21bitcoin vs ByBit EU Comparison
21bitcoin and ByBit EU are practically level in our overall rating, 4.0 to 4.1 out of 5 points. Our table lists the trading fee as “1.29 to 1.49 %” for 21bitcoin and “0.25% maker; 0.25% taker” for ByBit EU. ByBit EU lists more cryptocurrencies (more than 100) than 21bitcoin (1).
| 1.29 to 1.49 % | Fees | 0.25% maker 0.25% taker |
| € 12.90 | Minimum cost per €1,000 | — |
| 1 | Cryptos | +100 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA transfer, Visa, Mastercard, Google Pay, Apple Pay |
| MiCAR authorisation of FIOR Digital GmbH as a crypto-asset service provider from the Austrian FMA since 27 November 2025 | Regulation | MiCAR license via FMA |
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 A price markup in the spread is not included, because most providers do not publish it.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 | — |
| 1.29 to 1.49 % | Fees | 0.25% maker 0.25% taker |
| 1,000 sats | Wallet transfer | — |
| Yes | Cost transparency | — |
| € 10 | Minimum Amount | 1 EUR per order, card deposit from 10 USD |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA transfer, Visa, Mastercard, Google Pay, Apple Pay |
Not enough reviews available.
Bybit EU charges fixed maker and taker rates for spot trading. For pairs against the euro the rate falls with your trading volume over the last 30 days; from VIP 1 the same rate applies to both pair types.
| Transaction | Cost at Bybit EU |
|---|---|
| Spot, crypto pairs, regular user | 0.25% maker, 0.25% taker |
| Spot, EUR pairs, up to USD 100,000 volume in 30 days | 0.25% maker and taker |
| Spot, EUR pairs, USD 100,000 to 250,000 | 0.22% maker and taker |
| Spot, EUR pairs, USD 250,000 to 500,000 | 0.2% maker and taker |
| Spot, EUR pairs, from USD 500,000 | 0.15% maker and taker |
| VIP 1, all spot pairs | 0.12% maker and taker |
| EUR deposits and withdrawals | fee shown before the transaction |
| Crypto withdrawals | network fee per coin |
How to save: If you trade larger amounts against the euro, the volume tiers on EUR pairs pay off: from USD 500,000 in 30 days the rate is 0.15%. From VIP 1 the rate for all spot pairs drops to 0.12%. See how Bybit EU compares on fees in our crypto exchange comparison.
Fees as of 1 November 2026 according to the Bybit EU fee schedule.
Bybit EU bonus and offers (November 2026)
New Bybit Card users get a welcome package: apply for the card in the app and top up at least 100 USDC or the equivalent to receive 10% cashback on eligible purchases in the first 30 days, up to €120. On top, you get up to €50 cashback on selected subscriptions such as ChatGPT and Netflix in the first month. The Bybit EU terms and conditions apply.
You can open a Bybit EU account through our partner link to Bybit EU; cryptoticker.io receives a commission when an account is opened. Offers as of 1 November 2026.
Pros & Cons
- 0% service fee in the savings plan from day 8 onwards, with purchases hourly, daily, weekly, every two weeks or monthly
- Instant purchases at a 1.49% service fee, 1.29% with a referral code, with no ongoing account charges
- Euro deposits, account management and Bitcoin custody cost €0, deposits also via SEPA instant transfer
- Limit orders at a target price and variable interest of 1.21% p.a. on the euro balance, paid in Bitcoin on request
- Withdrawals to your own wallet at a flat fee of 0.00001 BTC, automatically once a set balance is reached if you wish
- MiCAR authorisation from Austria’s FMA for FIOR Digital GmbH, decision of 27 November 2025; cold-wallet custody via BitGo Europe GmbH, which holds a MiCAR authorisation from BaFin
- Bitcoin only, the lack of altcoins is criticised by some users
- The 0% in the savings plan only applies from day 8; the first seven days cost 0.99% (0.79% with a referral code)
- Limit orders and instant sales cost 1.49%, a euro withdrawal €1
- Two-factor authentication needs work, according to users
- The €10 minimum order is higher than at some competitors
- MiCA licence from Austria's FMA since May 2025, valid across the EU
- Spot from 0.25% maker and taker, euro pairs 0.15% above $500,000 volume, 0.12% from VIP 1
- More than 100 coins, 17 of them tradable directly against the euro
- 1:1 reserves according to Bybit EU, assets held largely in cold storage, 2FA
- Bybit Card welcome package: 10% cashback up to €120
- App for iOS and Android, based in Vienna
- Spot trading only for EEA retail clients, no futures
- Bybit group hack in February 2025 (about $1.4 billion in ether), loss covered by the exchange
- Own counterparty list: transactions with listed services can lead to an account freeze
- The number of features can overwhelm complete beginners
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.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. 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 | not specified |
| not available | Staking | not specified |
| available | Wallet transfer | not specified |
| available | Automatic wallet transfer | not specified |
| not available | Credit card payment | not specified |
| available | FMA regulation (Austria) | not specified |
| not available | Web platform | not specified |
| available | Mobile app (iOS/Android) | not specified |
| available | SEPA instant transfer | not specified |
- Automatic transfer to your own wallet above set amounts
- FMA-regulated and based in Austria
- Service fee of 1.49% on instant purchases, 1.29% with a referral code, 0% in the savings plan from day 8
- Deposits via SEPA and SEPA instant transfer
- Limit orders and 1.21% p.a. interest on the euro balance
- EU-regulated (MiCA, FMA Austria), valid in 29 EEA countries
- Spot from 0.25%, euro pairs from 0.15%
- 1:1 reserves and cold-wallet custody
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.
Spot trading (VIP 0, crypto pairs): 0.25% maker / 0.25% taker (as of 1 November 2026). Bybit EU does not offer futures or other derivatives to EEA retail clients. Deposit and withdrawal costs depend on the method used; crypto transfers incur the usual network fees.
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.
Not enough reviews available.
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 and a wallet inside the account. Limit orders and weekly savings plans, which some reviews ask for, are now part of the offer according to 21bitcoin.
Not enough reviews available.
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.
Not enough reviews available.
Customer Support
Support is frequently described as fast, with users reporting prompt replies. Individual contact channels are occasionally seen as having room for improvement.
Not enough reviews available.
Details
| FIOR Digital GmbH | Company | Bybit EU GmbH |
| 2021 | Founded | 2018 |
| MiCAR authorisation of FIOR Digital GmbH as a crypto-asset service provider from the Austrian FMA since 27 November 2025 | Regulation | MiCAR license via FMA |
| € 10 | Minimum Amount | 1 EUR per order, card deposit from 10 USD |
| Photo ID | KYC | Identity verification (required for fiat deposits and withdrawals) |
Verdict
Both providers are practically level in our overall rating (4.0 to 4.1).
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.
In short: Bybit EU combines the technology of one of the largest crypto exchanges with an EU licence: spot trading in more than 100 coins, fixed rates from 0.25% that fall to 0.15% with high euro volume, and a crypto card. For retail clients in the EEA, Bybit EU focuses on spot trading. If you want to buy and hold crypto at a large exchange with a European licence, Bybit EU fits.
Is Bybit safe and licensed in the EU?
Yes, Bybit EU may serve customers across the EU. Bybit EU GmbH, based in Vienna, has been authorised as a crypto-asset service provider under Article 63 MiCA since 28 May 2025, licensed by Austria's Financial Market Authority (FMA). Through the EU passport the licence covers 29 EEA countries, including Germany, France and Spain (ESMA register, file of 30 October 2026). It covers custody, exchanging crypto for money and for other crypto, placing and transfer services. Bybit EU itself points out that certain offers on bybit.eu fall outside MiCA supervision; each product page states the framework.
The hack of 21 February 2025: Attackers took ether worth about $1.4 to $1.5 billion from a Bybit group multisig cold wallet by slipping a manipulated transaction past the signers. The FBI attributed the attack to the North Korean group TraderTraitor, better known as Lazarus. On the same day Bybit stated that all client assets were backed 1:1 and that the exchange would cover the loss; withdrawals kept running. On bybit.eu, Bybit EU states 1:1 reserves for all user assets.
Counterparty list: Since September 2026 Bybit has published a list of services its customers must not transact with. If screening flags one of them, Bybit can freeze accounts or restrict funds. Our report on the Bybit counterparty list explains what to check in your payment history.
What you can do yourself: turn on two-factor authentication and a withdrawal address whitelist, keep proof of origin for coins bought peer to peer, and store larger amounts on your own hardware wallet.
Who is Bybit EU for?
Bybit EU suits investors in the EU who want spot trading at a large international exchange with a European licence and who like to pay with crypto. Anyone who regularly trades larger amounts against the euro benefits from the volume tiers. Our comparison of regulated crypto exchanges sets Bybit EU against other licensed exchanges such as OKX, Kraken and Bitvavo.