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Raiffeisen Autriche (Mein ELBA, via Bitpanda)

Banques Raiffeisen autrichiennes participantes (fournisseur d'accès) ; services crypto fournis par Bitpanda GmbH · Austria
Key points
Official sourceUnclaimedMiCA-licensed · Austria

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Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇦🇹 Austria

Regulation

Regulatory licences
MiCA licence
Licensing authority
FMA (Autriche), agrément MiCA de Bitpanda GmbH
Registered services
  • Custody
  • Order execution
  • Placement
  • Reception and transmission of orders
  • Transfer of crypto-assets
  • Crypto/crypto exchange
  • Crypto/fiat exchange
Register consulted
Consult the register → · verified on 07/11/2026

The Austrian Raiffeisen banks give access to Bitpanda directly from their Mein ELBA app ("Entdecken" tab). Customers with a Raiffeisen account can invest in cryptocurrencies from €1, set up a savings plan and pay for their purchases from their account, without an external transfer. Raiffeisen only provides access. The customer becomes a Bitpanda customer, and Bitpanda executes and holds the assets under its Austrian MiCA authorisation.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingInstant verification (KYC) : not disclosed

Available cryptos: 650

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, Raiffeisen Autriche (Mein ELBA, via Bitpanda) suits some use cases more than others.

Minimum deposit: €1Mobile appNo withdrawal to personal walletAutomatic DCADedicated pro interface: not disclosed

Minimum deposit of €1. Mandatory custody: no withdrawal to a personal wallet.

Available in Austria.

03How much it costs

Deposit
SEPA transfer0 %
Trading
0,99 %
published spread
Varies from 0,99 % to 2,49 % depending on the transaction, not on volume
Holding

No known holding fees

Exit

not disclosed

Blockchain network fees always excluded (identical for everyone, not set by the platform).

Raiffeisen does not charge for access. The fees are those of Bitpanda, with a percentage service commission per crypto in four tiers from 0,99 % (Bitcoin) to 2,49 % (small caps), shown before the purchase (Bitpanda cost transparency document, version of 08/07/2026). Raiffeisen does not state how exactly this schedule applies to the Mein ELBA journey.

Fees vary depending on the asset traded, the rate above is a reference, not a guaranteed average. BTC and stablecoins 0,99 %; most altcoins 1,49 %; Spotlight up to 2,49 % (Bitpanda schedule). Savings plan available via Mein ELBA.
Fee source: https://cdn.bitpanda.com/terms-and-conditions/cost-transparency-crypto-bitpanda-en-4.0.0.pdf · verified on 07/11/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

Bitpanda GmbH (MiCA-authorised, FMA). Raiffeisen acts only as a third-party access platform via Mein ELBA.

05What to know before you start

Reserved for adult residents of Austria with an account at a participating Raiffeisen bank, with a regional rollout (Lower Austria-Vienna, Styria, Tyrol, Vorarlberg, Salzburg…).
Closed system, with no transfer of crypto to or from an external wallet.
Raiffeisen charges no access fee but receives a remuneration from Bitpanda.
On the provider side, an FMA fine of €70 000 imposed on Bitpanda GmbH in August 2026 (the first MiCAR sanction in Austria). Client funds were not affected (FMA announcement, https://www.fma.gv.at/en/announcement-fma-imposes-sanction-against-bitpanda-gmbh-for-breaches-against-micar/).

Compensation transparency: affiliate partnership with Raiffeisen Autriche (Mein ELBA, via Bitpanda): Non. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is Raiffeisen Autriche (Mein ELBA, via Bitpanda) licensed under MiCA?

Yes. Banques Raiffeisen autrichiennes participantes (fournisseur d'accès) ; services crypto fournis par Bitpanda GmbH is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: FMA, agrément MiCA de Bitpanda GmbH, Austria. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on Raiffeisen Autriche (Mein ELBA, via Bitpanda)?

For €100 of bitcoin bought by SEPA transfer, the total cost is 0,99 €, spread included and network fees excluded (Uncrypt €100 index). Fees vary depending on the crypto bought. Fees checked on 07/11/2026 against the official fee schedule.

How many cryptos can you buy on Raiffeisen Autriche (Mein ELBA, via Bitpanda)?

650 crypto-assets are available on Raiffeisen Autriche (Mein ELBA, via Bitpanda).

What is the minimum deposit on Raiffeisen Autriche (Mein ELBA, via Bitpanda)?

The minimum deposit is 1 €.

Can you withdraw your crypto from Raiffeisen Autriche (Mein ELBA, via Bitpanda) to your own wallet?

No, Raiffeisen Autriche (Mein ELBA, via Bitpanda) does not let you withdraw your crypto-assets to a personal wallet: they remain held by the platform.

Can you stake crypto on Raiffeisen Autriche (Mein ELBA, via Bitpanda)?

No, Raiffeisen Autriche (Mein ELBA, via Bitpanda) does not offer staking.

Can you schedule recurring purchases (DCA) on Raiffeisen Autriche (Mein ELBA, via Bitpanda)?

Yes, Raiffeisen Autriche (Mein ELBA, via Bitpanda) lets you schedule recurring purchases (DCA).