21bitcoin vs Bitvavo Comparison
In our overall rating 21bitcoin leads with 4.0 out of 5 points, ahead of Bitvavo with 3.3. On disclosed fees Bitvavo is cheaper: € 2.50 instead of € 12.90 per €1,000 purchase. If you care most about usability, features, stability, and support, 21bitcoin has the better sub-scores. Bitvavo lists more cryptocurrencies (428) than 21bitcoin (1).
| 1.29 to 1.49 % | Fees | 0.25 % |
| € 12.90 | Minimum cost per €1,000 | € 2.50 |
| 1 | Cryptos | 428 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | MiCA license via Netherlands AFM |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, calculated from the disclosed trading fee. A price markup in the spread is not included, because most providers do not publish it.
| € 12.90 | Minimum cost per €1,000 | € 2.50 |
| 1.29 to 1.49 % | Fees | 0.25 % |
| € 0.75 | Wallet transfer | € 1.31 |
| Yes | Cost transparency | Yes |
| € 15 | Minimum Amount | € 5 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer |
On disclosed fees you pay €10.40 less at Bitvavo per €1,000 purchase.
Not enough reviews available.
Bitvavo charges maker and taker fees that fall with your trading volume over the last 30 days. SEPA deposits and crypto deposits are free, and all 428 coins trade directly against the euro.
| Transaction | Cost at Bitvavo |
|---|---|
| Crypto against euro, entry tier | 0.15% maker, 0.25% taker |
| Trading from EUR 100,000 volume in 30 days | 0.10% maker, 0.20% taker, falling further to 0.00% and 0.02% from EUR 100 million |
| Trading on USDC markets | 0.05% maker and taker |
| Stablecoin pairs such as USDC/EUR | 0.10% maker and taker, EURC/EUR 0.00% maker and 0.01% taker |
| Deposit via SEPA, iDEAL or Bancontact | free |
| Deposit via credit card, Apple Pay, Google Pay or PayPal | 1% |
| Deposit via EPS transfer | 1.75%, up to EUR 1,000 |
| EUR withdrawal via SEPA | free |
| Crypto deposit | free |
| Crypto withdrawal | fixed fee per coin, e.g. 0.000018 BTC (about EUR 1.31) or 0.00033 ETH (about EUR 0.71) |
| Margin trading | borrowing fee 0.0023% per hour, liquidation fee 2% |
| Recovery of crypto deposited incorrectly | EUR 50 administration fee |
How to save: Trading as a maker, i.e. placing a limit order on the order book, costs EUR 1.50 instead of EUR 2.50 as a taker on EUR 1,000. Deposit via SEPA instead of by card, which saves EUR 10 on EUR 1,000. Bundle crypto withdrawals, since the fee applies per withdrawal. We compare other exchanges with maker and taker fees in our crypto exchange comparison.
As of 22 October 2026 according to the Bitvavo fee page (accessed from Germany, deposit fees may differ by country) and the Bitvavo API (coin count, withdrawal fees; euro values at the 22 October 2026 rate).
Pros & Cons
- Transparent service fee of 1.29% to 1.49% on one-off purchases, 0% in the savings plan from day 8, with no ongoing account charges
- Withdrawals to your own wallet at a flat fee of 0.00001 BTC
- Automatic transfer to your own wallet above defined thresholds
- Savings-plan standing orders are invested in Bitcoin as soon as they arrive
- FMA-licensed as a virtual asset service provider in Austria
- Bitcoin only – the lack of altcoins is criticised by some users
- Two-factor authentication needs work, according to users
- The €15 minimum order is higher than at some competitors
- All 428 tradable coins trade directly against the euro, with no detour through a stablecoin (measured on 22 October 2026 via Bitvavo's public API)
- MiCA authorisation since June 2025, supervised by the Dutch AFM, registration number 41000010
- Low trading fees: 0.15 % maker and 0.25 % taker at the entry tier
- SEPA, iDEAL and Bancontact deposits are free, as are EUR withdrawals
- Credit card, Apple Pay, Google Pay and PayPal cost 1% each, EPS 1.75%
- Bitvavo Custody B.V. is, by its own user agreement, not supervised by any authority
- Lending, margin trading and staking are explicitly not MiCA-regulated
- Crypto withdrawals carry a fixed fee per coin, 0.000018 BTC for Bitcoin
Score Comparison
User Experiences
AI AnalysisUser reviews paint a broadly positive picture of 21bitcoin. What owners value most is the clean, intuitive app and how easy it is to use, while individual voices see room for improvement on fees and on the feature set.
Users generally report mostly positive experiences with Bitvavo, especially regarding usability and costs. In the reviews, the clear app and low fees are often praised, while support and technical reliability are also mentioned more critically.
This analysis is based on 608 user reviews analysed by AI from the Apple App Store, Trustpilot and the Google Play Store. The total number of reviews on each platform may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The ratings displayed reflect users' experiences and do not represent the site operator's own assessment. All information without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| available | Savings plan | available |
| not available | Staking | available |
| available | Wallet transfer | available |
| available | Automatic wallet transfer | not specified |
| not available | Credit card payment | available |
| available | FMA regulation (Austria) | not specified |
| not available | Web platform | available |
| available | Mobile app (iOS/Android) | available |
| available | SEPA instant transfer | available |
| not specified | Cost transparency | available |
| not specified | 2FA security | available |
| not specified | Anti-phishing code | available |
- Automatic transfer to your own wallet above set amounts
- FMA-regulated and based in Austria
- Service fee of 1.29% to 1.49% on one-off purchases, 0% in the savings plan from day 8
- Deposits via SEPA and SEPA instant transfer
- MiCA-licensed by the Dutch AFM, active in Germany via the EU passport (as of October 2026)
- Taker fee 0.25%, 0.20% from EUR 100,000 volume in 30 days
- Transparent fee structure without hidden costs
- SEPA deposits and crypto deposits are free
- Minimum investment from EUR 5
The five areas head to head
AI AnalysisFees & Costs
On fees and costs the picture is mixed. Users describe the pricing as fair, though some point to costs they consider high. A few also note that the tax side has to be organised by the user, and that the resulting tax burden feels heavy.
Users particularly highlight Bitvavo's low and affordable fees. According to reviews, the costs are often mentioned positively. Critical remarks about fees play only a minor role in the available user opinions.
Usability & User Experience
Reviewers frequently describe the app as intuitive, uncluttered and self-explanatory, and ease of use is the single most praised aspect. A few users report problems getting into their account, but overall usability comes across positively.
Users particularly praise Bitvavo for its clear design and intuitive app. According to reviews, the platform is often described as easy to use, which makes getting started especially simple. In some cases, users also report errors when launching the app or problems while using it.
Features & Offering
The savings plan is the feature users appreciate most. At the same time they ask for more in several places: additional coins, more savings-plan options, price notifications, a wallet inside the account and limit orders. Weekly DCA is mentioned occasionally as well.
When it comes to features and the offering, users especially want a profit/loss display in percentages, portfolio analysis, and information on the average purchase price or buy-in at Bitvavo. A larger selection of coins and a dollar view are also occasionally requested in the reviews.
Stability & Security
On stability and reliability, users mostly report trouble-free day-to-day use and describe the app as dependable. Access issues come up occasionally and are the one area some users would like to see improved.
When it comes to stability and reliability, users report connection issues, technical problems, and an app that occasionally crashes according to reviews. Errors on startup are also mentioned, which is why some users view this area critically.
Customer Support
Support is frequently described as fast, with users reporting prompt replies. Individual contact channels are occasionally seen as having room for improvement.
Experiences with support are mixed according to reviews. Some users report fast support, while other feedback describes customer service as less easy to reach or notes that replies can take some time. Overall, users perceive support differently.
Details
| FIOR Digital GmbH | Company | Bitvavo B.V. |
| 2021 | Founded | 2018 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | MiCA license via Netherlands AFM |
| € 15 | Minimum Amount | € 5 |
| Photo ID | KYC | Photo ID |
Verdict
In our overall rating 21bitcoin leads with 4.0 against 3.3 for Bitvavo.
On disclosed fees you pay €10.40 less at Bitvavo per €1,000 purchase.
For most investors 21bitcoin is therefore the better choice.
21bitcoin has established itself as an Austrian Bitcoin app across German-speaking Europe, valued above all for a transparent fee structure. On one-off purchases the provider charges a service fee of 1.29% to 1.49%, and in the savings plan no service fee applies from day 8. The provider is licensed by Austria's Financial Market Authority (FMA) as a virtual asset service provider and deals exclusively in Bitcoin. Users single out the automatic transfer to a personal wallet above defined thresholds as a genuinely useful security feature.
The savings-plan approach is refreshingly uncomplicated: standing orders are invested in Bitcoin as soon as the money arrives, and the flat wallet-transfer fee of 0.00001 BTC is widely seen as fair. For investors in Austria, Germany and Switzerland looking for an FMA-regulated alternative to the Swiss Bitcoin apps, 21bitcoin reads as a solid option. Total costs of €7.90 on a €1,000 trade sit in the middle of the field.
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. The absence of two-factor authentication in the app and the €15 minimum order also leave room for improvement. That makes 21bitcoin a good fit for Bitcoin-focused investors in German-speaking Europe who care about cost transparency, automatic wallet transfers and Austrian regulation.
Bitvavo is valued for combining a MiCA licence with low trading fees of 0.15% maker and 0.25% taker. With 428 cryptocurrencies, all tradable directly against the euro, and EUR 2.50 for a EUR 1,000 purchase as a taker, the platform is in the lower fee range among the providers compared. The transparent fee structure without hidden costs is viewed positively by users.
The contracting party is Bitvavo B.V. in Amsterdam, authorised under MiCA by the Dutch AFM since 26 June 2025 and active in Germany and other EU countries via the EU passport. SEPA deposits are free, while credit card, Apple Pay, Google Pay and PayPal cost 1% each. Crypto withdrawals carry a fixed fee per coin, currently 0.000018 BTC for Bitcoin. There is room for improvement in that the savings plan is only available in the app.
Bitvavo is considered particularly suitable for cost-conscious investors who prefer a MiCA-regulated platform with low fees and a transparent cost structure and deposit via SEPA.