Terms & Conditions

“Diversify Investment Your Way Promotion”

1. General 

The following terms and conditions (“Terms”) govern the rules for participating in the promotion “Diversify Investment Your Way Promotion“ (“Promotion”) of Bitpanda Metals GmbH, with registered office in Stella-Klein-Löw-Weg 17, A-1020 Vienna (“Bitpanda Metals” or “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, M-Token Terms and Financial Services-Terms in its current version 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. 

Disclaimer: 

Crypto-Assets: 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 (FN 569240v), Stella-Klein-Löw-Weg 17, AT-1020 Vienna, a crypto-asset service provider authorised by the Austrian Financial Market Authority (FMA) in accordance with Regulation (EU) 2023/1114 (MiCAR). 

Real Stocks: Execution-only services for ETFs, ETCs, and stocks are provided by Bitpanda Financial Services GmbH, Stella-Klein-Löw-Weg 17, AT-1020 Vienna. Not a public offer. Investing involves risk of loss, and past performance is not a reliable indicator of future results. Consider your circumstances and consult an independent adviser prior to investing. Other costs (e.g. spreads, inducements, foreign exchange costs, product costs and taxes) may apply and reduce your returns. See the Cost Information Document before trading. This Promotion does not constitute investment advice or an offer or a solicitation to buy or transfer financial instruments such as stocks, ETF and ETC. Investments in stocks, ETF and ETC carry inherent risks, including total loss of capital and significant market volatility. Please refer to our risk information on financial instruments for further details on potential risks prior to making any investment decisions.

M-Token: M-Token is not a crypto-asset and constitutes an unregulated product offered by Bitpanda Metals. 

Investing in M-Token involves inherent risks, including counterparty risk associated with the storage of precious metals by third-party custodians and the risk of losing your entire investment. Past performance is not a reliable indicator of future performance. 

This marketing communication is issued by Bitpanda and does not constitute financial advice or an invitation to conclude a transaction. Conduct your own research before concluding a transaction. 

2. Duration 

This Promotion will begin on March 9th, 2026, 00:00 (CET) and end on March 31st, 2026, 23:59 (CEST) (“Promotion Period”).

3. Eligibility and Entry: 

Unless otherwise specified, entry is open to fully verified and registered Bitpanda Clients (the “Participants”, and each a “Participant”) who:

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

(b) are not residents of a country or territory where the Promotion is not available*,

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

(d) during the Promotion Period, buy at least EUR 25 in any Eligible Asset*** on 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, it being understood that each Eligible Asset of choice counts only once for the Promotion Entry and that additional Promotion Entries require separate Qualifying Transactions with respect to a different Eligible Asset during the Promotion Period, and 

(e) 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 Technology Solution 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.

*Please note that - due to regulatory requirements - the Promotion is not available to users in certain restricted jurisdictions (Bitpanda Clients with residence in the United Kingdom or Greece). This communication is not intended for users/countries where restrictions apply.

**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 assets which constitute M-Token, Crypto-Assets and Stocks, ETC, ETF (ETC and ETF are not available in Switzerland). 

**** 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, opening and closing Bitpanda Leverage positions (L-Token), Margin Trading, Earn and investing in Bitpanda Crypto Indices or Bitpanda Cash Plus are excluded from this Promotion and will not be taken into account. For the avoidance of doubt, multiple buy transactions of one specific Eligible Asset will only count once. 

4. Rewards, Winner Selection and Notification

After the Promotion Period has ended ten (10) Participants will be selected according to the criteria set out below (“Winners” and each a “Winner”) and each will be awarded a reward, being €4,000 (four thousand euro) in Gold M-Token (each, a “Reward”).

The Reward is backed by real, physical gold. Each Gold M-Token you own represents a part of gold that is stored by Brinks in a vault in Switzerland. The physical gold stays, however, in the vault. That said, the value still follows the market price of gold, so it can fluctuate with market movements. 

A Participant who meets the eligibility and entry criteria (as described above) may qualify to receive entries (each, a “Promotion Entry”) for a chance to receive a Reward. 

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 EUR 25 in any Eligible Asset on the Bitpanda Broker during the Promotion Period counts as one Promotion Entry, provided that the Eligible Asset has not already been used to generate a Promotion Entry by the Participant during the Promotion period (i.e. repeated Qualifying Transactions in the same Eligible Asset do not generate Promotion Entries). Promotion Entries are awarded up to the Entry Cap. 

For example, (i) a single Qualifying Transaction of EUR 200 will grant 1 Promotion Entry, (ii) five Qualifying Transactions of EUR 25 in the same Eligible Asset will grant 1 Promotion Entry, (iii) one Qualifying Transaction of EUR 25 in one Eligible Asset and one Qualifying Transaction of EUR 25 in a different Eligible Asset will grant 2 Promotion Entries, and (iv) three Qualifying Transactions of EUR 25 in three distinct Eligible Assets will grant 3 Promotion Entries.A single buy or multiple  buy transactions of less than EUR 25 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. 

Upon conclusion of the Promotion Period, all valid Promotion Entries will be entered into a random drawing. Ten (10) unique Participants will be randomly selected as winners. The drawing will take place no later than 14th April, 2026.

No substitution or cash equivalent of the Reward, or any portion thereof, is permitted. The value of metals/M-Token is subject to change, and there can be a substantial risk that it could lose value as a result of buying, selling, or holding the Reward. 

Only Bitpanda Clients who (i) meet all the requirements described in section 3 and (ii) were not, for whatever reason, disqualified by Bitpanda in accordance with section 5 are eligible. 

Bitpanda will strive to transfer the Reward to the respective Participants two weeks after the Promotion Period ends. The transfer may be delayed and Bitpanda shall not be liable for any losses arising out of or in connection with a late transfer (e.g. losses due to price changes).

The Reward will be credited directly in Gold M-Token to the Participants’ respective Bitpanda Broker wallet. 

Participants, who are declared Winners in accordance with this section will be notified accordingly via email to the email address they have stated in their Bitpanda Client Account. Bitpanda assumes no responsibility for undeliverable emails. All potential Winners are subject to verification by Bitpanda. Bitpanda reserves the right to substitute the Reward, or any part thereof, with an item of equal or greater value if there are objective reasons to do so.

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. Limitation of 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.

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.