Terms & Conditions

“Bitpanda Promotion with ZEN.COM payments”

1. General 

The following terms and conditions (“Terms”) govern the rules for participating in the promotion “Bitpanda Promotion with ZEN.COM payments“ (“Promotion”) of Bitpanda GmbH (FN 569240v), with registered office in Stella-Klein-Löw-Weg 17, AT-1020 Vienna (“Bitpanda GmbH”), and Bitpanda Metals GmbH, with registered office in Stella-Klein-Löw-Weg 17, A-1020 Vienna (“Bitpanda Metals”), together referred to as the "Bitpanda Group" or simply "Bitpanda" and the resulting legal relationship between Bitpanda and Bitpanda Clients participating in the Promotion (“Participant” as defined in Section 3 or “you”).

Please be advised, participating in the Promotion shall constitute your unconditional acceptance to be bound by any and all of the terms of these Terms. [Bitpanda terms already agreed to, in particular the Bitpanda User Agreement, E-Token Terms and M-Token Terms in their current versions apply.

Any language version is a referential translation of the original English version of these Terms. In the case of any discrepancy, the English version shall prevail.

By participating in the Promotion, you represent and warrant you meet the eligibility requirements below and acknowledge that failure to meet all eligibility requirements will result in your disqualification. 

ZEN.COM is not the organiser of the Promotion and acts solely as a payment service provider in connection with funding transactions. ZEN.COM does not provide crypto-asset services, investment services or investment advice. 

Disclaimer: 

Crypto-Assets: Investing in crypto-assets comes with risks, including the risk of capital loss and cybersecurity. The value of crypto-assets is particularly volatile. Please refer to the risk information at https://www.bitpanda.com/en-at/legal/risk-disclosure before making any investment decisions. Crypto-asset services are provided by Bitpanda GmbH (FN 569240v), a crypto-asset service provider authorised by the Austrian Financial Market Authority (FMA) in accordance with Regulation (EU) 2023/1114 (MiCAR). Stella-Klein-Löw-Weg 17, AT-1020 Vienna. Investing in crypto-assets involves risks, including high volatility,  the potential loss of capital and cybersecurity. Carefully assess the risks before investing. Crypto-asset services are provided by Bitpanda GmbH, a crypto-asset service provider authorised by the Austrian Financial Market Authority (FMA) in accordance with Regulation (EU) 2023/1114 (MiCAR).

M-Token: Bitpanda Metals (M-Token) is offered by Bitpanda Metals GmbH (having its registered office at A-1020 Vienna, Stella-Klein-Löw-Weg 17, registered with the commercial register of the Commercial Court of Vienna under number FN 511923 d) and constitutes an unregulated product. Bitpanda Metals does not qualify as a crypto-asset under the Markets in Crypto-Assets Regulation (MiCAR). Investing in Bitpanda Metals involves inherent risks, including counterparty risk associated with the storage of precious metals by third-party custodians.

Past performance is not a reliable indicator of future performance. When investing in Bitpanda Metals, you may lose your entire investment. Ensure that you fully understand these risks before investing in Bitpanda Metals (M-Tokens).

2. Duration 

This Promotion starts on May 7th, 2026, 00:00 (CET) (“Start Date”) and shall end on May 18th, 2026, at 23:59 (CET) (“Promotion Period”). Bitpanda reserves the right to change or end the Promotion at any time.

3. Eligibility and Entry: 

Fully verified and registered Bitpanda Clients (the “Participants”, and each a “Participant”) who:

(a) meet all the requirements described in these Terms,

(b) are residents in Poland, Czech Republic or Romania,

(c) expressly opt in through In-App Stories during the Promotion Period,*

(d) during the Promotion Period, deposit via zen.com at least PLN 100 / RON 140 / CZK 600 and buy at least PLN 100 / RON 140 / CZK 600 in in an Eligible Asset** via the Bitpanda Broker*** (a “Qualifying Transaction”) in order to receive one (1) additional Promotion Entry, up to a maximum of twenty-four (24) additional Promotion Entries per Participant,**** 

(e) are not participating in (and/or have not redeemed) any other Bitpanda promotion at the same time. Only one Bitpanda promotion can be redeemed at one time; Participants eligible for this Promotion will be ineligible for any other affiliate promotions or company-wide promotions during the same period, and 

(f) and accept these terms.

New Bitpanda users will be required to sign up and register, complete the identity verification process and deposit funds into a new Bitpanda account in order to participate.

The following natural or legal persons are not eligible to enter the Promotion: 

(a) persons performing market-making services or any similar services as well as institutional customers;

(b) Bitpanda Enterprise users;

(c) employees and the immediate family members of such employees of Bitpanda or its affiliated companies, parent companies, subsidiaries, participating promotional partners, advertising agencies, and any company involved in the creation, production, or fulfillment of the Promotion.

*Failure to opt in within the Promotion Period will result in no entries being granted, even if the Participant has otherwise met the eligibility requirements and/or completed qualifying buy trades.

** Unless otherwise specified in the present Terms, “Eligible Assets” are M-Token and  Crypto-Assets.

***Any volume generated by the Participant prior to participating in this Promotion or outside of the Bitpanda Broker (transactions on Bitpanda Fusion) will not be taken into account and will not count towards purchase volume calculations. Swapping assets, L-Token, Earn, Margin Trading, Real Stocks and Bitpanda Crypto Indices are excluded from this Promotion.

****A free entry is awarded to all Bitpanda users who are registered and verified before the end of the Promotion Period. Additional entries are awarded based on the number of Qualifying Transactions (as defined above) during the Promotion Period. Each Qualifying Transaction of at least PLN 100 in an Eligible Asset on the Bitpanda Broker during the Promotion Period counts as one Promotion Entry up to the Entry Cap. For example, (i) a single Qualifying Transaction of PLN 400 will grant 1 Promotion Entry, (ii) while four Qualifying Transactions of PLN 100 will grant 4 Promotion Entries and (iii) a single buy or four buy transactions of less than PLN 100 will not grant any Promotion Entry. Each Promotion Entry earned via Qualifying Transactions shall count towards a per-Participant cap of twenty-five (25) total entries (the “Entry Cap”), which expressly includes the one (1) free entry.

4. Rewards, Winner Selection and Notification

After the Promotion Period has ended, four (4) Participants who, during the Promotion Period, (i) meet the eligibility criteria outlined in Section 3 and (ii) was not, for whatever reason, disqualified by Bitpanda, will be drawn at random for the following Rewards (each a “Reward”). Each Participant can only win one Reward. The drawing will take place no later than 19 May 2026.

Additionally, the first 100 Participants whose Bitpanda Account is registered with a residential address in Poland and who successfully register for, join the Promotion and complete at least one Qualifying Transaction during the Promotion Period will receive an additional bonus of PLN 100. The order of eligibility shall be determined by the timestamp of the first Qualifying Transaction as recorded in Bitpanda's systems. For the avoidance of doubt, this additional bonus is available exclusively to Participants resident in Poland and is not available to Participants resident in any other jurisdiction, including Romania and the Czech Republic.

The Participants selected for a Reward are hereinafter each referred to as a “Winner”, collectively the “Winners”).

The Reward consists of 

one paid trip for two (the Winner can bring one additional person of his/her choice) and match tickets for the AC Milan home match taking place in Milan, Italy on May 24th, 2026.

Please note: The trip will include the following:

(i) a pre-arranged accommodation for 1 (one) night,

(ii) travel expenses (e.g. flight, train tickets) up to EUR 500 in total will be reimbursed after the event. The Winner is required to provide the invoice for the respective travel service used. Only duly documented expenses are reimbursable. This element of the Reward will be credited to the Participant’s Bitpanda Account.

The Promotion is administered and run by Bitpanda and is not in any way sponsored, endorsed or administered by, or associated with AC Milan. By entering the prize draw, you acknowledge that Associazione Calcio Milan S.p.A. shall not have any liability to you in connection with this Promotion.

No substitution or cash equivalent of the Rewards, or any portion thereof, is permitted. The value of M-Token and digital assets is subject to change, and there can be a substantial risk that it could lose value (potentially all value) as a result of buying, selling, or holding the relevant assets. 

Following the draw, Bitpanda will notify the relevant Winner of their win of the Reward within 5 days after the end of the Promotion Period. Bitpanda will strive to transfer the travel expense reimbursement within 30 days after the submission of the documented expenses by the relevant Winner.

Bitpanda reserves the right to substitute a Reward, or any part thereof, with an item of equal or greater value if there are objective reasons to do so.

The Winners will be notified via email to the email address they have stated in their Bitpanda Client Account about the Reward. Bitpanda assumes no responsibility for undeliverable emails. All Participants are subject to verification by Bitpanda. In the event a qualified Participant cannot be contacted or fails to respond for a period of 72 hours from the notification or otherwise refuses the Reward, the relevant qualified Participant will be disqualified without further notice and an alternate Participant may be selected.

5. Disqualification

Bitpanda reserves the right to disqualify a Participant it suspects or finds (i) to have tampered with the entry process or the operation of the Promotion, (ii) to be acting in collusion with other Participants aimed at manipulating or disrupting the Promotion, (iii) to be acting in violation of these Terms, (iv) or in breach of any other applicable terms and conditions of Bitpanda, its subsidiaries, or (v) to have provided inaccurate information.

Disqualified Participants will not be entitled to become a Winner or win any other Reward under this Promotion.

Any attempt by a Participant to deliberately undermine the legitimate operation of this Promotion is a violation of laws, and should such an attempt be made, Bitpanda reserves the right to seek damages from any such Bitpanda Client or individual. 

Bitpanda is not responsible for the accuracy of the data you provide and may disqualify a participant if the email address of the Bitpanda Client is not valid.

6. Bitpanda’s Liability

To the extent permitted by law, in no event shall Bitpanda be liable for any direct or indirect loss arising out of or in connection with the Promotion. 

Bitpanda reserves the right, without any prior notice or compensation to you, to suspend, cancel, postpone or modify the Promotion, at any time, for any reason whatsoever. You do not have any legal claim against Bitpanda arising out of or in connection with this Promotion.

If, due to a technical, system, or human error, any assets, Rewards, or benefits are credited in error or in excess of the applicable Promotion, Bitpanda reserves the right to correct such error and reclaim, deduct, or reverse the affected assets. Affected Participants are not entitled to retain assets, Rewards or benefits granted in error. Bitpanda may take reasonable measures to resolve the issue.

7. Data Protection and Taxes

All data processing at Bitpanda in relation to this Promotion is carried out on the basis of the contractual obligation and legitimate interest in accordance with Article 6 Paragraph 1 Letters b and f of the General Data Protection Regulation 2016/679 (“GDPR”) for the purpose of establishing the legal relationship with the participant and for the subsequent implementation and processing of the Promotion.

For more information regarding the processing of your personal data and which rights you have according to the GDPR, please click here: https://www.bitpanda.com/en/legal/bitpanda-group-privacy-notice.

Bitpanda is not responsible for data processing by Associazione Calcio Milan S.p.A. or any other third parties (e.g. hotel or transport provider). For more information on how Associazione Calcio Milan S.p.A. or the relevant third party processes your personal data, please refer to their respective privacy notice.

Participants are solely responsible for any/all applicable taxes related to the Promotion. Participants should consult a tax advisor to determine tax implications in accepting any Reward. 

8. Contact

For further questions regarding this Promotion, please contact support.