The cheapest products in Europe are CFDs – production contracts where you do not own the underlying assets, made by regulators at 5x for retail traders. As of today, July 8, 2026, Bitpanda it is doing something the European market has never seen before: taking advantage of real stocks and ETFs.
The Vienna-based fintech is expanding its offering with margin trading of stocks and ETFs, allowing users to trade over 875 securities with 20x leverage. The main difference from every other CFD provider out there – you are buying real products, not betting on prices.
What is Bitpanda Margin Trading on Real Securities?
At its core, margin trading means borrowing money to open a bigger position than your cash allows. 20x means that someone placing €500 manages a position of €10,000 – and profits and losses are multiplied accordingly.
What sets this setup apart is what you are really selling. You are not trading CFDs or derivative contracts. You are directly involved in real security – and everything that comes with real ownership. Bitpanda is building this on top of the Real Securities brokerage, which has been operating since January 29, 2026. What’s new now are the additional features on top.
With real securities, that ownership is important: you have real shares in your securities account instead of derivatives, and as a shareholder you have the right to dividends, stock splits, mergers, and other business transactions that are regulated according to the rules of issuance and exchange.
How does Bitpanda offer 20x when the EU rules the cap at 5x?
This is a piece of wisdom, and I need to understand it. In the EU, stocks face strict limits: the regulator ESMA caps stock CFDs – betting on the movement of prices without real ownership – at 5:1 for retail clients.
But that ceiling only applies to CFDs. Because this is a higher security limit than a CFD, ESMA’s CFD limit does not apply here – and 20x is possible. The mechanism behind it: customers invest their capital and borrow others such as Bitpanda’s euro stablecoin EURCV to support the project.
What is the fee?
This is where implementation gets complicated in terms of pricing. The purchase is free of charge, a fee of € 1 is applied to the transaction, and for customers in Austria and Germany the platform also works to pay tax on income. On top of that there is a daily fee of 0.03% of the loan amount, at The launch of Bitpanda materials.
The topic of zero import fees comes with one caveat that should be announced to readers: “zero import fees” only applies to the purchase fee. Borrowing capital maintains a daily cash value, which keeps the transaction open.
Who is this really?
Here’s the part that marketing tends to skip, and it’s important. Investing in individual stocks is a very different type of risk than it is an investment crypto or large ETFs. Unlike crypto, stocks do not trade around the clock – trading takes place on fixed exchanges with fixed hours, not 24/7. Real Securities trading Monday to Friday, 07:30-23:00, not 24/7.
This creates an accident. If the price goes up overnight or over the weekend — say, after a bad earnings report — your position may open before you react. And with 20x, it doesn’t take much: if the stock moves just 5% against you, all your value is wiped out. A 5% difference after a profit warning is unusual for a single stock.
In terms of how profitable it is for retail traders, Bitpanda’s CFD product “Leverage” reveals that 53.24% of retail client accounts lose trading CFDs with their providers – and that’s 2x higher. This new product goes tenfold. Margin trading here is aimed at experienced traders who understand drawdowns, premiums, and risk management – not beginners looking for a shortcut.
Why this implementation is important for the European market
At length, this corresponds to a clear path. The move coincides with Bitpanda’s transition from a crypto broker to a multi-asset platform – in a year where the market is speculating about the Bitpanda IPO. And it taps into a broader European trend: more and more platforms are bringing advanced products to more people. The high is real – and so is the low risk.
By abandoning the CFD format entirely, Bitpanda has found a way forward that its CFD-based competitors cannot match. Whether it’s luck or just being superior to the game itself depends on how it’s used.
Are you ready to explore Bitpanda Margin Trading on real stocks and ETFs?
➡️ Trade over 875 real stocks and ETFs with up to 20x leverage – direct ownership, 0% fees, and only tax control in Germany and Austria. Unlike CFDs, you get real exposure to the underlying asset, not the derivative contracts.
