21bitcoin vs Bitvavo Comparison
| 1.29 to 1.49 % | Fees | 0.25 % |
| € 12.90 | Minimum cost per €1,000 | € 2.50 |
| 1 | Cryptos | 426 |
| 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 A price markup in the spread is not included, because most providers do not publish it.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 | € 0.40 |
| 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.
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 426 tradable coins trade directly against the euro, with no detour through a stablecoin (measured on 3 September 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 deposits are free, as are Apple Pay and Bancontact
- Credit card costs 1 %, Giropay and EPS 1.75 % each, PayPal 2 %
- 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
- The current deposit promotion of up to 10 % APY ends on 30 September 2026 and, by the provider's own maths, works out at roughly 2.7 % on net new deposits over the period
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
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Automatic wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | FMA regulation (Austria) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | SEPA instant transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | Anti-phishing code | ✓ |
| ✓ | Credit card | ✓ |
- 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
- BaFin-licensed with operations in Germany via Hyphe Markets GmbH
- Total costs of €2.60 are considered particularly low
- Transparent fee structure without hidden costs
- Low wallet transfer fees of around €0.40
- Minimum investment from €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 | Hyphe Markets GmbH |
| 2021 | Founded | 2021 |
| 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 BaFin license with low trading fees of just 0.25%. With total costs of €2.60 per trade and more than 350 tradable cryptocurrencies, the platform is in the lower fee range among the providers compared. The transparent fee structure without hidden costs is viewed positively by users.
It should be noted that Bitvavo B.V. temporarily suspended services for German customers in 2024 and operations were resumed via Hyphe Markets GmbH — a point that is occasionally criticized. The restriction to SEPA as a payment method and the availability of the savings plan only via the app are also room for improvement. The wallet transfer fees of around €0.40, however, are perceived as very low.
Bitvavo is considered particularly suitable for cost-conscious investors who prefer a BaFin-regulated platform with low fees and a transparent cost structure and can do without payment methods such as credit card or PayPal.