“Bitpanda Vorsorgebonus”
1. General
The following terms and conditions (“Terms”) govern the rules for participating in the promotion “Bitpanda Vorsorgebonus“ (“Promotion”) of Bitpanda Financial Services GmbH, with registered office in Stella-Klein-Löw-Weg 17, A-1020 Vienna (“BPFS”) and Bitpanda Financial Services GmbH (Berlin Branch), with registered office in Dircksenstraße 4, 10179 Berlin, Germany (“Berlin Branch”), together referred to as "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](https://cdn.bitpanda.com/terms-and-conditions/user-agreement-bitpanda-bitpanda-gmbh-en-latest.pdf), [Financial Services-Terms](https://cdn.bitpanda.com/terms-and-conditions/financial-services-bitpanda-en-latest.pdf) in their current versions apply.
Any language version is a referential translation of the original German version of these Terms. In the case of any discrepancy, the German 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:
The Bitpanda Altersvorsorgedepot (“AVD”) is not yet available. Launch timing, availability and product features are subject to final decision by Bitpanda and may be unilaterally modified at any time.
Execution-only services for ETFs are provided by Bitpanda Financial Services GmbH through Bitpanda Financial Services (Berlin Branch). This is not a public offer. The information is provided for information purposes only and does not constitute investment advice or a recommendation. Past performance is not a reliable indicator of future results. Please refer to our [risk information on financial instruments](https://cdn.bitpanda.com/terms-and-conditions/risk-information-financial-instruments-bitpanda-en-latest.pdf) for further details on potential risks prior to making any investment decisions. Altersvorsorgedepot is a retirement account under the AltZertG. Investing involves the risk of loss, and so no returns are guaranteed, and you may lose part or all of your investment. Payouts are not possible before the applicable legal age, and if you withdraw early you may have to repay any state allowances and tax benefits you received. Please consider your personal circumstances, and consider speaking to an independent adviser, before investing.
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 the 28/10/2026, 09:00 (CET) and will consist of the following two periods:
(a) Waitlist Registration Period
The period during which Participants may sign up to the AVD waitlist will begin on the 28/10/2026, 09:00 (CET) and shall end on the day immediately preceding the AVD Launch, 23:59 (CET) (“Waitlist Registration Period”).
Participants who successfully sign up to the AVD waitlist, or opted in via in-app story or via email during the Waitlist Registration Period may qualify for the Early Bird Reward described in Section 4.
(b) Qualification Period
The Qualification Period shall consist of the five (5) consecutive periods of one (1) month each, the first beginning on the date AVD Launch and each subsequent period beginning on the corresponding day of the following month (each a “Campaign Month” and together the “Qualification Period”). Participants may join the Promotion at any time during the Qualification Period and qualify for a Monthly Reward for each Campaign Month in which they fulfil the requirements described in Section 3. Monthly Rewards shall be paid out within the seven (7) business days following the end of the relevant Campaign Month.
For the purposes of these Terms, the “AVD Launch” means the first date on which eligible Participants are able to invest in Eligible Assets in their AVD Account, as communicated by Bitpanda. For the avoidance of doubt, the conclusion of the AVD contract or the opening of an AVD Account alone shall not constitute the AVD Launch.
The Waitlist Registration Period and the Qualification Period shall together be referred to as the “Promotion Period”.
Bitpanda reserves the right to change or end the Promotion at any time.
3. Eligibility and Entry
Unless otherwise specified, entry is open to fully verified and registered Bitpanda Clients (each a “Participant” and together, the “Participants”) who:
(a) meet all the requirements described in these Terms,
(b) are legally eligible for state-subsidised retirement savings in Germany under AltZertG,
(c )who successfully open an AVD Account during the Qualification Period,
(d) are among the first ten thousand (10,000) who execute a Qualifying Investment* amounting to no less than EUR 50,00 in an Eligible Asset** during the Qualification Period, and
(e) accept these Terms.
To qualify for a Monthly Reward described in Section 4, Participants must make a Qualifying Investment in the relevant Campaign Month and maintain their AVD Account and the related contractual relationship with Bitpanda at the time the Monthly Reward is paid out.
To qualify for the Early Bird Reward described in Section 4, Participants must have successfully signed up to the AVD waitlist, or opted in via in-app story or via email, during the Waitlist Registration Period and must make a Qualifying Investment in each of the five (5) consecutive Campaign Months, as further described in Section 3.
For the avoidance of doubt this Promotion will only be available for the first 10,000 eligible users.
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 fulfilment of the Promotion.
*A “Qualifying Investment” means an investment of at least EUR 50,00 (fifty euros) in Eligible Assets in the Participant’s AVD Account within a Campaign Month, whether made via a savings plan or via manual purchases, calculated cumulatively as the aggregate value of all deposits in the Eligible Assets in the AVD Account within the same Campaign Month. Deposits of funds into the AVD Account or the Bitpanda Account without a corresponding investment in Eligible Assets shall not constitute a Qualifying Investment. Monthly Rewards are granted only for Campaign Months starting with the Campaign Month in which the Participant makes their first Qualifying Investment; no Reward is granted for earlier Campaign Months.
**Unless otherwise specified in the present Terms, “Eligible Assets” are ETFs.
4. Reward and Notification
All first 10,000 Participants who, during the Promotion Period, (i) meet the eligibility criteria outlined in Section 3 and (ii) were not, for whatever reason, disqualified by Bitpanda, will receive EUR 10,00 (ten euros) in e-money for each Campaign Month in which they make a Qualifying Investment (“Monthly Reward”). This amounts to a maximum of EUR 50,00 (fifty euros) across the five (5) Campaign Months.
Participants who fulfil the additional requirements for the Early Bird Reward described in Section 3, including a Qualifying Investment in each of the five (5) consecutive Campaign Months, will additionally receive EUR 25,00 (twenty-five euros) in e-money (“Early Bird Reward”). The Early Bird Reward will be paid out together with the Monthly Reward for the fifth (5th) Campaign Month.
Each Bitpanda Client is eligible for a maximum of one (1) Monthly Reward per Campaign Month, up to five (5) Monthly Rewards in total, and one (1) Early Bird Reward during the Promotion. The maximum total Reward per Participant therefore amounts to EUR 75,00 (seventy-five euros).
The Monthly Reward, as well as the Early Bird Reward - provided you meet the requirements in Section 2 (a) of this Terms - will be credited directly to the Participants’ Bitpanda Account.
Bitpanda will strive to transfer each Monthly Reward within seven (7) business days following the end of the Campaign Month in which the Qualifying Investment was made.
Bitpanda will strive to transfer the Early Bird Reward together with the Monthly Reward for the fifth (5th) Campaign Month. 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).
Only Participants 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 to receive the Reward.
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.
The relevant 10,000 eligible Participants will be notified via email to the email address they have stated in their Bitpanda Client Account about the payout of the Reward. Bitpanda assumes no responsibility for undeliverable emails.
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 receive a Reward as part of this Promotion.
If Bitpanda determines that a Participant has received a Reward through fraudulent, abusive or manipulative conduct (including, but not limited to, creating multiple or false accounts, providing inaccurate or misleading information, or exploiting technical errors or vulnerabilities), Bitpanda may disqualify the Participant and withdraw any Reward not yet redeemed. Where a Reward has already been redeemed, Bitpanda may, to the extent permitted by applicable law, reclaim its value from the Participant or set it off against any balance held in the Participant's Bitpanda account. Bitpanda's right to take further legal action remains unaffected.
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
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, please contact [support](https://support.bitpanda.com/hc/en-us).
