21bitcoin vs Coinbase Comparison
| 0.79 % | Fees | 1.49 % |
| € 7.90 | Cost for €1,000 | € 14.90 |
| 1 | Cryptos | 260+ |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | First company with BaFin crypto license. Deficiencies flagged in 2022, since remediated. MiCA via Luxembourg. |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| € 7.90 | Cost for €1,000 | € 14.90 |
| 0.79 % | Fees | 1.49 % |
| € 0.75 | Wallet transfer | € 0.24 |
| Yes | Cost transparency | No |
| € 15 | Minimum Amount | € 1 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal |
On a €1,000 purchase you pay €7.00 less at 21bitcoin.
Pros & Cons
- Transparent fees from 0.79% 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
- First company with a crypto license from BaFin
- Over 260 cryptocurrencies available
- Savings plan and staking are offered
- Payment methods: SEPA instant transfer, credit card, and PayPal
- Educational program with cryptocurrency rewards for completed modules
- Minimum investment possible from 1 €
- Trading fees of 1.49 % are room for improvement compared with competitors
- Total costs of 14,90 € per trade are occasionally criticized
- Cost transparency is rated as limited
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.
According to the analyzed user data, Coinbase is described by many users as intuitive, clear, and particularly suitable for a quick start. At the same time, users repeatedly report high fees as well as support and access issues.
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 | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | PayPal | ✓ |
- Automatic transfer to your own wallet above set amounts
- FMA-regulated and based in Austria
- Fees from 0.79% with full cost transparency
- Deposits via SEPA and SEPA instant transfer
- First crypto license from BaFin in Germany
- Educational program with crypto rewards for completed learning modules
- Low wallet transfer fees of approx. 0,24 €
- On the market since 2012 – one of the oldest crypto companies
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.
When it comes to fees, many users report high costs. In the reviews, this point is repeatedly criticized.
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 especially appreciate Coinbase for its intuitive app as well as its simple and clear experience. According to reviews, beginners in particular find the interface easy to use, as many processes are described as fast and user-friendly. However, some users occasionally report login issues.
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.
According to reviews, many users describe the basic offering as easy to access. At the same time, users want more exchange features, candlestick charts, and a larger selection of smaller coins. Additional functions such as customizable notifications, adding a beneficiary, Cash App/Apple Pay, more crypto services, and a dust button are also mentioned.
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.
Regarding stability, users occasionally report that the app does not start, freezes, or cannot be opened. Login issues are also mentioned in the reviews.
Customer Support
Support is frequently described as fast, with users reporting prompt replies. Individual contact channels are occasionally seen as having room for improvement.
Regarding support, users repeatedly report difficulty reaching customer service in the reviews. According to user data, it is also mentioned that help does not come in a timely manner or that responses are missing.
Details
| FIOR Digital GmbH | Company | Coinbase Global, Inc. |
| 2021 | Founded | 2012 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | First company with BaFin crypto license. Deficiencies flagged in 2022, since remediated. MiCA via Luxembourg. |
| € 15 | Minimum Amount | € 1 |
| Photo ID | KYC | eID, VideoIdent |
Verdict
In our overall rating Coinbase leads with 4.8 against 4.0 for 21bitcoin.
On a €1,000 purchase you pay €7.00 less at 21bitcoin.
For most investors Coinbase 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 starting at 0.79%. 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.
Coinbase is regarded as one of the best-known crypto exchanges worldwide and is valued for obtaining the first BaFin crypto license in Germany. With over 260 tradable cryptocurrencies, a savings plan, and staking, the platform offers a solid range of services. In particular, the educational program, in which users receive crypto rewards for completing learning modules, is viewed positively as an innovative addition.
The trading fees of 1.49 % and total costs of 14,90 € per trade are room for improvement compared with cheaper providers. The limited cost transparency is also occasionally criticized. On the other hand, the low wallet transfer fees of approx. 0,24 € and the variety of payment methods are seen as advantages.
Coinbase is especially considered suitable for beginners who prefer a BaFin-regulated platform with educational offerings and easy-to-use features and who can accept compromises on trading fees.