Is it worth investing 50 euros in Bitcoin?

To get straight to the point: yes. You can invest even small amounts like €50 in Bitcoin and benefit from the opportunities of the crypto market. Such investments are particularly well-suited to gaining initial experience and better understanding the dynamics of Bitcoin (BTC for short). However, you should always keep an eye on the volatility of the Bitcoin price and any potential transaction fees. Whether it’s really worth investing €50 in Bitcoin also depends on your financial goals and your understanding of the risks.

In our guide, you'll learn how small amounts like €50 can be a meaningful addition to other trading strategies, what advantages and disadvantages such investments offer, and how you can implement them.

• Entry into the Bitcoin market: You can already invest in Bitcoin (BTC) with small amounts like €50 and gain initial experience in the crypto market.

• Investment strategies: Strategies such as the “cost-average effect” or “buy and hold” help you benefit from potential long-term price increases.

• Cost factor for small investments: Transaction fees and the high volatility of the Bitcoin price have a greater impact on small investments, so you should look for a provider with proportionate fees.

• Flexible investing with satoshis: Bitcoin is divided into smaller units (satoshis), allowing you to invest flexibly even with small amounts.

Can you still get rich with Bitcoin today?

It is possible to achieve significant profits with Bitcoin, but such successes also come with high risks. In 2025, over the first six months alone, more than 26,000 Bitcoin wallets have crossed the million mark. The total number of wallets holding Bitcoin worth over a million has increased by 17%, from 155,569 to 182,327.

To better assess whether a Bitcoin investment is worthwhile, it helps to look at its past price development and historical price trends.

Bitcoin price development

Bitcoin’s price history clearly shows how significantly its value can change within a short time. This helps you understand why high profits are possible but always come with corresponding risks.

The development of Bitcoin’s price over the years:

• 2010: Bitcoin was first traded on the exchange at well below one cent due to low demand.

• 2017: The price of the cryptocurrency reached nearly $20,000 in December for the first time, driven by growing attention and speculation.

• 2020–2021: Bitcoin broke the $50,000 mark in February 2021, fuelled by institutional investors and increased interest in cryptocurrencies.

• 2022: A sharp drop to below $20,000 highlighted the risks of a correction phase after a bull market (a market phase in which prices rise significantly over a longer period, while in a bear market the price falls over a longer period).

• 2024: By November, the price stabilised at a new all-time high of over $90,000, driven by regulatory clarity and adoption by businesses.

• 2025: Bitcoin continues its upward trend and reaches a new high of over $123,000 by August. Increased interest from institutions, favourable regulation and a shift in macroeconomic sentiment contributed to the rise.

The historical development shows that Bitcoin has often gained significantly in value over the long term, although there have always been phases of sharp declines. For investors, this means: if you invest long term and ride out the fluctuations, the developments can pay off. Especially interesting here is the compound interest effect combined with long-term strategies like buy and hold. You buy Bitcoin, hold the investment long term and benefit from compound interest. This can make you less dependent on short-term fluctuations, with the expectation that the value will rise over the years.

Are there forecasts for the Bitcoin price?

Numerous experts have made forecasts for the future Bitcoin price, but these are subject to uncertainty due to the market's volatility. Cathie Wood, CEO of ARK Invest, predicts that Bitcoin could reach a value of $1.5 million by 2030. Other analysts, like PlanB, developer of the stock-to-flow model, expect a rise to $500,000 within the next four years. At the same time, some experts warn of potential price losses due to regulatory interventions or technological competition. If you want to dive deeper into expert opinions and market insights, take a look at our article on Bitcoin price forecasts.

It's important to note that forecasts are not guarantees and past price developments are not an indicator of future performance. Given the high volatility of the Bitcoin market, it's advisable to follow a long-term investment strategy.

The Bitpanda Savings Plan allows you, for example, to regularly invest smaller amounts into a savings plan and thus minimise the risk of entering the market at an unfavourable time.

Investing €50 in Bitcoin – during a “pump”?

A “pump” refers to a sudden strong price increase of Bitcoin, often triggered by positive news or market sentiment on the exchange. A “dump” often follows, where the price rapidly falls again because many investors cash in on their profits. These sharp fluctuations make a pump risky, especially for inexperienced investors.

Those who wish to invest in Bitcoin during a pump risk entering at an inflated price and subsequently suffering losses. “FOMO” (fear of missing out) often plays a role here, the fear of missing a chance. Instead of acting impulsively, long-term strategies like buy and hold or the cost-average effect are more advisable. In this case, you invest regularly, for example €50 per month, thereby reducing the risk of entering the market at an unfavourable time. A pump may seem tempting, but with patience and a well-thought-out strategy, you can benefit more sustainably from the Bitcoin market.

To better avoid the risk of a pump and invest strategically in Bitcoin or other cryptocurrencies, you should be aware of the different investment options.

Ways to invest in cryptocurrencies

There are different ways you can invest in cryptocurrencies such as Bitcoin. Your options depend on factors such as your financial goals, your risk profile and the amount of time you want to dedicate to your investment. Broadly speaking, a distinction is made between one-off investments and regular contributions made through a savings plan. Both methods have their advantages and disadvantages and offer different opportunities to participate in the crypto market.

Let’s take a look at which options are available to you.

Investing in Bitcoin over five years with €50 per month

If you invest €50 per month in Bitcoin over a five-year period, you benefit from the cost-average effect. With this method, you buy Bitcoin regularly, regardless of whether the price is currently rising or falling. This approach reduces the impact of price fluctuations, as you get more Bitcoin for your money when prices are low and less when prices are high.

Advantages of the method:

• Risk minimisation: You avoid trying to find the “perfect” entry point and spread your risk.

• Planning certainty: With €50 per month, you have a fixed savings rate that can easily be incorporated into your budget.

• Long-term growth: Over five years, you can benefit from potential price increases while being less affected by price drops and even have the opportunity to buy additional shares at a lower price.

Challenge:

The method requires discipline and a clear focus on long-term goals, as you must continue investing regularly despite price fluctuations. Transaction fees can reduce returns on small amounts, and despite the cost-average effect, there’s still the risk that the price may stagnate or fall over a longer period. You should also ensure your monthly budget can accommodate regular expenses without issue.

One-off €50 investment in Bitcoin

A one-off investment of €50 in Bitcoin is particularly suitable for investors who want to test the market without committing long term. The method is easy to implement: you buy Bitcoin at a fixed rate and then observe how your investment performs.

Advantages of the method:

• Quick entry: You invest immediately and don’t need to do long-term planning.

• Simplicity: The method is ideal for beginners looking to gain initial experience with cryptocurrencies.

• Flexibility: You can hold, buy or sell the investment at any time.

Challenges:

A one-off investment carries the risk of buying at an unfavourable time. If the price drops after your purchase, the value of your €50 can quickly decline. To reduce the risk, you should be aware that the Bitcoin price is highly volatile, and short-term price losses are generally unavoidable.

What are the advantages and disadvantages of smaller Bitcoin investments?

If you want to invest small amounts like €50 in Bitcoin, it offers an easy entry into the crypto market. However, there are both advantages and disadvantages you should consider. Here’s a quick overview:

Advantages:

• Low entry barrier: You can already invest with small amounts like €50, as Bitcoin is divided into smaller units – so-called satoshis – allowing you to buy fractions of a Bitcoin.

• Low risk: You’re only risking a small portion of your budget.

• Ideal for beginners: Small investments are perfect for getting to know the dynamics of the crypto market.

• Flexibility: You can adjust the amount to suit your budget.

Disadvantages

• Impact of transaction fees: Fees have a greater effect on smaller amounts.

• Slower wealth accumulation: Profits remain more limited compared to larger amounts.

• Market fluctuations: Small investments can be disproportionately affected by Bitcoin’s volatility.

• Lower compound interest returns: There's less impact from the compound interest effect if amounts are not invested regularly.

Our tips: how investing €50 in Bitcoin can pay off

Even smaller investments can grow your Bitcoin wallet if you follow the right strategy. With our tips, you can make the most of your budget:

1. Choose a provider with competitive transaction fees to get more Bitcoin for your money.

2. Use a savings plan to invest small amounts regularly and benefit from the cost-average effect.

3. Store your Bitcoin in a secure wallet, such as a hardware wallet, to protect your cryptocurrencies effectively.

4. Diversify your money and don’t invest only in Bitcoin, but also in other cryptocurrencies or additionally in ETFs or shares.

5. Stay patient and don’t let short-term market fluctuations influence you.

Conclusion: investing €50 in cryptocurrencies can make sense

Even with smaller amounts like €50, you can make meaningful investments in cryptocurrencies and gradually familiarise yourself with Bitcoin and other digital currencies. Such investments give you the opportunity to gain initial experience in the crypto market without taking on high risk. Long-term strategies such as the cost-average effect make small amounts effective and help you balance out Bitcoin’s price fluctuations.

However, if you’ve already gained experience, are looking for higher return opportunities and want to expand your investment strategies, Bitpanda Fusion might be the next step. The platform is designed specifically for experienced crypto traders who want to increase their trading frequency and move larger volumes. In addition to real-time analysis tools and the highest security standards, Bitpanda Fusion offers other benefits such as no transaction fees and instant upgrades. This lets you trade flexibly with currencies like Bitcoin and implement your investment strategies even more effectively.

More topics on cryptocurrency

Want to learn more about Bitcoin, other cryptocurrencies and key investment strategies? The Bitpanda Academy offers many helpful guides and tutorials to get you familiar with the basics of crypto trading.

• What factors influence the Bitcoin price?

• How can I store cryptocurrencies securely?

• Do I have to pay tax when I buy or sell Bitcoin?