21bitcoin vs Gate.io Comparison
In our overall rating 21bitcoin leads with 4.0 out of 5 points, ahead of Gate.io with 3.7. Our table lists the trading fee as “1.29 to 1.49 %” for 21bitcoin and “0.1% spot (maker and taker)” for Gate.io. If you care most about usability, stability, and support, 21bitcoin has the better sub-scores, while Gate.io leads on features.
| 1.29 to 1.49 % | Fees | 0.1% spot (maker and taker) |
| € 12.90 | Minimum cost per €1,000 | — |
| 1 | Cryptos | — |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | — |
| MiCAR authorisation of FIOR Digital GmbH as a crypto-asset service provider from the Austrian FMA since 27 November 2025 | Regulation | MiCA licence via MFSA (Malta) |
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 A price markup in the spread is not included, because most providers do not publish it.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 | 0.1% spot (maker and taker) |
| 1,000 sats | Wallet transfer | — |
| Yes | Cost transparency | — |
| € 10 | Minimum Amount | ~$10 USD |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | — |
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 authorisation as a crypto-asset service provider from Malta's MFSA since 29 September 2025, passported across the EEA, plus a licence for payment services
- Gate EU with localised sites: more than 200 cryptocurrencies, each tradable against the euro and USDC
- Spot fee of 0.1% for makers and takers, makers pay 0% from VIP 10
- Convert, OTC trading, staking and the Gate Card alongside spot trading
- A much smaller selection for EU customers than on the global platform, which according to Gate lists more than 5,400 cryptocurrencies
- No futures trading on Gate EU
- No USDT pairs, no GT token and no GT fee discount on Gate EU
- Migration required: existing EEA customers of the global platform are being moved to Gate EU step by step
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
- MiCA and PSD2 licensed through Gate Technology Ltd in Malta
- Gate EU with more than 200 cryptocurrencies against the euro and USDC
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 on Gate EU: 0.1% for makers and takers (VIP 0). The fee falls step by step with your 30-day volume or account balance, and makers pay 0% from VIP 10. Gate EU does not offer futures (as of 1 November 2026).
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 | Gate Technology Ltd |
| 2021 | Founded | 2013 |
| MiCAR authorisation of FIOR Digital GmbH as a crypto-asset service provider from the Austrian FMA since 27 November 2025 | Regulation | MiCA licence via MFSA (Malta) |
| € 10 | Minimum Amount | ~$10 USD |
| Photo ID | KYC | Photo ID and selfie (required before deposits and withdrawals) |
Verdict
In our overall rating 21bitcoin leads with 4.0 against 3.7 for Gate.io.
For most investors 21bitcoin is therefore the better choice.
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.
Gate, known as Gate.io until May 2025, is one of the exchanges with the widest altcoin selection worldwide: according to Gate, more than 5,400 cryptocurrencies can be traded on its global platform. Customers in the EEA are served through Gate EU, run by Gate Technology Ltd in Malta. Malta's regulator MFSA authorised the company as a crypto-asset service provider under MiCA on 29 September 2025; the authorisation is passported across the EEA, and the company also holds a licence for payment services. Since the end of June 2026, Gate has been moving existing EEA customers from the global platform to Gate EU step by step.
Gate EU is leaner than the global exchange: on 1 November 2026 it listed more than 200 cryptocurrencies, each against the euro and USDC. It also offers convert, OTC trading, staking and the Gate Card; futures, USDT pairs and the in-house GT token are not part of the offering. The spot fee is 0.1% for makers and takers and falls with trading volume, with makers paying nothing from VIP 10.
Our verdict: for experienced altcoin traders in Europe, Gate EU is a regulated option with a broad selection and a low spot fee. It is not designed for futures trading.