada tahun 2024, Kraken melancarkan rangkaian Ink Layer-2 yang dibina di atas SuperChain Optimism, menyediakan jambatan yang lancar antara pertukaran terpusat dan protokol DeFi yang popular.

Bagi mereka yang ingin memperdalam pengetahuan kewangan mereka, Kraken Learn menawarkan sumber pendidikan yang merangkumi segala-galanya dari asas blockchain hingga strategi dagangan lanjutan.

Bitpanda is built around a multi-asset investing experience for European users. Clients can buy, sell and swap cryptocurrencies via a simple app flow, set up recurring investment plans, and access staking-style earning features on supported tokens. In addition to crypto, Bitpanda also offers exposure to stocks, ETFs, and other asset classes from the same account. For users who want more control over execution, Bitpanda also provides a more exchange-like trading experience in certain regions, though its core product is generally designed around convenience rather than professional trading workflows.

Bitpanda is designed for simplicity and multi-asset exposure, which can be appealing for users who want crypto alongside other investment products in one place. However, its experience is typically oriented around convenience rather than exchange-grade execution and pro trading workflows. Kraken offers a more complete crypto-native ecosystem: advanced tooling via Kraken Pro, deeper liquidity, and access to spot, margin and futures markets in eligible regions. For investors who also want passive and structured strategies, Kraken adds staking, recurring buys (DCA) and curated asset bundles—plus expanded investing access in select markets—without compromising on transparency and security-first infrastructure.

Pelanggan boleh mengakses lebih 600 mata wang kripto di Kraken, termasuk yang utama seperti Bitcoin (BTC) dan XRP (XRP) serta pelbagai altcoin, daripada memecoin kepada token staking cecair.

Terdapat juga lebih 11,000 ETF dan saham bebas komisen yang tersedia untuk didagangkan terus dalam aplikasi Kraken. Dan bagi pelanggan di lokasi yang layak, mereka boleh melabur dalam xStocks, iaitu versi token bagi ekuiti ini.
Kraken menyokong pengeluaran dan deposit dalam sepuluh mata wang fiat utama, menjadikannya cepat dan mudah untuk pelanggan global membiayai akaun mereka.

Mata wang fiat yang disokong termasuk:

• USD (Dolar AS)

• CAD (Dolar Kanada)

• GBP (Paun Sterling)

• EUR (Euro)

• JPY (Yen Jepun)

• AUD (Dolar Australia)

• CHF (Franc Switzerland)

• ARS (Peso Argentina)

• MXN (Peso Mexico)

• BRL (Real Brazil)

Terdapat juga 15 stablecoin yang disokong, termasuk Tether (USDT), USDC dan USDG.

Bitpanda’s crypto lineup covers many of the most widely traded coins and tokens, alongside a rotating set of newer assets. The platform is also known for combining crypto with non-crypto investing in one account, letting users build a portfolio that can include stocks, ETFs and metals alongside digital assets. Compared with large global exchanges, Bitpanda’s token list is typically more curated, and availability can vary by country and product type depending on local rules and how the asset is offered.

Bitpanda offers multi-asset exposure, but Kraken stands out for the depth and scale of its crypto listings. With 500+ cryptocurrencies and strong global liquidity, Kraken provides broader access for investors who want to diversify beyond mainstream tokens. In select regions, Kraken also supports over 11,000 stocks and ETFs, allowing users to manage both digital and traditional assets within one ecosystem. For traders seeking extensive crypto market coverage combined with expanding multi-asset capabilities, Kraken offers greater long-term flexibility.

Model yuran berasaskan volum Kraken adalah berperingkat dan telus untuk menyokong pedagang profesional dan pelabur kasual.

Dengan yuran pembuat bermula pada 0.25% dan yuran pengambil pada 0.40%, terdapat juga diskaun yang tersedia untuk individu dan institusi volum tinggi. Dengan langganan Kraken+, yuran ini boleh dihapuskan sepenuhnya untuk pelanggan yang layak sehingga volum bulanan tertentu.

Kebanyakan deposit kripto dan fiat adalah percuma, dengan beberapa pengecualian bergantung pada kaedah transaksi dan aset tertentu. Kraken juga menekankan ketelusan dengan memaparkan semua yuran sebelum transaksi disahkan, memastikan pelanggan menyedari sebarang yuran terlebih dahulu dan mengelakkan kejutan kos yang tidak dijangka.

Bitpanda’s pricing is generally presented as a spread or premium built into the quoted buy and sell price for instant trades, which can be convenient but harder to compare across venues. Fees can differ by asset class and order type, and discounts may be available through its BEST loyalty program. For users who prefer a more traditional maker/taker model, Bitpanda Pro provides exchange-style spot fees and order book execution, but product availability and features are not identical across Bitpanda’s interfaces.

Bitpanda integrates fees directly into its pricing structure, which can simplify the buying experience but may make cost comparison less transparent for active traders. Kraken operates on a clearly published maker-taker model, with visible volume tiers and no requirement to hold a platform token to unlock competitive pricing. For traders who value predictable, exchange-style fee mechanics and transparent execution costs, Kraken’s structure offers greater clarity and scalability.

Kraken secara meluas dianggap sebagai salah satu platform kripto paling selamat dalam industri. Sejak penubuhannya, Kraken tidak pernah mengalami pelanggaran yang mengakibatkan kehilangan dana pelanggan, satu tuntutan yang tidak dapat dibuat oleh beberapa bursa lain. Pelanggan mendapat manfaat daripada perlindungan akaun berbilang lapisan, termasuk 2FA dengan kunci laluan, penyulitan e-mel PGP, keizinan kunci API terperinci dengan sempadan julat, had masa akaun yang boleh dikonfigurasi, pemantauan masa nyata untuk aktiviti yang mencurigakan, penyenaraian putih pengeluaran dan tetapan kunci induk.

Kraken merintis Proof of Reserves pada tahun 2014 dan terus menerajui industri dengan audit yang kerap dan boleh disahkan secara bebas. Prosedur kriptografi ini membolehkan pelanggan menyemak sendiri bagaimana baki akaun mereka disokong oleh aset sebenar, pada bila-bila masa. Kraken juga memegang pensijilan ISO/IEC 27001:2013, pematuhan audit SOC 2 Jenis 2 dan mengendalikan program ganjaran pepijat awam yang mantap.

Bitpanda emphasizes account-level security controls such as two-factor authentication, device verification and withdrawal confirmations. The company states that the majority of digital assets are stored in cold wallets, with internal safeguards designed to limit operational risk. As a European-based platform, Bitpanda operates under regulatory frameworks applicable in the jurisdictions where it provides services. Custody structure and available protections may vary depending on the specific product used (e.g., crypto versus traditional assets).

Both platforms emphasize security controls, but Kraken’s defining strength is its long-term track record. Since launching in 2011, Kraken has not reported a breach resulting in the loss of client funds — a distinction that reinforces its position as a security-focused exchange. Combined with recurring Proof of Reserves audits, internationally recognized certifications such as ISO/IEC 27001 and SOC 2 Type II, and a defense-in-depth architecture, Kraken’s model is built around institutional-grade safeguards. For investors who prioritize resilience across market cycles, Kraken’s security history remains a key differentiator.

Kraken dikenali kerana perkhidmatan pelanggan yang responsif dan profesional, menawarkan pelbagai saluran sokongan untuk memenuhi keperluan pengguna yang berbeza. Pelanggan boleh mengakses sembang langsung 24/7 dengan ejen manusia sebenar, menghantar permintaan melalui e-mel, atau (dalam kes terpilih) bercakap terus dengan pakar sokongan melalui telefon.

Pasukan sokongan berbilang bahasa Kraken boleh membantu pengguna dalam lebih sedozen bahasa. Ini membantu syarikat melayani pangkalan pelanggan globalnya dengan lebih berkesan.

Bursa ini juga telah memperoleh markah tinggi dalam kepuasan pelanggan dan diiktiraf sebagai Pemenang Penggunaan AI Terbaik dalam CX (Eropah) di Customer Centricity World Series. Fokusnya pada kejelasan, empati, dan kelajuan dalam menyelesaikan isu terus membezakan pengalaman pelanggan Kraken dalam ruang yang kompetitif.

Bitpanda provides support through an online help centre and ticket-based assistance, with additional educational content for newer investors. As with many retail-first apps, response times can vary during periods of high market activity. Users looking for dedicated account support, faster escalation paths or around-the-clock live assistance may want to compare service levels and availability in their country before committing significant balances.

Bitpanda offers multi-asset exposure, but Kraken stands out for the depth and scale of its crypto listings. With 500+ cryptocurrencies and strong global liquidity, Kraken provides broader access for investors who want to diversify beyond mainstream tokens. In select regions, Kraken also supports over 11,000 stocks and ETFs, allowing users to manage both digital and traditional assets within one ecosystem. For traders seeking extensive crypto market coverage combined with expanding multi-asset capabilities, Kraken offers greater long-term flexibility.

Kraken and Bitpanda both serve European investors, but they approach product design differently. Bitpanda emphasizes a simplified multi-asset investing experience, integrating crypto alongside stocks and ETFs in supported regions. Kraken, by contrast, combines that expanding multi-asset capability with deeper crypto-native infrastructure. With 500+ cryptocurrencies, advanced trading tools via Kraken Pro, staking, recurring buys (DCA) and institutional-grade services, Kraken is built for users who want flexibility beyond simplified investing. For those prioritizing liquidity depth, security standards and long-term scalability, Kraken often offers the more comprehensive ecosystem.