21bitcoin Reviews

21bitcoin has established itself as an Austrian Bitcoin app across German-speaking Europe and deals exclusively in Bitcoin. On instant purchases the provider charges a service fee of 1.49%, or 1.29% with a referral code; limit orders and instant sales cost 1.49%, and OTC orders from €100,000 cost 0.49% to 0.99%. In the savings plan no service fee applies from day 8 onwards, while the first seven days cost 0.99%. According to 21bitcoin, euro deposits, account management and Bitcoin custody are free of charge; a euro withdrawal costs €1.

Austria’s Financial Market Authority (FMA) granted FIOR Digital GmbH authorisation as a crypto-asset service provider under Article 63 of the EU’s MiCAR regulation by decision of 27 November 2025, so a clearly identifiable European supervisor stands behind the app. Customer Bitcoin is kept separate from the company’s own holdings; the cold-wallet keys are held by BitGo Europe GmbH, which itself holds a MiCAR authorisation from BaFin.

The savings-plan approach is refreshingly uncomplicated: purchases run hourly, daily, weekly, every two weeks or monthly from the euro balance, and the flat wallet-transfer fee of 0.00001 BTC is widely seen as fair. Users single out the automatic transfer to a personal wallet above defined thresholds as a genuinely useful security feature. 21bitcoin now also offers limit orders at a target price and variable interest of 1.21% p.a. on the euro balance; the interest is granted by Volksbank Raiffeisenbank Bayern Mitte eG, and 21bitcoin converts it into Bitcoin free of charge on request.

Because Bitcoin is the only asset on offer, 21bitcoin is not aimed at investors who want a broad crypto portfolio, a limitation some users do point out. Two-factor authentication in the app and the €10 minimum order are also seen as leaving room for improvement. That makes 21bitcoin a good fit for Bitcoin-focused investors in German-speaking Europe who save regularly and care about automatic wallet transfers and Austrian regulation.